release version 1.0.27

# Conflicts:
#	app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt

.gitea/workflows/build-apk.yml

@@ -27,24 +27,21 @@ jobs:
       - name: Rename APK
         run: |
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           find .build/release/release/ -maxdepth 1 -name "*.apk" | head -1 | xargs -I{} mv {} ".build/release/release/${APP_NAME}-${TAG}.apk"
 
       - name: Extract release notes
         run: |
+          VERSION_CODE=$(grep 'versionCode = ' app/build.gradle.kts | sed 's/.*versionCode = \([0-9]*\).*/\1/')
+          CHANGELOG="fastlane/metadata/android/en-US/changelogs/${VERSION_CODE}.txt"
+
+          if [ -f "$CHANGELOG" ]; then
+            cp "$CHANGELOG" release_notes.md
+          else
+            echo "No changelog found at $CHANGELOG"
             echo "No release notes" > release_notes.md
-#          VERSION="${{ gitea.ref_name }}"
+          fi
-#          VERSION="${VERSION#v}"
-#
-#          awk -v ver="$VERSION" '
-#            BEGIN { found=0 }
-#            /^## \[/ {
-#              if (found) exit
-#              if ($0 ~ "\\[" ver "\\]") { found=1; next }
-#            }
-#            found { print }
-#          ' CHANGELOG.md > release_notes.md
 
       - name: Create Gitea Release
         env:
@@ -53,7 +50,7 @@ jobs:
           GITEA_TOKEN: ${{ secrets.PAT_GITEA }}
         run: |
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           TITLE="${APP_NAME} ${TAG}"
           NOTES_FILE="release_notes.md"
@@ -101,12 +98,12 @@ jobs:
           fi
 
           APP_NAME="${{ gitea.repository }}"
-          APP_NAME="${APP_NAME##*/}"
+          APP_NAME="${APP_NAME//\//-}"
           TAG="${{ gitea.ref_name }}"
           ASSET_PATH=".build/release/release/${APP_NAME}-${TAG}.apk"
-          CAPTION="${APP_NAME} ${TAG}"
+          CAPTION="$(printf '%s\n\n%s' "${APP_NAME} ${TAG}" "$(cat release_notes.md)" | head -c 1024)"
 
           curl -s -X POST "https://api.telegram.org/bot${TG_BOT_TOKEN}/sendDocument" \
             -F "chat_id=${TG_CHAT_ID}" \
             -F "document=@${ASSET_PATH}" \
-            -F "caption=${CAPTION}"
+            --form-string "caption=${CAPTION}"

app/build.gradle.kts

@@ -21,8 +21,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 24
+        versionCode = 28
-        versionName = "1.0.23"
+        versionName = "1.0.27"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
 

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("accept", "application/json")
-        .header("User-Agent", BML_USER_AGENT)
         .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/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.
+     * Resolves a BML QR to merchant details. [payTarget] is the QR URL, or for POS QRs the bare
-     * [base64Url] is the full QR URL Base64-encoded (standard, with padding).
+     * `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/ui/home/AddContactSheetFragment.kt

@@ -234,6 +234,12 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
     private fun setupAccountSearch() {
         binding.tilAccount.setEndIconOnClickListener { performLookup() }
+        binding.etAccount.setOnEditorActionListener { _, actionId, _ ->
+            if (actionId == android.view.inputmethod.EditorInfo.IME_ACTION_SEARCH) {
+                performLookup()
+                true
+            } else false
+        }
     }
 
     private fun performLookup() {
@@ -387,7 +393,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
 
         // Auto-fill alias with existing alias or name
         if (binding.etAlias.text.isNullOrBlank()) {
-            binding.etAlias.setText(validation.name)
+            binding.etAlias.setText(sh.sar.basedbank.util.bmlapi.BmlDashboardParser.toTitleCase(validation.name))
         }
         binding.etCurrency.setText(validation.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/ContactDetailsSheetFragment.kt

@@ -0,0 +1,208 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.ClipData
+import android.content.ClipboardManager
+import android.content.Context
+import android.content.Intent
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.Toast
+import androidx.core.os.bundleOf
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.SheetContactDetailsBinding
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactListParser
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.TransferNetwork
+
+/** Contact details drawer shown when a row in [ContactsFragment] is tapped. */
+class ContactDetailsSheetFragment : BottomSheetDialogFragment() {
+
+    private var _binding: SheetContactDetailsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+
+    private val contactsFragment get() = parentFragment as? ContactsFragment
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = SheetContactDetailsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        val args = requireArguments()
+        val contactId = args.getString(ARG_CONTACT_ID)
+        val profileId = args.getString(ARG_PROFILE_ID)
+        viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
+            val contact = contacts.firstOrNull { it.benefNo == contactId && it.profileId == profileId }
+                ?.let { ContactListParser.from(it) }
+            if (contact == null) dismissAllowingStateLoss() else bind(contact)
+        }
+    }
+
+    private fun bind(contact: ContactDisplay) {
+        val sizePx = resources.getDimensionPixelSize(android.R.dimen.app_icon_size).coerceAtLeast(96) * 2
+        val photo = contact.imageHash?.let { ContactImageCache.load(requireContext(), it) }
+        binding.ivPhoto.setImageBitmap(photo ?: contactInitialsBitmap(contact.name, contact.bankColor, sizePx))
+
+        binding.tvName.text = contact.name
+
+        binding.actionTransfer.visibility = if (contact.canTransfer) View.VISIBLE else View.GONE
+        // QR stays visible for every contact; greyed out where PayMV QR isn't supported yet
+        val canQr = canShowPayMvQr(contact)
+        binding.btnQr.isEnabled = canQr
+        binding.tvQrLabel.alpha = if (canQr) 1f else 0.38f
+        binding.actionEdit.visibility = if (contact.canEdit) View.VISIBLE else View.GONE
+        binding.actionDelete.visibility = if (contact.canDelete) View.VISIBLE else View.GONE
+
+        binding.btnTransfer.setOnClickListener {
+            val parent = contactsFragment
+            dismiss()
+            parent?.openTransfer(contact)
+        }
+        binding.btnQr.setOnClickListener {
+            val activity = requireActivity() as HomeActivity
+            val bank = contactBank(contact) ?: return@setOnClickListener
+            val qrName = contact.realName.ifBlank { contact.name }
+            dismiss()
+            activity.showWithBackStack(PayMvQrFragment.forContact(contact.accountNumber, qrName, bank))
+        }
+        binding.btnEdit.setOnClickListener {
+            Toast.makeText(requireContext(), R.string.work_in_progress, Toast.LENGTH_SHORT).show()
+        }
+        binding.btnDelete.setOnClickListener {
+            val parent = contactsFragment
+            dismiss()
+            parent?.confirmDelete(contact)
+        }
+
+        binding.tvAccount.text = contact.accountNumber
+        val copy = View.OnClickListener { copyAccount(contact.accountNumber) }
+        binding.rowAccount.setOnClickListener(copy)
+        binding.btnCopyAccount.setOnClickListener(copy)
+        binding.btnShareAccount.setOnClickListener {
+            shareAccount(contact.realName.ifBlank { contact.name }, contact.accountNumber)
+        }
+
+        val showRealName = contact.realName.isNotBlank() && contact.realName != contact.name
+        binding.tvRealName.text = contact.realName
+        binding.rowRealName.visibility = if (showRealName) View.VISIBLE else View.GONE
+
+        binding.tvCurrency.text = contact.currency ?: ""
+        binding.rowCurrency.visibility = if (contact.currency != null) View.VISIBLE else View.GONE
+
+        binding.tvBank.text = contact.bankName ?: ""
+        binding.rowBank.visibility = if (contact.bankName != null) View.VISIBLE else View.GONE
+        val bankLogo = bankLogoRes(contact)
+        if (bankLogo != null) {
+            binding.ivBankIcon.setImageResource(bankLogo)
+            binding.ivBankIcon.imageTintList = null
+        }
+
+        binding.sourceSection.visibility = View.GONE
+        viewLifecycleOwner.lifecycleScope.launch {
+            val appContext = requireContext().applicationContext
+            val source = withContext(Dispatchers.IO) { sourceProfile(appContext, contact) }
+            val b = _binding ?: return@launch
+            if (source == null) return@launch
+            b.ivSourceIcon.setImageResource(source.logoRes)
+            b.tvSource.text = source.name
+            b.tvSourceBank.setText(source.bankNameRes)
+            b.sourceSection.visibility = View.VISIBLE
+        }
+    }
+
+    /** Which bank the contact's account is at ("BML" / "MIB"); null when we can't tell. */
+    private fun contactBank(contact: ContactDisplay): String? = when {
+        contact.network == TransferNetwork.MIB             -> "MIB"
+        contact.accountNumber.matches(Regex("^7\\d{12}$")) -> "BML"
+        contact.accountNumber.matches(Regex("^9\\d{16}$")) -> "MIB"
+        else                                               -> null
+    }
+
+    /** Logo of the contact's bank; null when we have no logo for it (only MIB and BML for now). */
+    private fun bankLogoRes(contact: ContactDisplay): Int? = when (contactBank(contact)) {
+        "BML" -> R.drawable.bml_logo_vector
+        "MIB" -> R.drawable.mib_logo
+        else  -> null
+    }
+
+    /**
+     * PayMV QR is only offered for contacts whose account is at BML for now.
+     * TODO: enable for MIB and other banks once their PayMV QR payloads are verified —
+     *  PayMvQrFragment.forContact already takes the bank, so this check is the only gate.
+     */
+    private fun canShowPayMvQr(contact: ContactDisplay): Boolean =
+        contactBank(contact) == "BML" &&
+            contact.currency?.contains("USD", ignoreCase = true) != true // PayMV QR is MVR only
+
+    private data class SourceProfile(val logoRes: Int, val bankNameRes: Int, val name: String)
+
+    /** Which of the user's own bank profiles this contact is saved under. */
+    private fun sourceProfile(context: Context, contact: ContactDisplay): SourceProfile? {
+        val store = CredentialStore(context)
+        return when (contact.network) {
+            TransferNetwork.BML -> {
+                // BML contacts carry either the loginId or a BML profileId
+                val loginId = store.getBmlLoginIds().firstOrNull { loginId ->
+                    loginId == contact.profileId ||
+                        store.loadBmlProfiles(loginId).any { it.profileId == contact.profileId }
+                } ?: return null
+                val profile = store.loadBmlProfiles(loginId).firstOrNull { it.profileId == contact.profileId }
+                val fullName = store.loadBmlUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+                val name = (if (profile != null && profile.profileType == "business") profile.name else fullName ?: profile?.name)
+                    ?: return null
+                SourceProfile(R.drawable.bml_logo_vector, R.string.bml_name, name)
+            }
+            TransferNetwork.FAHIPAY -> {
+                val name = store.getFahipayLoginIds().firstNotNullOfOrNull { loginId ->
+                    store.loadFahipayUserProfile(loginId)?.fullName?.takeIf { it.isNotBlank() }
+                } ?: return null
+                SourceProfile(R.drawable.fahipay_logo, R.string.fahipay_name, name)
+            }
+            else -> {
+                val profile = store.getMibLoginIds().firstNotNullOfOrNull { loginId ->
+                    store.loadMibProfiles(loginId).firstOrNull { it.profileId == contact.profileId }
+                } ?: return null
+                SourceProfile(R.drawable.mib_logo, R.string.mib_name, profile.name)
+            }
+        }
+    }
+
+    private fun shareAccount(accountName: String, account: String) {
+        val intent = Intent(Intent.ACTION_SEND).apply {
+            type = "text/plain"
+            putExtra(Intent.EXTRA_TEXT, "$accountName\n$account")
+        }
+        startActivity(Intent.createChooser(intent, getString(R.string.contact_share_account)))
+    }
+
+    private fun copyAccount(account: String) {
+        val clipboard = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+        clipboard.setPrimaryClip(ClipData.newPlainText("account", account))
+        Toast.makeText(requireContext(), R.string.contact_account_copied, Toast.LENGTH_SHORT).show()
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val ARG_CONTACT_ID = "contact_id"
+        private const val ARG_PROFILE_ID = "profile_id"
+
+        fun newInstance(contact: ContactDisplay) = ContactDetailsSheetFragment().apply {
+            arguments = bundleOf(ARG_CONTACT_ID to contact.id, ARG_PROFILE_ID to contact.profileId)
+        }
+    }
+}

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

@@ -11,14 +11,13 @@ import android.view.LayoutInflater
 import android.view.ViewGroup
 import android.widget.Toast
 import androidx.recyclerview.widget.RecyclerView
-import sh.sar.basedbank.R
 import sh.sar.basedbank.databinding.ItemContactBinding
 import sh.sar.basedbank.util.ContactDisplay
 
 class ContactsAdapter(
     private val imageCache: MutableMap<String, Bitmap>,
     private val onImageNeeded: (hash: String) -> Unit,
-    private val onDeleteClick: (ContactDisplay) -> Unit,
+    private val onContactClick: (ContactDisplay) -> Unit,
     private val onTransferClick: (ContactDisplay) -> Unit
 ) : RecyclerView.Adapter<ContactsAdapter.ViewHolder>() {
 
@@ -66,12 +65,9 @@ class ContactsAdapter(
             val pos = holder.bindingAdapterPosition
             if (pos != RecyclerView.NO_POSITION) onTransferClick(displayed[pos])
         }
-        binding.btnEditContact.setOnClickListener {
+        binding.root.setOnClickListener {
-            Toast.makeText(it.context, R.string.work_in_progress, Toast.LENGTH_SHORT).show()
-        }
-        binding.btnDeleteContact.setOnClickListener {
             val pos = holder.bindingAdapterPosition
-            if (pos != RecyclerView.NO_POSITION) onDeleteClick(displayed[pos])
+            if (pos != RecyclerView.NO_POSITION) onContactClick(displayed[pos])
         }
         binding.root.setOnLongClickListener {
             val pos = holder.bindingAdapterPosition
@@ -107,24 +103,22 @@ class ContactsAdapter(
                 if (contact.detail != null) android.view.View.VISIBLE else android.view.View.GONE
             binding.btnTransferContact.visibility =
                 if (contact.canTransfer) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnEditContact.visibility =
-                if (contact.canEdit) android.view.View.VISIBLE else android.view.View.GONE
-            binding.btnDeleteContact.visibility =
-                if (contact.canDelete) android.view.View.VISIBLE else android.view.View.GONE
 
             if (photo != null) {
                 binding.ivContactPhoto.setImageBitmap(photo)
             } else {
-                binding.ivContactPhoto.setImageBitmap(
-                    makeInitialsBitmap(contact.name, contact.bankColor)
-                )
-            }
-        }
-
-        private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {
                 val sizePx = binding.ivContactPhoto.context.resources
                     .getDimensionPixelSize(android.R.dimen.app_icon_size)
                     .coerceAtLeast(96)
+                binding.ivContactPhoto.setImageBitmap(
+                    contactInitialsBitmap(contact.name, contact.bankColor, sizePx)
+                )
+            }
+        }
+    }
+}
+
+internal fun contactInitialsBitmap(name: String, colorHex: String, sizePx: Int): Bitmap {
     val bgColor = try { Color.parseColor(colorHex) } catch (e: Exception) { Color.GRAY }
     val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
     val canvas = Canvas(bm)
@@ -138,6 +132,4 @@ class ContactsAdapter(
     val metrics = paint.fontMetrics
     canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
     return bm
-        }
-    }
 }

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

@@ -2,13 +2,20 @@ package sh.sar.basedbank.ui.home
 
 import android.graphics.Bitmap
 import android.graphics.BitmapFactory
+import android.graphics.Typeface
+import android.text.SpannableStringBuilder
+import android.text.Spanned
+import android.text.style.ForegroundColorSpan
+import android.text.style.StyleSpan
 import android.os.Bundle
 import android.util.Base64
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
+import com.google.android.material.color.MaterialColors
 import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import androidx.core.content.ContextCompat
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.core.widget.addTextChangedListener
@@ -59,7 +66,7 @@ class ContactsFragment : Fragment() {
             ContactsAdapter(
                 imageCache      = sharedImageCache,
                 onImageNeeded   = { hash -> fetchImage(hash) },
-                onDeleteClick   = { contact -> confirmDelete(contact) },
+                onContactClick  = { contact -> showDetails(contact) },
                 onTransferClick = { contact -> openTransfer(contact) }
             ).also { a ->
                 a.setFilter(page.categoryId, currentSearch)
@@ -170,7 +177,12 @@ class ContactsFragment : Fragment() {
         binding.viewPager.setCurrentItem(savedPosition.coerceIn(0, pages.size - 1), false)
     }
 
-    private fun openTransfer(contact: ContactDisplay) {
+    private fun showDetails(contact: ContactDisplay) {
+        if (childFragmentManager.findFragmentByTag("contact_details") != null) return
+        ContactDetailsSheetFragment.newInstance(contact).show(childFragmentManager, "contact_details")
+    }
+
+    internal fun openTransfer(contact: ContactDisplay) {
         val fragment = TransferFragment.newInstance(
             accountNumber = contact.accountNumber,
             displayName   = contact.name,
@@ -181,10 +193,26 @@ class ContactsFragment : Fragment() {
         (requireActivity() as HomeActivity).showWithBackStack(fragment)
     }
 
-    private fun confirmDelete(contact: ContactDisplay) {
+    internal fun confirmDelete(contact: ContactDisplay) {
-        MaterialAlertDialogBuilder(requireContext())
+        val ctx = requireContext()
+        val errorColor = MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorError)
+        val icon = ContextCompat.getDrawable(ctx, R.drawable.ic_delete)?.mutate()?.apply { setTint(errorColor) }
+
+        val prompt = getString(R.string.contact_delete_message, contact.name)
+        val message = SpannableStringBuilder(prompt).apply {
+            val start = prompt.indexOf(contact.name)
+            if (start >= 0) setSpan(StyleSpan(Typeface.BOLD), start, start + contact.name.length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+            append("\n").append(contact.accountNumber)
+            append("\n\n")
+            val warnStart = length
+            append(getString(R.string.contact_delete_warning))
+            setSpan(ForegroundColorSpan(errorColor), warnStart, length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+        }
+
+        MaterialAlertDialogBuilder(ctx, R.style.ThemeOverlay_BasedBank_DestructiveDialog)
+            .setIcon(icon)
             .setTitle(R.string.contact_delete_title)
-            .setMessage(getString(R.string.contact_delete_message, contact.name))
+            .setMessage(message)
             .setPositiveButton(R.string.contact_delete) { _, _ -> deleteContact(contact) }
             .setNegativeButton(R.string.cancel, null)
             .show()

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

@@ -43,10 +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)
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        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)
@@ -121,7 +121,8 @@ class DashboardFragment : Fragment() {
             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 = bmlItems + mibItems
+            val rank = credStore.loginRank()
+            val all = (bmlItems + mibItems).sortedBy { rank(it.loginTag) }
             val defaultNum = credStore.getDefaultCardAccountNumber()
             val ordered = if (defaultNum != null) {
                 val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }

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

@@ -44,9 +44,11 @@ class FinancingAdapter(mibDeals: List<MibFinanceDeal>) :
         notifyDataSetChanged()
     }
 
-    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>) {
+    fun update(mibDeals: List<MibFinanceDeal>, bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>>, mibFirst: Boolean = true) {
         expandedPositions.clear()
-        items = mibDeals.map { Item.Mib(it) } + bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        val mibItems = mibDeals.map { Item.Mib(it) }
+        val bmlItems = bmlLoans.map { (acc, detail) -> Item.Bml(acc, detail) }
+        items = if (mibFirst) mibItems + bmlItems else bmlItems + mibItems
         notifyDataSetChanged()
     }
 

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

@@ -14,6 +14,7 @@ import sh.sar.basedbank.api.bml.BmlLoanDetail
 import sh.sar.basedbank.api.mib.MibFinanceDeal
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.databinding.FragmentFinancingBinding
+import sh.sar.basedbank.util.CredentialStore
 
 class FinancingFragment : Fragment() {
 
@@ -67,7 +68,11 @@ class FinancingFragment : Fragment() {
         val bmlLoans: List<Pair<BankAccount, BmlLoanDetail?>> =
             loanAccounts.map { acc -> acc to latestBmlLoanDetails[acc.internalId] }
 
-        adapter.update(latestMibDeals, bmlLoans)
+        // MIB deals carry no login tag, so order the MIB and BML blocks by each bank's first login
+        val order = CredentialStore(requireContext()).getLoginOrder()
+        val firstMib = order.indexOfFirst { it.startsWith("mib_") }
+        val firstBml = order.indexOfFirst { it.startsWith("bml_") }
+        adapter.update(latestMibDeals, bmlLoans, mibFirst = firstBml < 0 || (firstMib in 0 until firstBml))
 
         val isEmpty = latestMibDeals.isEmpty() && bmlLoans.isEmpty()
         binding.recyclerView.visibility = if (isEmpty) View.GONE else View.VISIBLE

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

@@ -244,9 +244,9 @@ class HomeActivity : AppCompatActivity() {
             val cachedFahipay = AccountCache.loadFahipay(this, store.getFahipayLoginIds())
             val cachedMfaisa = AccountCache.loadMfaisa(this, store.getMfaisaLoginIds())
             val merged = cachedMib + cachedBml + cachedFahipay + cachedMfaisa
-            if (merged.isNotEmpty()) viewModel.accounts.value = merged
+            if (merged.isNotEmpty()) viewModel.accounts.value = merged.filterVisibleAccounts()
             val cachedCards = CardsCache.load(this)
-            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards
+            if (cachedCards.isNotEmpty()) viewModel.mibCards.value = cachedCards.filterVisibleCards()
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
             val cachedBmlLoans = FinancingCache.loadBmlLoans(this)
@@ -528,9 +528,9 @@ fun applyNavLabelVisibility() {
 
     private fun routeSharedQrText(text: String) {
         val store = CredentialStore(this)
-        val bmlUrl = sh.sar.basedbank.util.PaymvQrParser.extractBmlGatewayUrl(text)
+        val bmlTarget = sh.sar.basedbank.util.PaymvQrParser.bmlQrPayTarget(text)
-        if (text.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        if (bmlTarget != null) {
-            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: text, store.getDefaultCardAccountNumber()))
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, store.getDefaultCardAccountNumber()))
             return
         }
         val qr = sh.sar.basedbank.util.PaymvQrParser.parse(text)
@@ -774,47 +774,13 @@ fun applyNavLabelVisibility() {
 
                     if (savedProfiles.isNotEmpty()) app.bmlProfilesMap[loginId] = savedProfiles
 
-                    val bmlClient = BmlAccountClient()
+                    // Hidden profiles are never fetched; unhiding one fetches it on its own (fetchEnabledBmlProfiles)
+                    val hiddenProfiles = store.getHiddenBmlProfileIds(loginId)
                     for (profile in savedProfiles) {
-                        val saved = store.loadBmlProfileSession(profile.profileId)
+                        if (profile.profileId in hiddenProfiles) continue
-                        val refreshToken = store.loadBmlProfileRefreshToken(profile.profileId)
-                        if (saved == null) {
-                            allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
-                                .filter { it.profileId == profile.profileId }
-                            continue
-                        }
-                        val expiresAt = store.loadBmlProfileExpiresAt(profile.profileId)
-                        val tokenKnownExpired = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
-
-                        suspend fun fetchWithSession(session: BmlSession) {
-                            bmlClient.checkProfile(session)
-                            val accounts = bmlClient.fetchAccounts(session, loginTag, profile.name, profile.profileId)
-                            app.bmlSessions[profile.profileId] = session
-                            allAccounts += accounts
-                        }
-
-                        suspend fun tryRefresh() {
-                            if (refreshToken == null) throw Exception("No refresh token")
-                            val oldSession = BmlSession(saved.first, saved.second, refreshToken)
-                            val newSession = app.bmlFlowFor(loginId).refreshSession(oldSession)
-                            store.saveBmlProfileSession(profile.profileId, newSession.accessToken, newSession.deviceId)
-                            if (newSession.refreshToken.isNotBlank())
-                                store.saveBmlProfileRefreshToken(profile.profileId, newSession.refreshToken)
-                            if (newSession.expiresAt > 0)
-                                store.saveBmlProfileExpiresAt(profile.profileId, newSession.expiresAt)
-                            fetchWithSession(newSession)
-                        }
-
                         try {
-                            if (tokenKnownExpired) {
+                            allAccounts += fetchBmlProfileAccounts(store, loginId, profile)
-                                tryRefresh()
+                                ?: AccountCache.loadBml(this@HomeActivity, loginId).filter { it.profileId == profile.profileId }
-                            } else {
-                                try {
-                                    fetchWithSession(BmlSession(saved.first, saved.second))
-                                } catch (_: AuthExpiredException) {
-                                    tryRefresh()
-                                }
-                            }
                         } catch (e: java.io.IOException) {
                             refreshErrors.add("NO_INTERNET")
                             allAccounts += AccountCache.loadBml(this@HomeActivity, loginId)
@@ -985,15 +951,17 @@ fun applyNavLabelVisibility() {
             refreshBmlLoanDetails()
             for ((loginId, session) in app.mibSessions) {
                 val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-                refreshMibCards(loginId, session, profiles)
+                refreshMibCards(loginId, session, profiles.filterVisibleProfiles(loginId))
             }
         }
     }
 
-    /** Filters accounts whose profileId the user has hidden in settings. */
+    /** Filters accounts whose profileId or account number the user has hidden in settings. */
     private fun List<BankAccount>.filterVisibleAccounts(): List<BankAccount> {
         val store = CredentialStore(this@HomeActivity)
+        val hiddenAccountNumbers = store.getHiddenAccountNumbers()
         return filter { acc ->
+            if (acc.accountNumber in hiddenAccountNumbers) return@filter false
             when (acc.bank) {
                 "MIB" -> {
                     val loginId = acc.loginTag.removePrefix("mib_")
@@ -1022,10 +990,140 @@ fun applyNavLabelVisibility() {
         return filter { it.profileId !in hidden }
     }
 
-    /** Called by SettingsLoginsFragment after the user changes profile visibility. */
+    /** Drops MIB cards belonging to profiles the user has hidden. */
-    fun applyProfileVisibility() {
+    private fun List<sh.sar.basedbank.api.mib.MibCard>.filterVisibleCards(): List<sh.sar.basedbank.api.mib.MibCard> {
-        val current = viewModel.accounts.value ?: return
+        val store = CredentialStore(this@HomeActivity)
-        viewModel.accounts.value = current.filterVisibleAccounts()
+        return filter { card ->
+            card.profileId.isEmpty() || card.profileId !in store.getHiddenMibProfileIds(card.loginTag.removePrefix("mib_"))
+        }
+    }
+
+    /**
+     * Called by SettingsLoginsFragment after the user hides/unhides profiles or accounts.
+     * Re-filters the in-memory data only — no network. Newly unhidden profiles are fetched
+     * separately via [fetchEnabledMibProfiles] / [fetchEnabledBmlProfiles].
+     */
+    fun applyVisibility() {
+        val app = application as BasedBankApp
+        viewModel.accounts.value = (app.mibAccounts + app.bmlAccounts + app.fahipayAccounts + app.mfaisaAccounts).filterVisibleAccounts()
+        viewModel.mibCards.value?.let { cards ->
+            val visible = cards.filterVisibleCards()
+            viewModel.mibCards.value = visible
+            CardsCache.save(this, visible)
+        }
+    }
+
+    /** Fetches accounts, cards and financing for MIB profiles the user just unhid (hidden ones are skipped on refresh). */
+    fun fetchEnabledMibProfiles(loginId: String, profileIds: Set<String>) {
+        if (profileIds.isEmpty()) return
+        val app = application as BasedBankApp
+        val loginTag = "mib_$loginId"
+        val enabled = (app.mibProfilesMap[loginId] ?: emptyList()).filter { it.profileId in profileIds }
+        binding.refreshIndicator.visibility = View.VISIBLE
+        lifecycleScope.launch {
+            val fresh = withContext(Dispatchers.IO) {
+                val session = app.mibSessions[loginId]
+                if (session != null && enabled.isNotEmpty()) {
+                    try {
+                        val accounts = app.mibFlowFor(loginId).fetchAllProfiles(session, enabled, loginTag)
+                        if (accounts.isNotEmpty()) {
+                            return@withContext app.mibAccounts.filter { it.loginTag != loginTag || it.profileId !in profileIds } + accounts
+                        }
+                    } catch (_: Exception) { }
+                }
+                // Session expired — log this one login in again (it now includes the unhidden profiles)
+                val store = CredentialStore(this@HomeActivity)
+                val creds = store.loadMibCredentials(loginId) ?: return@withContext null
+                try {
+                    val flow = MibLoginFlow(store)
+                    val accounts = flow.login(creds.username, creds.passwordHash, creds.otpSeed)
+                    app.mibSessions[loginId] = flow.lastSession!!
+                    app.mibProfilesMap[loginId] = flow.lastProfiles
+                    app.mibLoginFlows[loginId] = flow
+                    store.saveMibProfiles(loginId, flow.lastProfiles)
+                    app.mibAccounts.filter { it.loginTag != loginTag } + accounts
+                } catch (_: Exception) { null }
+            }
+            binding.refreshIndicator.visibility = View.GONE
+            if (fresh == null) return@launch
+            app.mibAccounts = fresh
+            AccountCache.save(this@HomeActivity, fresh)
+            applyVisibility()
+            val session = app.mibSessions[loginId] ?: return@launch
+            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+            refreshMibCards(loginId, session, profiles.filter { it.profileId in profileIds })
+            // Financing deals carry no profile id, so the login's visible profiles are fetched together
+            refreshFinancing(loginId, session, profiles.filterVisibleProfiles(loginId))
+        }
+    }
+
+    /** Fetches accounts (and loan details / limits) for BML profiles the user just unhid. */
+    fun fetchEnabledBmlProfiles(loginId: String, profileIds: Set<String>) {
+        if (profileIds.isEmpty()) return
+        val app = application as BasedBankApp
+        val store = CredentialStore(this)
+        val enabled = store.loadBmlProfiles(loginId).filter { it.profileId in profileIds }
+        if (enabled.isEmpty()) return
+        binding.refreshIndicator.visibility = View.VISIBLE
+        lifecycleScope.launch {
+            val fetched = withContext(Dispatchers.IO) {
+                enabled.mapNotNull { profile ->
+                    try { fetchBmlProfileAccounts(store, loginId, profile)?.let { profile.profileId to it } } catch (_: Exception) { null }
+                }
+            }
+            binding.refreshIndicator.visibility = View.GONE
+            if (fetched.isEmpty()) return@launch
+            val fetchedIds = fetched.map { it.first }.toSet()
+            val loginTag = "bml_$loginId"
+            app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != loginTag || it.profileId !in fetchedIds } +
+                fetched.flatMap { it.second }
+            AccountCache.saveBml(this@HomeActivity, loginId, app.bmlAccounts.filter { it.loginTag == loginTag })
+            applyVisibility()
+            fetchedIds.forEach { id -> app.bmlSessions[id]?.let { refreshBmlLimits(it) } }
+            refreshBmlLoanDetails()
+        }
+    }
+
+    /**
+     * Fetches one BML profile's accounts with its saved session, refreshing the token when expired.
+     * Returns null when the profile has no saved session; throws on network/server errors.
+     */
+    private fun fetchBmlProfileAccounts(store: CredentialStore, loginId: String, profile: BmlProfile): List<BankAccount>? {
+        val app = application as BasedBankApp
+        val saved = store.loadBmlProfileSession(profile.profileId) ?: return null
+        val refreshToken = store.loadBmlProfileRefreshToken(profile.profileId)
+        val expiresAt = store.loadBmlProfileExpiresAt(profile.profileId)
+        val tokenKnownExpired = expiresAt > 0L && System.currentTimeMillis() >= expiresAt
+        val bmlClient = BmlAccountClient()
+
+        fun fetchWithSession(session: BmlSession): List<BankAccount> {
+            bmlClient.checkProfile(session)
+            val accounts = bmlClient.fetchAccounts(session, "bml_$loginId", profile.name, profile.profileId)
+            app.bmlSessions[profile.profileId] = session
+            return accounts
+        }
+
+        fun tryRefresh(): List<BankAccount> {
+            if (refreshToken == null) throw Exception("No refresh token")
+            val oldSession = BmlSession(saved.first, saved.second, refreshToken)
+            val newSession = app.bmlFlowFor(loginId).refreshSession(oldSession)
+            store.saveBmlProfileSession(profile.profileId, newSession.accessToken, newSession.deviceId)
+            if (newSession.refreshToken.isNotBlank())
+                store.saveBmlProfileRefreshToken(profile.profileId, newSession.refreshToken)
+            if (newSession.expiresAt > 0)
+                store.saveBmlProfileExpiresAt(profile.profileId, newSession.expiresAt)
+            return fetchWithSession(newSession)
+        }
+
+        return if (tokenKnownExpired) {
+            tryRefresh()
+        } else {
+            try {
+                fetchWithSession(BmlSession(saved.first, saved.second))
+            } catch (_: AuthExpiredException) {
+                tryRefresh()
+            }
+        }
     }
 
     private fun refreshBmlLimits(session: BmlSession) {
@@ -1259,7 +1357,7 @@ fun applyNavLabelVisibility() {
         val app = application as BasedBankApp
         for ((loginId, session) in app.mibSessions) {
             val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-            refreshMibCards(loginId, session, profiles)
+            refreshMibCards(loginId, session, profiles.filterVisibleProfiles(loginId))
         }
     }
 
@@ -1284,7 +1382,8 @@ fun applyNavLabelVisibility() {
                 }
                 if (cards.isNotEmpty()) {
                     val existing = viewModel.mibCards.value?.toMutableList() ?: mutableListOf()
-                    existing.removeAll { it.loginTag == "mib_$loginId" }
+                    val fetchedIds = profiles.map { it.profileId }.toSet()
+                    existing.removeAll { it.loginTag == "mib_$loginId" && (it.profileId in fetchedIds || it.profileId.isEmpty()) }
                     existing += cards
                     viewModel.mibCards.postValue(existing)
                     CardsCache.save(this@HomeActivity, existing)

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

@@ -1,7 +1,8 @@
 package sh.sar.basedbank.ui.home
 
+import android.app.Application
+import androidx.lifecycle.AndroidViewModel
 import androidx.lifecycle.MutableLiveData
-import androidx.lifecycle.ViewModel
 import sh.sar.basedbank.api.bml.BmlForeignLimit
 import sh.sar.basedbank.api.bml.BmlLoanDetail
 import sh.sar.basedbank.api.models.BankAccount
@@ -9,14 +10,21 @@ import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.models.BankContactCategory
 import sh.sar.basedbank.api.mib.MibCard
 import sh.sar.basedbank.api.mib.MibFinanceDeal
+import sh.sar.basedbank.util.CredentialStore
 
 sealed class CardItem {
-    data class Mib(val card: MibCard) : CardItem()
+    abstract val loginTag: String
-    data class Bml(val account: BankAccount) : CardItem()
+    data class Mib(val card: MibCard) : CardItem() { override val loginTag get() = card.loginTag }
+    data class Bml(val account: BankAccount) : CardItem() { override val loginTag get() = account.loginTag }
 }
 
-class HomeViewModel : ViewModel() {
+class HomeViewModel(application: Application) : AndroidViewModel(application) {
-    val accounts = MutableLiveData<List<BankAccount>>(emptyList())
+    /** Always kept in the user's login order (Settings > Logins), so every screen lists accounts the same way. */
+    val accounts: MutableLiveData<List<BankAccount>> = object : MutableLiveData<List<BankAccount>>(emptyList()) {
+        override fun setValue(value: List<BankAccount>?) {
+            super.setValue(value?.let { list -> loginRank().let { rank -> list.sortedBy { rank(it.loginTag) } } })
+        }
+    }
     val financing = MutableLiveData<List<MibFinanceDeal>>(emptyList())
     /** BML loan details keyed by account internalId. */
     val bmlLoanDetails = MutableLiveData<Map<String, BmlLoanDetail>>(emptyMap())
@@ -26,7 +34,19 @@ class HomeViewModel : ViewModel() {
     data class BmlLimitsData(val userName: String, val limits: List<BmlForeignLimit>)
     val bmlLimits = MutableLiveData<List<BmlLimitsData>>(emptyList())
 
-    val mibCards = MutableLiveData<List<MibCard>?>(null)
+    val mibCards: MutableLiveData<List<MibCard>?> = object : MutableLiveData<List<MibCard>?>(null) {
+        override fun setValue(value: List<MibCard>?) {
+            super.setValue(value?.let { list -> loginRank().let { rank -> list.sortedBy { rank(it.loginTag) } } })
+        }
+    }
+
+    fun loginRank(): (String) -> Int = CredentialStore(getApplication()).loginRank()
+
+    /** Re-applies the login order after the user changes it. */
+    fun resortByLoginOrder() {
+        accounts.value = accounts.value
+        mibCards.value = mibCards.value
+    }
 
     val hideAmounts = MutableLiveData<Boolean>(false)
 

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

@@ -18,7 +18,9 @@ import kotlinx.coroutines.delay
 import kotlinx.coroutines.isActive
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
+import com.google.android.material.color.MaterialColors
 import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlAccountClient
 import sh.sar.basedbank.api.mib.MibProfileClient
 import sh.sar.basedbank.api.mib.MibLoginFlow
@@ -32,7 +34,7 @@ class OtpFragment : Fragment() {
     private var _binding: FragmentOtpBinding? = null
     private val binding get() = _binding!!
 
-    private data class OtpEntry(val label: String, val seed: String)
+    private data class OtpEntry(val bank: String, val name: String?, val seed: String)
 
     private inner class OtpAdapter(private val entries: List<OtpEntry>) :
         RecyclerView.Adapter<OtpAdapter.VH>() {
@@ -45,18 +47,17 @@ class OtpFragment : Fragment() {
             VH(ItemOtpCardBinding.inflate(LayoutInflater.from(parent.context), parent, false))
 
         override fun onBindViewHolder(holder: VH, position: Int) {
-            holder.b.tvOtpLabel.text = entries[position].label
+            val entry = entries[position]
-            update(holder.b, entries[position].seed)
+            val b = holder.b
-            holder.b.root.setOnClickListener {
+            b.tvOtpBank.text = entry.bank
-                val code = holder.b.tvOtpCode.text.toString().replace(" ", "")
+            b.tvOtpLabel.text = entry.name ?: "Authenticator"
-                if (code.isNotEmpty()) {
+            b.ivBankLogo.setImageResource(
-                    val clipboard = it.context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+                if (entry.bank == "BML") R.drawable.bml_logo_vector else R.drawable.mib_logo
-                    clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
+            )
-                    if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
+            update(b, entry.seed)
-                        Toast.makeText(it.context, "OTP copied", Toast.LENGTH_SHORT).show()
+            b.root.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
-                    }
+            b.btnCopyOtp.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
-                }
+            b.btnCopyNextOtp.setOnClickListener { copyCode(it.context, b.tvNextOtpCode.text, "Next OTP copied") }
-            }
         }
 
         fun tick() {
@@ -71,9 +72,32 @@ class OtpFragment : Fragment() {
             val secondsInPeriod = (epochSeconds % 30).toInt()
             val remaining = 30 - secondsInPeriod
             val code = try { Totp.generate(seed) } catch (_: Exception) { "------" }
+            val next = try { Totp.generate(seed, periodOffset = 1) } catch (_: Exception) { "------" }
             b.tvOtpCode.text = "${code.take(3)} ${code.drop(3)}"
+            b.tvNextOtpCode.text = "${next.take(3)} ${next.drop(3)}"
             b.otpProgress.progress = remaining
-            b.tvOtpCountdown.text = "Refreshes in $remaining second${if (remaining == 1) "" else "s"}"
+            b.tvOtpCountdown.text = remaining.toString()
+
+            // Turn the ring and code red in the last few seconds of the window
+            val expiring = remaining <= 5
+            val accent = MaterialColors.getColor(b.root,
+                if (expiring) com.google.android.material.R.attr.colorError else com.google.android.material.R.attr.colorPrimary)
+            b.otpProgress.setIndicatorColor(accent)
+            b.tvOtpCode.setTextColor(accent)
+            b.tvOtpCountdown.setTextColor(
+                if (expiring) accent
+                else MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnSurfaceVariant)
+            )
+        }
+    }
+
+    private fun copyCode(context: Context, text: CharSequence, message: String) {
+        val code = text.toString().replace(" ", "")
+        if (code.isEmpty() || code.contains('-')) return
+        val clipboard = context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
+        clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
+        if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
+            Toast.makeText(context, message, Toast.LENGTH_SHORT).show()
         }
     }
 
@@ -86,21 +110,24 @@ class OtpFragment : Fragment() {
         val store = CredentialStore(requireContext())
         val app = requireActivity().application as BasedBankApp
 
-        val entries = mutableListOf<OtpEntry>()
+        val rank = store.loginRank()
+        val tagged = mutableListOf<Pair<String, OtpEntry>>()
         for (loginId in store.getMibLoginIds()) {
             val creds = store.loadMibCredentials(loginId) ?: continue
             val name = store.loadMibFullName(loginId)
-            entries.add(OtpEntry(if (name != null) "MIB · $name" else "MIB", creds.otpSeed))
+            tagged.add(CredentialStore.loginKey("mib", loginId) to OtpEntry("MIB", name, creds.otpSeed))
         }
         for (loginId in store.getBmlLoginIds()) {
             val creds = store.loadBmlCredentials(loginId) ?: continue
             val name = store.loadBmlUserProfile(loginId)?.fullName
-            entries.add(OtpEntry(if (!name.isNullOrBlank()) "BML · $name" else "BML", creds.otpSeed))
+            tagged.add(CredentialStore.loginKey("bml", loginId) to OtpEntry("BML", name?.takeIf { it.isNotBlank() }, creds.otpSeed))
         }
+        val entries = tagged.sortedBy { rank(it.first) }.map { it.second }.toMutableList()
 
         val adapter = OtpAdapter(entries)
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
+        binding.emptyState.visibility = if (entries.isEmpty()) View.VISIBLE else View.GONE
 
         // Fetch real names in background if not yet cached, then refresh labels
         viewLifecycleOwner.lifecycleScope.launch {
@@ -122,7 +149,7 @@ class OtpFragment : Fragment() {
                         ))
                         val seed = store.loadMibCredentials(loginId)?.otpSeed
                         val idx = entries.indexOfFirst { it.seed == seed }
-                        if (idx >= 0) { entries[idx] = entries[idx].copy(label = "MIB · ${profile.fullName}"); changed = true }
+                        if (idx >= 0) { entries[idx] = entries[idx].copy(name = profile.fullName); changed = true }
                     }
                 }
             }
@@ -143,7 +170,7 @@ class OtpFragment : Fragment() {
                         ))
                         val seed = store.loadBmlCredentials(loginId)?.otpSeed
                         val idx = entries.indexOfFirst { it.seed == seed }
-                        if (idx >= 0) { entries[idx] = entries[idx].copy(label = "BML · ${info.fullName}"); changed = true }
+                        if (idx >= 0) { entries[idx] = entries[idx].copy(name = info.fullName); changed = true }
                     }
                 }
             }

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

@@ -48,6 +48,8 @@ class PayMvQrFragment : Fragment() {
     private val viewModel: HomeViewModel by activityViewModels()
 
     private var selectedAccount: BankAccount? = null
+    /** Set when opened for a saved contact: the QR is for their account, not one of ours. */
+    private var contactTarget: QrTarget? = null
     private var generatedBitmap: Bitmap? = null
     private var generateJob: Job? = null
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
@@ -59,7 +61,17 @@ class PayMvQrFragment : Fragment() {
         return binding.root
     }
 
+    /** Who the QR pays into — one of our own accounts, or a contact's. */
+    private data class QrTarget(val accountNumber: String, val name: String, val bank: String)
+
+    private fun currentTarget(): QrTarget? = contactTarget
+        ?: selectedAccount?.let { QrTarget(it.accountNumber, it.accountBriefName, it.bank) }
+
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        contactTarget = arguments?.let { args ->
+            val number = args.getString(ARG_ACCOUNT_NUMBER) ?: return@let null
+            QrTarget(number, args.getString(ARG_ACCOUNT_NAME).orEmpty(), args.getString(ARG_BANK).orEmpty())
+        }
         val basePaddingBottom = view.paddingBottom
         ViewCompat.setOnApplyWindowInsetsListener(view) { v, insets ->
             val bottomNav = activity?.findViewById<View>(R.id.bottomNavigation)
@@ -68,7 +80,15 @@ class PayMvQrFragment : Fragment() {
             v.updatePadding(bottom = basePaddingBottom + navBarBottom)
             insets
         }
+        if (contactTarget != null) {
+            // Not our account, so no account picker and our phone number doesn't belong on it
+            binding.tilAccount.visibility = View.GONE
+            binding.layoutIncludePhone.visibility = View.GONE
+            binding.switchIncludePhone.isChecked = false
+            scheduleGenerate()
+        } else {
             setupDropdown()
+        }
         binding.etAmount.addTextChangedListener { scheduleGenerate() }
         binding.etReference.addTextChangedListener { scheduleGenerate() }
         binding.switchIncludePhone.setOnCheckedChangeListener { _, _ -> scheduleGenerate() }
@@ -119,8 +139,8 @@ class PayMvQrFragment : Fragment() {
     }
 
     private suspend fun generateQr() {
-        val account = selectedAccount ?: return
+        val target = currentTarget() ?: return
-        val acquirer = when (account.bank) {
+        val acquirer = when (target.bank) {
             "BML"     -> "MALBMVMV"
             "MIB"     -> "MADVMVMV"
             "FAHIPAY" -> "FAHIMVMV"
@@ -133,10 +153,10 @@ class PayMvQrFragment : Fragment() {
             ?.let { "%.2f".format(it) }
 
         val ctx = requireContext()
-        val includePhone = binding.switchIncludePhone.isChecked
+        val account = selectedAccount
+        val mobile = if (binding.switchIncludePhone.isChecked && contactTarget == null && account != null) {
             val loginId = sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag)
             val store = CredentialStore(ctx)
-        val mobile = if (includePhone) {
             when (account.bank) {
                 "BML"     -> store.loadBmlUserProfile(loginId)?.mobile
                 "FAHIPAY" -> store.loadFahipayUserProfile(loginId)?.mobile
@@ -154,8 +174,8 @@ class PayMvQrFragment : Fragment() {
             ?.takeIf { it.isNotBlank() } ?: getString(R.string.paymvqr_reference_default)
 
         val bmp = withContext(Dispatchers.Default) {
-            val payload = buildQrPayload(account.accountNumber, account.accountBriefName, acquirer, amountFormatted, mobile, purpose)
+            val payload = buildQrPayload(target.accountNumber, target.name, acquirer, amountFormatted, mobile, purpose)
-            renderQrCard(ctx, account, payload, amountFormatted)
+            renderQrCard(ctx, target, payload, amountFormatted)
         }
         if (_binding == null) return
         generatedBitmap = bmp
@@ -224,7 +244,7 @@ class PayMvQrFragment : Fragment() {
 
     private fun renderQrCard(
         ctx: Context,
-        account: BankAccount,
+        target: QrTarget,
         qrPayload: String,
         amountStr: String?
     ): Bitmap {
@@ -246,7 +266,7 @@ class PayMvQrFragment : Fragment() {
         canvas.drawColor(Color.WHITE)
 
         // --- Bank logo top-left ---
-        val logoRes = when (account.bank) {
+        val logoRes = when (target.bank) {
             "BML"     -> R.drawable.bml_logo_vector
             "MIB"     -> R.drawable.mib_faisanet_logo
             else      -> R.drawable.fahipay_logo_long
@@ -279,7 +299,7 @@ class PayMvQrFragment : Fragment() {
         paint.color = Color.WHITE
         paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
         paint.textAlign = Paint.Align.CENTER
-        val nameText = account.accountBriefName.uppercase()
+        val nameText = target.name.uppercase()
         paint.textSize = 36f
         val maxNameW = boxR - boxL - 48f
         if (paint.measureText(nameText) > maxNameW) {
@@ -338,13 +358,13 @@ class PayMvQrFragment : Fragment() {
 
     private fun shareQr() {
         val bmp = generatedBitmap ?: return
-        val account = selectedAccount ?: return
+        val target = currentTarget() ?: return
         lifecycleScope.launch {
             val uri = withContext(Dispatchers.IO) {
                 try {
                     val dir = File(requireContext().cacheDir, "qr")
                     dir.mkdirs()
-                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val safeName = target.name.replace(Regex("[^A-Za-z0-9_]"), "_")
                     val file = File(dir, "${safeName}_paymv_qr.png")
                     FileOutputStream(file).use { bmp.compress(Bitmap.CompressFormat.PNG, 100, it) }
                     FileProvider.getUriForFile(
@@ -366,11 +386,11 @@ class PayMvQrFragment : Fragment() {
 
     private fun saveQr() {
         val bmp = generatedBitmap ?: return
-        val account = selectedAccount ?: return
+        val target = currentTarget() ?: return
         lifecycleScope.launch {
             val saved = withContext(Dispatchers.IO) {
                 try {
-                    val safeName = account.accountBriefName.replace(Regex("[^A-Za-z0-9_]"), "_")
+                    val safeName = target.name.replace(Regex("[^A-Za-z0-9_]"), "_")
                     val filename = "${safeName}_PayMV_QR.png"
                     if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.Q) {
                         val values = ContentValues().apply {
@@ -412,6 +432,21 @@ class PayMvQrFragment : Fragment() {
         _binding = null
     }
 
+    companion object {
+        private const val ARG_ACCOUNT_NUMBER = "account_number"
+        private const val ARG_ACCOUNT_NAME = "account_name"
+        private const val ARG_BANK = "bank"
+
+        /** QR for a contact's account. [bank] is "BML" / "MIB" / "FAHIPAY", as on [BankAccount.bank]. */
+        fun forContact(accountNumber: String, name: String, bank: String) = PayMvQrFragment().apply {
+            arguments = Bundle().apply {
+                putString(ARG_ACCOUNT_NUMBER, accountNumber)
+                putString(ARG_ACCOUNT_NAME, name)
+                putString(ARG_BANK, bank)
+            }
+        }
+    }
+
     // ── Account dropdown adapter ──────────────────────────────────────────────
 
     private inner class QrAccountAdapter(

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

@@ -77,10 +77,10 @@ class CardsFragment : 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)
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        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)
@@ -904,7 +904,9 @@ class CardsFragment : Fragment() {
         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
+        val rank = store.loginRank()
+        val all: List<CardItem> = (bmlActive + mibActive).sortedBy { rank(it.loginTag) } +
+            (bmlInactive + mibInactive).sortedBy { rank(it.loginTag) }
         // Move default BML card to front
         cards = if (defaultNum != null) {
             val def = all.filterIsInstance<CardItem.Bml>().firstOrNull { it.account.accountNumber == defaultNum }

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

@@ -10,8 +10,11 @@ import android.graphics.BitmapFactory
 import android.net.Uri
 import android.os.Bundle
 import android.util.Base64
+import android.annotation.SuppressLint
 import android.view.Gravity
+import android.view.HapticFeedbackConstants
 import android.view.LayoutInflater
+import android.view.MotionEvent
 import android.view.View
 import android.view.ViewGroup
 import android.widget.ImageView
@@ -30,6 +33,7 @@ import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.bml.BmlProfile
 import sh.sar.basedbank.api.mib.MibProfile
+import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.mib.TransactionCache
 import sh.sar.basedbank.databinding.FragmentSettingsLoginsBinding
 import sh.sar.basedbank.ui.login.LoginActivity
@@ -359,65 +363,86 @@ class SettingsLoginsFragment : Fragment() {
         _binding = null
     }
 
+    private data class LoginEntry(val key: String, val logoRes: Int, val displayName: String, val onClick: () -> Unit)
+
     private fun buildLoginsSection() {
         val ctx = requireContext()
         val store = CredentialStore(ctx)
         val container = binding.loginsContainer
         container.removeAllViews()
 
-        val mibLoginIds = store.getMibLoginIds()
+        val entries = mutableListOf<LoginEntry>()
-        val bmlLoginIds = store.getBmlLoginIds()
-        val fahipayLoginIds = store.getFahipayLoginIds()
-        val mfaisaLoginIds = store.getMfaisaLoginIds()
 
-        binding.tvLoginsTitle.visibility = if (mibLoginIds.isNotEmpty() || bmlLoginIds.isNotEmpty() || fahipayLoginIds.isNotEmpty() || mfaisaLoginIds.isNotEmpty()) View.VISIBLE else View.GONE
+        for (loginId in store.getMibLoginIds()) {
-
-        for (loginId in mibLoginIds) {
             val profile = store.loadMibUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.mib_name)
             val mibProfiles = store.loadMibProfiles(loginId)
-            addLoginRow(container, R.drawable.mib_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("mib", loginId), R.drawable.mib_logo, displayName) {
                 showMibLoginDetails(store, loginId, profile, mibProfiles)
             }
         }
 
-        for (loginId in bmlLoginIds) {
+        for (loginId in store.getBmlLoginIds()) {
             val profile = store.loadBmlUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
             val bmlProfiles = store.loadBmlProfiles(loginId)
-            addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("bml", loginId), R.drawable.bml_logo_vector, displayName) {
                 showBmlLoginDetails(store, loginId, profile, bmlProfiles)
             }
         }
 
-        for (loginId in fahipayLoginIds) {
+        for (loginId in store.getFahipayLoginIds()) {
             val profile = store.loadFahipayUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.fahipay_name)
-            addLoginRow(container, R.drawable.fahipay_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("fahipay", loginId), R.drawable.fahipay_logo, displayName) {
                 showFahipayLoginDetails(store, loginId, profile)
             }
         }
 
-        for (loginId in mfaisaLoginIds) {
+        for (loginId in store.getMfaisaLoginIds()) {
             val profile = store.loadMfaisaUserProfile(loginId)
             val displayName = profile?.name?.takeIf { it.isNotBlank() } ?: getString(R.string.ooredoo_name)
-            addLoginRow(container, R.drawable.ooredoo_logo, displayName) {
+            entries += LoginEntry(CredentialStore.loginKey("mfaisa", loginId), R.drawable.ooredoo_logo, displayName) {
                 showMfaisaLoginDetails(store, loginId, profile)
             }
         }
+
+        val rank = store.loginRank()
+        val sorted = entries.sortedBy { rank(it.key) }
+        val draggable = sorted.size > 1
+        for (entry in sorted) {
+            addLoginRow(
+                container, entry.logoRes, entry.displayName, entry.onClick,
+                dragTag = entry.key.takeIf { draggable },
+                onReordered = { order ->
+                    store.setLoginOrder(order)
+                    viewModel.resortByLoginOrder()
+                }
+            )
         }
 
-    private fun addLoginRow(container: LinearLayout, logoRes: Int, displayName: String, onClick: () -> Unit) {
+        binding.tvLoginsTitle.visibility = if (entries.isNotEmpty()) View.VISIBLE else View.GONE
+    }
+
+    private fun addLoginRow(
+        container: LinearLayout,
+        logoRes: Int,
+        displayName: String,
+        onClick: () -> Unit,
+        dragTag: String? = null,
+        onReordered: (List<String>) -> Unit = {}
+    ) {
         val ctx = requireContext()
         val dp = ctx.resources.displayMetrics.density
         val row = LinearLayout(ctx).apply {
             orientation = LinearLayout.HORIZONTAL
             gravity = Gravity.CENTER_VERTICAL
-            setPadding(0, (12 * dp).toInt(), 0, (12 * dp).toInt())
+            setPadding((12 * dp).toInt(), (12 * dp).toInt(), (12 * dp).toInt(), (12 * dp).toInt())
             isClickable = true; isFocusable = true
             val ta = ctx.obtainStyledAttributes(intArrayOf(android.R.attr.selectableItemBackground))
             background = ta.getDrawable(0); ta.recycle()
             setOnClickListener { onClick() }
+            tag = dragTag
         }
         val logo = ImageView(ctx).apply {
             setImageResource(logoRes)
@@ -430,9 +455,195 @@ class SettingsLoginsFragment : Fragment() {
             layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
         }
         row.addView(logo); row.addView(tvName)
+        if (dragTag != null) {
+            val handle = ImageView(ctx).apply {
+                setImageResource(R.drawable.ic_reorder_lines)
+                scaleType = ImageView.ScaleType.CENTER_INSIDE
+                contentDescription = getString(R.string.drag_to_reorder)
+                layoutParams = LinearLayout.LayoutParams((40 * dp).toInt(), (40 * dp).toInt()).apply { marginStart = (4 * dp).toInt() }
+            }
+            row.addView(handle)
+            attachDragHandle(handle, row, container, onReordered)
+        }
         container.addView(row)
     }
 
+    /** Drag [row] vertically within [group] by its [handle]; rows are identified by their String tag. */
+    @SuppressLint("ClickableViewAccessibility")
+    private fun attachDragHandle(handle: View, row: View, group: LinearLayout, onReordered: (List<String>) -> Unit) {
+        val ctx = handle.context
+        val lift = 8 * ctx.resources.displayMetrics.density
+        val dragBg = android.graphics.drawable.ColorDrawable(
+            com.google.android.material.color.MaterialColors.getColor(
+                ctx, com.google.android.material.R.attr.colorSurfaceContainerHigh, android.graphics.Color.LTGRAY))
+        var lastY = 0f
+        var startIndex = 0
+        var savedBg: android.graphics.drawable.Drawable? = null
+
+        handle.setOnTouchListener { v, ev ->
+            when (ev.actionMasked) {
+                MotionEvent.ACTION_DOWN -> {
+                    v.parent.requestDisallowInterceptTouchEvent(true)
+                    lastY = ev.rawY
+                    startIndex = group.indexOfChild(row)
+                    row.animate().cancel()
+                    savedBg = row.background
+                    row.background = dragBg
+                    row.translationZ = lift
+                    v.performHapticFeedback(HapticFeedbackConstants.LONG_PRESS)
+                }
+                MotionEvent.ACTION_MOVE -> {
+                    row.translationY += ev.rawY - lastY
+                    lastY = ev.rawY
+                    var index = group.indexOfChild(row)
+                    while (index < group.childCount - 1) {
+                        val next = group.getChildAt(index + 1)
+                        if (row.translationY <= next.height / 2f) break
+                        group.removeView(next); group.addView(next, index)
+                        row.translationY -= next.height
+                        next.translationY = row.height.toFloat()
+                        next.animate().translationY(0f).setDuration(150).start()
+                        index++
+                    }
+                    while (index > 0) {
+                        val prev = group.getChildAt(index - 1)
+                        if (row.translationY >= -prev.height / 2f) break
+                        group.removeView(prev); group.addView(prev, index)
+                        row.translationY += prev.height
+                        prev.translationY = -row.height.toFloat()
+                        prev.animate().translationY(0f).setDuration(150).start()
+                        index--
+                    }
+                    if (index == 0) row.translationY = row.translationY.coerceAtLeast(0f)
+                    if (index == group.childCount - 1) row.translationY = row.translationY.coerceAtMost(0f)
+                }
+                MotionEvent.ACTION_UP, MotionEvent.ACTION_CANCEL -> {
+                    v.parent.requestDisallowInterceptTouchEvent(false)
+                    row.animate().translationY(0f).translationZ(0f).setDuration(150)
+                        .withEndAction { row.background = savedBg }
+                        .start()
+                    if (group.indexOfChild(row) != startIndex) {
+                        onReordered((0 until group.childCount).mapNotNull { group.getChildAt(it).tag as? String })
+                    }
+                }
+            }
+            true
+        }
+    }
+
+    /** A single account row with a visibility toggle; [indent] nests it under a parent profile row (tree view). */
+    private fun addAccountRow(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        acc: BankAccount,
+        hiddenAccounts: MutableSet<String>,
+        indent: Boolean
+    ): Pair<BankAccount, MaterialSwitch> {
+        val row = LinearLayout(ctx).apply {
+            orientation = LinearLayout.HORIZONTAL
+            gravity = Gravity.CENTER_VERTICAL
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.MATCH_PARENT, LinearLayout.LayoutParams.WRAP_CONTENT).also {
+                it.bottomMargin = (4 * dp).toInt()
+                if (indent) it.marginStart = (28 * dp).toInt()
+            }
+        }
+        val textCol = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            layoutParams = LinearLayout.LayoutParams(0, LinearLayout.LayoutParams.WRAP_CONTENT, 1f)
+        }
+        val nameAppearance = if (indent) com.google.android.material.R.style.TextAppearance_Material3_BodySmall
+            else com.google.android.material.R.style.TextAppearance_Material3_BodyMedium
+        textCol.addView(TextView(ctx).apply {
+            text = acc.accountBriefName.ifBlank { acc.accountTypeName.ifBlank { acc.accountNumber } }
+            setTextAppearance(nameAppearance)
+        })
+        val typeLabel = sh.sar.basedbank.util.AccountListParser.from(acc)?.typeLabel
+            ?: if (acc.bank == "BML") sh.sar.basedbank.util.bmlapi.BmlDashboardParser.productLabel(acc.accountTypeName)
+            else acc.accountTypeName.trim()
+        textCol.addView(TextView(ctx).apply {
+            text = listOfNotNull(acc.accountNumber, typeLabel.takeIf { it.isNotBlank() }, acc.currencyName.takeIf { it.isNotBlank() })
+                .joinToString(" · ")
+            setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_BodySmall)
+            alpha = 0.6f
+        })
+        val toggle = MaterialSwitch(ctx).apply {
+            isChecked = acc.accountNumber !in hiddenAccounts
+            layoutParams = LinearLayout.LayoutParams(LinearLayout.LayoutParams.WRAP_CONTENT, LinearLayout.LayoutParams.WRAP_CONTENT).apply {
+                marginStart = (4 * dp).toInt()
+            }
+        }
+        row.addView(textCol)
+        row.addView(toggle)
+        container.addView(row)
+        return acc to toggle
+    }
+
+    /** Nests [accounts] directly under their parent profile row, without a header — the tree's leaves. */
+    private fun addNestedAccountRows(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        accounts: List<BankAccount>,
+        hiddenAccounts: MutableSet<String>
+    ): List<Pair<BankAccount, MaterialSwitch>> =
+        accounts.map { addAccountRow(ctx, container, dp, it, hiddenAccounts, indent = true) }
+
+    /** Builds a headered, flat "Accounts" section for accounts with no profile to nest under. */
+    private fun addAccountsSection(
+        ctx: Context,
+        container: LinearLayout,
+        dp: Float,
+        accounts: List<BankAccount>,
+        hiddenAccounts: MutableSet<String>,
+        showDivider: Boolean
+    ): List<Pair<BankAccount, MaterialSwitch>> {
+        if (accounts.isEmpty()) return emptyList()
+        if (showDivider) {
+            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.accounts)
+            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()
+            }
+        })
+        return accounts.map { addAccountRow(ctx, container, dp, it, hiddenAccounts, indent = false) }
+    }
+
+    /**
+     * Unchecks and disables account toggles whose parent profile is hidden, and restores the
+     * account's own choice once the profile is shown again. [hiddenAccounts] is left untouched —
+     * the account listeners ignore changes made while a toggle is disabled.
+     */
+    private fun syncAccountToggles(
+        accountRows: List<Pair<BankAccount, MaterialSwitch>>,
+        hiddenAccounts: Set<String>,
+        isParentHidden: (BankAccount) -> Boolean
+    ) {
+        accountRows.forEach { (acc, toggle) ->
+            if (isParentHidden(acc)) {
+                toggle.isEnabled = false
+                toggle.isChecked = false
+            } else {
+                toggle.isChecked = acc.accountNumber !in hiddenAccounts
+                toggle.isEnabled = true
+            }
+        }
+    }
+
+    /** Merges this login's account-hide choices into the global hidden-accounts set, leaving other logins untouched. */
+    private fun persistHiddenAccounts(store: CredentialStore, scopedAccounts: List<BankAccount>, hiddenAccounts: Set<String>) {
+        val scopedNumbers = scopedAccounts.map { it.accountNumber }.toSet()
+        store.setHiddenAccountNumbers((store.getHiddenAccountNumbers() - scopedNumbers) + hiddenAccounts)
+    }
+
     private fun showMibLoginDetails(
         store: CredentialStore,
         loginId: String,
@@ -443,6 +654,10 @@ class SettingsLoginsFragment : Fragment() {
         val dp = ctx.resources.displayMetrics.density
         val originalHidden = store.getHiddenMibProfileIds(loginId)
         val hidden = originalHidden.toMutableSet()
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.mibAccounts.filter { it.loginTag == "mib_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -485,7 +700,10 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
-        // Build toggle rows — wired up after dialog.show() so we can reference the Save button
+        // Build toggle rows — wired up after dialog.show() so we can reference the Save button.
+        // Each profile's own accounts nest directly beneath it (tree view), since one profile
+        // can have multiple accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = mibProfiles.map { p ->
             val row = LinearLayout(ctx).apply {
                 orientation = LinearLayout.HORIZONTAL
@@ -526,16 +744,25 @@ class SettingsLoginsFragment : Fragment() {
             row.addView(pencil)
             row.addView(toggle)
             container.addView(row)
+            accountRows += addNestedAccountRows(ctx, container, dp, loginAccounts.filter { it.profileId == p.profileId }, hiddenAccounts)
             p to toggle
         }
 
+        // Accounts that don't belong to any known profile still need to be reachable.
+        val unassignedAccounts = loginAccounts.filter { acc -> mibProfiles.none { it.profileId == acc.profileId } }
+        accountRows += addAccountsSection(
+            ctx, container, dp, unassignedAccounts, hiddenAccounts,
+            showDivider = mibProfiles.isNotEmpty() || profile != null
+        )
+
         fun updateToggleStates(saveBtn: android.widget.Button) {
             val visibleCount = mibProfiles.count { it.profileId !in hidden }
             toggleRows.forEach { (p, toggle) ->
                 // Disable the sole remaining visible toggle so it can't be turned off
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.profileId in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -559,11 +786,22 @@ class SettingsLoginsFragment : Fragment() {
             }
         }
 
+        accountRows.forEach { (acc, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden parent profile
+                if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                updateToggleStates(saveBtn)
+            }
+        }
+
         saveBtn.setOnClickListener {
             store.setHiddenMibProfileIds(loginId, hidden)
-            clearAllCaches(ctx)
+            persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
             dialog.dismiss()
-            (activity as? HomeActivity)?.relogin()
+            // Hiding is applied offline; only profiles that were just unhidden get fetched
+            val home = activity as? HomeActivity
+            home?.applyVisibility()
+            home?.fetchEnabledMibProfiles(loginId, originalHidden - hidden)
         }
     }
 
@@ -585,6 +823,10 @@ class SettingsLoginsFragment : Fragment() {
             if (hidden.add(id)) store.setHiddenBmlProfileIds(loginId, hidden)
         }
         val originalHidden = hidden.toSet()
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.bmlAccounts.filter { it.loginTag == "bml_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -630,6 +872,9 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
+        // Each profile's own accounts nest directly beneath it (tree view), since one profile
+        // can have multiple accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = bmlProfiles.map { p ->
             val avatarIv = makeCircleAvatarView(ctx, 36)
             val currentBitmap = ProfileImageStore.load(ctx, ProfileImageStore.bmlKey(p.profileId))
@@ -677,15 +922,24 @@ class SettingsLoginsFragment : Fragment() {
             row.addView(pencil)
             row.addView(toggle)
             container.addView(row)
+            accountRows += addNestedAccountRows(ctx, container, dp, loginAccounts.filter { it.profileId == p.profileId }, hiddenAccounts)
             p to toggle
         }
 
+        // Accounts that don't belong to any known profile still need to be reachable.
+        val unassignedAccounts = loginAccounts.filter { acc -> bmlProfiles.none { it.profileId == acc.profileId } }
+        accountRows += addAccountsSection(
+            ctx, container, dp, unassignedAccounts, hiddenAccounts,
+            showDivider = bmlProfiles.isNotEmpty() || profile != null
+        )
+
         fun updateToggleStates(saveBtn: android.widget.Button) {
             val visibleCount = bmlProfiles.count { it.profileId !in hidden }
             toggleRows.forEach { (_, toggle) ->
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.profileId in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -720,11 +974,22 @@ class SettingsLoginsFragment : Fragment() {
             }
         }
 
+        accountRows.forEach { (acc, toggle) ->
+            toggle.setOnCheckedChangeListener { _, checked ->
+                if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden parent profile
+                if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                updateToggleStates(saveBtn)
+            }
+        }
+
         saveBtn.setOnClickListener {
             store.setHiddenBmlProfileIds(loginId, hidden)
-            clearAllCaches(ctx)
+            persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
             dialog.dismiss()
-            (activity as? HomeActivity)?.relogin()
+            // Hiding is applied offline; only profiles that were just unhidden get fetched
+            val home = activity as? HomeActivity
+            home?.applyVisibility()
+            home?.fetchEnabledBmlProfiles(loginId, originalHidden - hidden)
         }
     }
 
@@ -947,6 +1212,10 @@ class SettingsLoginsFragment : Fragment() {
         val dp = ctx.resources.displayMetrics.density
         val hide = viewModel.hideAmounts.value ?: false
         val masked = "••••••"
+        val app = requireActivity().application as BasedBankApp
+        val loginAccounts = app.fahipayAccounts.filter { it.loginTag == "fahipay_$loginId" }
+        val originalHiddenAccounts = loginAccounts.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         val scroll = android.widget.ScrollView(ctx)
         val container = LinearLayout(ctx).apply {
@@ -997,14 +1266,37 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
-        MaterialAlertDialogBuilder(ctx)
+        val accountRows = addAccountsSection(ctx, container, dp, loginAccounts, hiddenAccounts, showDivider = true)
+
+        val dialog = MaterialAlertDialogBuilder(ctx)
             .setTitle(getString(R.string.fahipay_name))
             .setView(scroll)
-            .setPositiveButton(R.string.close, null)
+            .apply {
-            .setNegativeButton(R.string.settings_logout) { _, _ ->
+                if (loginAccounts.isNotEmpty()) setPositiveButton(R.string.save, null)
+                setNeutralButton(R.string.close, null)
+                setNegativeButton(R.string.settings_logout) { _, _ ->
                     confirmLogout(getString(R.string.fahipay_name)) { logoutFahipay(store, loginId) }
                 }
+            }
             .show()
+
+        if (loginAccounts.isNotEmpty()) {
+            val saveBtn = dialog.getButton(android.app.AlertDialog.BUTTON_POSITIVE)
+            saveBtn.isEnabled = false
+
+            accountRows.forEach { (acc, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                    saveBtn.isEnabled = hiddenAccounts != originalHiddenAccounts
+                }
+            }
+
+            saveBtn.setOnClickListener {
+                persistHiddenAccounts(store, loginAccounts, hiddenAccounts)
+                dialog.dismiss()
+                (activity as? HomeActivity)?.applyVisibility()
+            }
+        }
     }
 
     private fun showLoginDetails(title: String, details: String, onLogout: () -> Unit) {
@@ -1087,6 +1379,8 @@ class SettingsLoginsFragment : Fragment() {
         val pockets = sh.sar.basedbank.util.AccountCache.loadMfaisa(ctx, loginId)
         val hidden = store.getHiddenMfaisaPocketIds(loginId).toMutableSet()
         val originalHidden = hidden.toSet()
+        val originalHiddenAccounts = pockets.map { it.accountNumber }.filter { it in store.getHiddenAccountNumbers() }.toSet()
+        val hiddenAccounts = originalHiddenAccounts.toMutableSet()
 
         // 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.
@@ -1142,6 +1436,9 @@ class SettingsLoginsFragment : Fragment() {
             })
         }
 
+        // Each group's own pockets nest directly beneath it (tree view), since a group
+        // ("M-Faisa" / "PayPal") can hold multiple pocket accounts.
+        val accountRows = mutableListOf<Pair<BankAccount, MaterialSwitch>>()
         val toggleRows = profileRows.map { row ->
             val v = LinearLayout(ctx).apply {
                 orientation = LinearLayout.HORIZONTAL
@@ -1164,6 +1461,7 @@ class SettingsLoginsFragment : Fragment() {
             v.addView(label)
             v.addView(toggle)
             container.addView(v)
+            accountRows += addNestedAccountRows(ctx, container, dp, pockets.filter { it.accountNumber in row.pocketIds }, hiddenAccounts)
             row to toggle
         }
 
@@ -1172,7 +1470,8 @@ class SettingsLoginsFragment : Fragment() {
             toggleRows.forEach { (_, toggle) ->
                 toggle.isEnabled = !(toggle.isChecked && visibleCount == 1)
             }
-            saveBtn.isEnabled = hidden != originalHidden && visibleCount >= 1
+            syncAccountToggles(accountRows, hiddenAccounts) { it.accountNumber in hidden }
+            saveBtn.isEnabled = (hidden != originalHidden || hiddenAccounts != originalHiddenAccounts) && visibleCount >= 1
         }
 
         val dialog = MaterialAlertDialogBuilder(ctx)
@@ -1199,11 +1498,20 @@ class SettingsLoginsFragment : Fragment() {
                 }
             }
 
+            accountRows.forEach { (acc, toggle) ->
+                toggle.setOnCheckedChangeListener { _, checked ->
+                    if (!toggle.isEnabled) return@setOnCheckedChangeListener  // driven by a hidden pocket group
+                    if (checked) hiddenAccounts.remove(acc.accountNumber) else hiddenAccounts.add(acc.accountNumber)
+                    updateToggleStates(saveBtn)
+                }
+            }
+
             saveBtn.setOnClickListener {
+                // All pockets come back in one login response, so hiding/unhiding never needs a request
                 store.setHiddenMfaisaPocketIds(loginId, hidden)
-                clearAllCaches(ctx)
+                persistHiddenAccounts(store, pockets, hiddenAccounts)
                 dialog.dismiss()
-                (activity as? HomeActivity)?.relogin()
+                (activity as? HomeActivity)?.applyVisibility()
             }
         }
     }

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

@@ -40,9 +40,11 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.mib.MibIpsAccountInfo
 import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.databinding.ItemPickerRowBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 import sh.sar.basedbank.ui.home.transfer.BmlTransferHandler
 import sh.sar.basedbank.ui.home.transfer.FahipayTransferHandler
@@ -92,6 +94,7 @@ class TransferFragment : Fragment() {
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
     private var accountDropdownAdapter: AccountDropdownAdapter? = null
+    private var contactDropdownAdapter: ContactDropdownAdapter? = null
 
     /**
      * Owns everything BML-specific: sessions, the transfer itself, the business-profile OTP
@@ -172,13 +175,13 @@ class TransferFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return
 
-        // BML card/gateway QR — hand off to dedicated payment screen
+        // BML card/gateway/POS QR — hand off to dedicated payment screen
-        val bmlUrl = PaymvQrParser.extractBmlGatewayUrl(raw)
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
-        if (raw.startsWith("https://ebanking.bankofmaldives.com.mv/qrpay/") || bmlUrl != null) {
+        if (bmlTarget != null) {
             val fromCard = selectedAccount?.takeIf {
                 it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
             }
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlUrl ?: raw, fromCard?.accountNumber))
+            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, fromCard?.accountNumber))
             return
         }
 
@@ -305,6 +308,9 @@ class TransferFragment : Fragment() {
 
         setupFromDropdown()
         setupAccountLookup()
+        // Contact search dropdown on the To field needs viewModel.contacts populated —
+        // otherwise it stays empty until the contacts tab or picker sheet is opened first.
+        (activity as? HomeActivity)?.loadAllContacts()
 
         viewModel.hideAmounts.observe(viewLifecycleOwner) {
             accountDropdownAdapter?.notifyDataSetChanged()
@@ -327,7 +333,7 @@ class TransferFragment : Fragment() {
             // MFAISA source + a phone-number pick (e.g. a tagged M-Faisa recent) — re-run the
             // basicBeneDetails lookup so the recipient gets fully resolved before Send is enabled.
             if (selectedAccount?.bank == "MFAISA") {
-                binding.etTo.setText(accountNumber)
+                binding.etTo.setText(accountNumber, false)
                 mfaisaHandler().searchRecipient(accountNumber)
                 return@setFragmentResultListener
             }
@@ -336,18 +342,8 @@ class TransferFragment : Fragment() {
             val colorHex  = bundle.getString(ContactPickerSheetFragment.KEY_COLOR) ?: "#607D8B"
             val imageHash = bundle.getString(ContactPickerSheetFragment.KEY_IMAGE_HASH)
             prefillToDirectly(accountNumber, label, subtitle, colorHex, imageHash)
-            if (selectedAccount == null) {
+            selectDefaultSourceIfNone()
-                val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
+            focusAmount()
-                if (defaultNum != null) {
-                    val defaultAcc = viewModel.accounts.value?.firstOrNull { it.accountNumber == defaultNum }
-                    if (defaultAcc != null) {
-                        selectedAccount = defaultAcc
-                        updateAmountPrefix(defaultAcc)
-                        showFromCard(defaultAcc)
-                        updateTransferButton()
-                    }
-                }
-            }
         }
 
         binding.btnPickContact.setOnClickListener {
@@ -408,7 +404,7 @@ class TransferFragment : Fragment() {
                 binding.cardToInfo.visibility = View.VISIBLE
                 if (savedToImageHash != null) loadToPhoto(savedToImageHash!!, isProfile = resolvedToOwnAccount != null)
             } else if (savedToText.isNotEmpty()) {
-                binding.etTo.setText(savedToText)
+                binding.etTo.setText(savedToText, false)
             }
             if (savedAmount.isNotEmpty()) binding.etAmount.setText(savedAmount)
             if (savedRemarks.isNotEmpty()) binding.etRemarks.setText(savedRemarks)
@@ -537,7 +533,7 @@ class TransferFragment : Fragment() {
                 resolvedToOwnAccount = null
                 binding.cardToInfo.visibility = View.GONE
                 binding.tilTo.visibility = View.VISIBLE
-                binding.etTo.setText("")
+                binding.etTo.setText("", false)
             }
         } else {
             binding.tilTo.hint = getString(R.string.transfer_to)
@@ -551,7 +547,7 @@ class TransferFragment : Fragment() {
                 resolvedToOwnAccount = null
                 binding.cardToInfo.visibility = View.GONE
                 binding.tilTo.visibility = View.VISIBLE
-                binding.etTo.setText("")
+                binding.etTo.setText("", false)
             }
         }
         // The picker and QR-scan icons live alongside the tilTo input. Keep them in sync with
@@ -720,13 +716,12 @@ class TransferFragment : Fragment() {
     }
 
     private fun setupAccountLookup() {
-        binding.tilTo.setEndIconOnClickListener {
+        binding.tilTo.setEndIconOnClickListener { searchTo() }
-            // M-Faisa source uses an entirely different lookup path (phone → basicBeneDetails)
+        binding.etTo.setOnEditorActionListener { _, actionId, _ ->
-            if (selectedAccount?.bank == "MFAISA") {
+            if (actionId == android.view.inputmethod.EditorInfo.IME_ACTION_SEARCH) {
-                mfaisaHandler().searchRecipient(binding.etTo.text?.toString().orEmpty())
+                searchTo()
-            } else {
+                true
-                lookupAccount()
+            } else false
-            }
         }
 
         binding.btnClearToInfo.setOnClickListener {
@@ -764,6 +759,62 @@ class TransferFragment : Fragment() {
                 updateTransferButton()
             }
         }
+
+        setupContactDropdown()
+    }
+
+    private fun searchTo() {
+        // M-Faisa source uses an entirely different lookup path (phone → basicBeneDetails)
+        if (selectedAccount?.bank == "MFAISA") {
+            mfaisaHandler().searchRecipient(binding.etTo.text?.toString().orEmpty())
+        } else {
+            lookupAccount()
+        }
+    }
+
+    /** Moves focus to the amount field and brings up the keyboard once a recipient is resolved. */
+    internal fun focusAmount() {
+        val et = binding.etAmount
+        // Posted so it runs after the To-row visibility changes and any closing picker sheet
+        et.post {
+            if (_binding == null) return@post
+            et.requestFocus()
+            et.setSelection(et.text?.length ?: 0)
+            val imm = requireContext().getSystemService(Context.INPUT_METHOD_SERVICE) as android.view.inputmethod.InputMethodManager
+            imm.showSoftInput(et, android.view.inputmethod.InputMethodManager.SHOW_IMPLICIT)
+        }
+    }
+
+    /** Live "search contacts as you type" dropdown on the To field (shown once 3+ chars are entered). */
+    private fun setupContactDropdown() {
+        val adapter = ContactDropdownAdapter(requireContext()) { selectedAccount?.bank == "MFAISA" }
+        contactDropdownAdapter = adapter
+        binding.etTo.setAdapter(adapter)
+
+        viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
+            adapter.updateSource(contacts)
+        }
+
+        binding.etTo.setOnItemClickListener { _, _, position, _ ->
+            val contact = adapter.getContact(position) ?: return@setOnItemClickListener
+            prefillToDirectly(
+                accountNumber = contact.benefAccount,
+                displayName   = contact.benefNickName,
+                subtitle      = "${contact.benefBankName} · ${contact.benefAccount}",
+                colorHex      = contact.bankColor,
+                imageHash     = contact.customerImgHash
+            )
+            selectDefaultSourceIfNone()
+            focusAmount()
+        }
+    }
+
+    /** Picks the user's default account as the source when a recipient is chosen before any source. */
+    private fun selectDefaultSourceIfNone() {
+        if (selectedAccount != null) return
+        val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber() ?: return
+        val defaultAcc = viewModel.accounts.value?.firstOrNull { it.accountNumber == defaultNum } ?: return
+        selectSourceAccount(defaultAcc)
     }
 
     private fun lookupAccount() {
@@ -801,6 +852,7 @@ class TransferFragment : Fragment() {
                 colorHex      = matchedContact.bankColor,
                 imageHash     = matchedContact.customerImgHash
             )
+            focusAmount()
             return
         }
 
@@ -868,7 +920,8 @@ class TransferFragment : Fragment() {
                 resolvedRecipientName = info.accountName
                 resolvedBankName = info.bankId
                 resolvedDestCurrency = info.currency
-                savedToSubtitle = "${info.accountNumber} · ${info.bankId}"
+                savedToSubtitle = listOfNotNull(info.accountNumber, info.bankId, info.currency.takeIf { it.isNotBlank() })
+                    .joinToString(" · ")
                 savedToColorHex = colorHex
                 savedToImageHash = when {
                     matchedAcc?.profileImageHash != null -> matchedAcc.profileImageHash
@@ -880,7 +933,7 @@ class TransferFragment : Fragment() {
                     showToCard(matchedAcc)
                 } else {
                     binding.tvToAccountName.text = displayName
-                    binding.tvToBankBic.text = "${info.accountNumber} · ${info.bankId}"
+                    binding.tvToBankBic.text = savedToSubtitle
                     binding.tvToAccountDetails.visibility = View.GONE
                     binding.tvToBalance.visibility = View.GONE
                     binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
@@ -892,6 +945,7 @@ class TransferFragment : Fragment() {
                 binding.cardToInfo.visibility = View.VISIBLE
                 updateTransferButton()
                 saveToRecents(info)
+                focusAmount()
 
                 when {
                     matchedAcc?.profileImageHash != null ->
@@ -975,7 +1029,7 @@ class TransferFragment : Fragment() {
         binding.btnPickContact.visibility = View.VISIBLE
         binding.btnScanQr.visibility = View.VISIBLE
         binding.tilTo.error = null
-        binding.etTo.setText(accountNumber)
+        binding.etTo.setText(accountNumber, false)
         lookupAccount()
     }
 
@@ -1512,7 +1566,7 @@ class TransferFragment : Fragment() {
         binding.tilTo.visibility = View.VISIBLE
         binding.btnPickContact.visibility = View.VISIBLE
         binding.btnScanQr.visibility = View.VISIBLE
-        binding.etTo.setText("")
+        binding.etTo.setText("", false)
         binding.tilTo.error = null
         binding.tilAmount.error = null
     }
@@ -1782,4 +1836,59 @@ class TransferFragment : Fragment() {
             override fun convertResultToString(r: Any?) = ""
         }
     }
+
+    /** Filters [source] contacts by nickname/name/account number, shown once the query is 3+ chars. */
+    private inner class ContactDropdownAdapter(
+        private val context: Context,
+        private val isDisabled: () -> Boolean
+    ) : BaseAdapter(), Filterable {
+
+        private var source: List<BankContact> = emptyList()
+        private var filtered: List<BankContact> = emptyList()
+
+        fun updateSource(contacts: List<BankContact>) {
+            source = contacts
+        }
+
+        fun getContact(position: Int): BankContact? = filtered.getOrNull(position)
+
+        override fun getCount() = filtered.size
+        override fun getItem(position: Int) = filtered[position]
+        override fun getItemId(position: Int) = position.toLong()
+
+        override fun getView(position: Int, convertView: View?, parent: ViewGroup): View {
+            val contact = filtered[position]
+            val b = if (convertView?.tag is ItemPickerRowBinding) {
+                convertView.tag as ItemPickerRowBinding
+            } else {
+                ItemPickerRowBinding.inflate(LayoutInflater.from(context), parent, false).also { it.root.tag = it }
+            }
+            b.tvPrimary.text = contact.benefNickName
+            b.tvSecondary.text = "${contact.benefBankName} · ${contact.benefAccount}"
+            b.tvBalance.visibility = View.GONE
+            b.ivIcon.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+            b.ivIcon.setImageBitmap(makeInitialsBitmap(contact.benefNickName, contact.bankColor))
+            return b.root
+        }
+
+        override fun getFilter() = object : Filter() {
+            override fun performFiltering(constraint: CharSequence?): FilterResults {
+                val query = constraint?.toString()?.trim().orEmpty()
+                val matches = if (isDisabled() || query.length < 3) emptyList() else source.filter {
+                    it.benefNickName.contains(query, ignoreCase = true) ||
+                        it.benefName.contains(query, ignoreCase = true) ||
+                        it.benefAccount.contains(query, ignoreCase = true)
+                }.take(8)
+                return FilterResults().apply { values = matches; count = matches.size }
+            }
+
+            @Suppress("UNCHECKED_CAST")
+            override fun publishResults(constraint: CharSequence?, results: FilterResults?) {
+                filtered = results?.values as? List<BankContact> ?: emptyList()
+                notifyDataSetChanged()
+            }
+
+            override fun convertResultToString(r: Any?) = ""
+        }
+    }
 }

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

@@ -18,6 +18,7 @@ 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
@@ -31,6 +32,7 @@ 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
@@ -173,9 +175,10 @@ class BmlTransferHandler(
 
     fun lookupQrMerchant(qrUrl: String) {
         qrLookupAttempted = true
-        gatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/")
+        // Gateway QRs and POS QRs (the raw EMV payload, not a URL) both carry a preset amount and
-        val base64Url = android.util.Base64.encodeToString(
+        // need the extra pre-initiate POST; ebanking qrpay URLs do not.
-            qrUrl.toByteArray(Charsets.UTF_8), android.util.Base64.NO_WRAP)
+        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
@@ -185,14 +188,20 @@ class BmlTransferHandler(
         host?.setRefreshing(true)
 
         fragment.viewLifecycleOwner.lifecycleScope.launch {
-            val info = withContext(Dispatchers.IO) {
+            val result = withContext(Dispatchers.IO) {
-                try { BmlQrPayClient().lookupPayRequest(session, base64Url) }
+                runCatching { BmlQrPayClient().lookupPayRequest(session, payTarget) }
-                catch (_: Exception) { null }
             }
             host?.setRefreshing(false)
+            val info = result.getOrNull()
             if (info == null) {
-                Toast.makeText(ctx, R.string.bml_qr_lookup_failed, Toast.LENGTH_LONG).show()
+                // An expired or rejected QR is BML telling us something specific — show its own
-                fragment.requireActivity().onBackPressedDispatcher.onBackPressed()
+                // 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

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

@@ -194,5 +194,6 @@ class FahipayTransferHandler(
             colorHex      = "#FF6B00",
             imageHash     = null
         )
+        fragment.focusAmount()
     }
 }

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

@@ -121,6 +121,7 @@ class MfaisaTransferHandler(
                 } else {
                     recipient = result
                     showResolvedRecipient(result)
+                    fragment.focusAmount()
                 }
             } catch (_: MfaisaRecipientNotFoundException) {
                 binding.tilTo.error = "No M-Faisa wallet found for this number"

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

@@ -212,6 +212,7 @@ class CredentialsFragment : Fragment() {
             val remaining = 30 - secondsInPeriod
 
             binding.tvOtpCode.text = otp
+            binding.tvNextOtpCode.text = Totp.generate(seed, periodOffset = 1)
             binding.otpTimer.max = 30
             binding.otpTimer.progress = remaining
             binding.cardOtp.visibility = View.VISIBLE

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

@@ -13,6 +13,8 @@ data class ContactDisplay(
     val network: TransferNetwork,
     val bankColor: String,
     val detail: String?,          // pre-formatted "Name · CCY · Bank" line; null = hide row
+    val bankName: String?,        // shown in the contact details sheet; null = hide row
+    val currency: String?,        // shown in the contact details sheet; null = hide row
     val imageHash: String?,
     val profileId: String,        // MIB profile ID or BML loginTag (needed by ContactManager)
     val transferSubtitle: String, // "Bank · accountNumber" shown in transfer screen

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

@@ -14,6 +14,11 @@ import javax.crypto.spec.GCMParameterSpec
 
 class CredentialStore(context: Context) {
 
+    companion object {
+        /** Same format as BankAccount.loginTag / MibCard.loginTag, e.g. "bml_<loginId>". */
+        fun loginKey(bank: String, loginId: String) = "${bank}_$loginId"
+    }
+
     private val prefs = context.getSharedPreferences("credential_store", Context.MODE_PRIVATE)
     private val keyAlias = "basedbank_credential_key"
     private val transformation = "AES/GCM/NoPadding"
@@ -23,6 +28,37 @@ class CredentialStore(context: Context) {
     data class FahipayCredentials(val idCard: String, val password: String)
     data class MfaisaCredentials(val msisdn: String, val pin: String)
 
+    // ── Cross-bank login order (keys are login tags, see loginKey) ──────────
+
+    /** User-chosen order of all logins; logins not yet ordered (e.g. newly added) follow, bank by bank. */
+    fun getLoginOrder(): List<String> {
+        val all = getMibLoginIds().map { loginKey("mib", it) } +
+            getBmlLoginIds().map { loginKey("bml", it) } +
+            getFahipayLoginIds().map { loginKey("fahipay", it) } +
+            getMfaisaLoginIds().map { loginKey("mfaisa", it) }
+        val saved = try {
+            val arr = org.json.JSONArray(prefs.getString("login_order", null) ?: "[]")
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+        return saved.filter { it in all } + all.filter { it !in saved }
+    }
+
+    /** Position of a login tag in [getLoginOrder]; unknown tags sort last. */
+    fun loginRank(): (String) -> Int {
+        val order = getLoginOrder()
+        return { tag -> order.indexOf(tag).let { if (it < 0) Int.MAX_VALUE else it } }
+    }
+
+    /** Saves the combined order and keeps each bank's own login list in the same relative order. */
+    fun setLoginOrder(keys: List<String>) {
+        prefs.edit().putString("login_order", org.json.JSONArray(keys).toString()).apply()
+        fun idsFor(bank: String) = keys.filter { it.startsWith("${bank}_") }.map { it.removePrefix("${bank}_") }
+        setMibLoginIds(idsFor("mib"))
+        setBmlLoginIds(idsFor("bml"))
+        setFahipayLoginIds(idsFor("fahipay"))
+        setMfaisaLoginIds(idsFor("mfaisa"))
+    }
+
     // ── MIB login credentials (multi-login, keyed by loginId = username) ─────
 
     fun getMibLoginIds(): List<String> {
@@ -36,6 +72,11 @@ class CredentialStore(context: Context) {
 
     fun hasMibCredentials(): Boolean = getMibLoginIds().isNotEmpty()
 
+    fun setMibLoginIds(order: List<String>) {
+        if (order.toSet() != getMibLoginIds().toSet()) return
+        prefs.edit().putString("mib_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addMibLoginId(loginId: String) {
         val ids = getMibLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -160,6 +201,11 @@ class CredentialStore(context: Context) {
 
     fun hasBmlCredentials(): Boolean = getBmlLoginIds().isNotEmpty()
 
+    fun setBmlLoginIds(order: List<String>) {
+        if (order.toSet() != getBmlLoginIds().toSet()) return
+        prefs.edit().putString("bml_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addBmlLoginId(loginId: String) {
         val ids = getBmlLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -316,6 +362,11 @@ class CredentialStore(context: Context) {
 
     fun hasFahipayCredentials(): Boolean = getFahipayLoginIds().isNotEmpty()
 
+    fun setFahipayLoginIds(order: List<String>) {
+        if (order.toSet() != getFahipayLoginIds().toSet()) return
+        prefs.edit().putString("fahipay_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addFahipayLoginId(loginId: String) {
         val ids = getFahipayLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -473,6 +524,11 @@ class CredentialStore(context: Context) {
 
     fun hasMfaisaCredentials(): Boolean = getMfaisaLoginIds().isNotEmpty()
 
+    fun setMfaisaLoginIds(order: List<String>) {
+        if (order.toSet() != getMfaisaLoginIds().toSet()) return
+        prefs.edit().putString("mfaisa_login_ids", org.json.JSONArray(order).toString()).apply()
+    }
+
     private fun addMfaisaLoginId(loginId: String) {
         val ids = getMfaisaLoginIds().toMutableList()
         if (loginId !in ids) {
@@ -764,6 +820,15 @@ class CredentialStore(context: Context) {
     fun setHiddenMibProfileIds(loginId: String, ids: Set<String>) =
         prefs.edit().putStringSet("mib_${loginId}_hidden_profile_ids", ids).apply()
 
+    // ── Per-account visibility (account numbers are globally unique) ─────────
+
+    /** Returns the set of account numbers the user has chosen to hide, across all logins. */
+    fun getHiddenAccountNumbers(): Set<String> =
+        prefs.getStringSet("hidden_account_numbers", emptySet()) ?: emptySet()
+
+    fun setHiddenAccountNumbers(accountNumbers: Set<String>) =
+        prefs.edit().putStringSet("hidden_account_numbers", accountNumbers).apply()
+
     // ── Crypto primitives ─────────────────────────────────────────────────────
 
     private fun getOrCreateKey(): SecretKey {

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.
+     * Returns the value to hand to the BML QR payment flow, or null when [raw] is not a BML QR.
-     * 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)
+     * Three shapes exist:
-     * rather than via regex, to avoid greedily consuming subsequent EMV tag bytes.
+     *  - 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? {
+    fun bmlQrPayTarget(raw: String): String? {
-        if (raw.startsWith("https://pay.bml.com.mv/app/")) return raw
+        if (raw.startsWith(BML_GATEWAY_PREFIX) || raw.startsWith(BML_EBANKING_PREFIX)) return raw
-        return try {
+        val ref = bmlQrReference(raw) ?: return null
-            val root = parseTlv(raw)
+        if (ref.startsWith("https://")) return ref.takeIf { it.startsWith(BML_GATEWAY_PREFIX) }
-            val bmlMerchantInfo = root["35"]?.let { parseTlv(it) } ?: return null
+        // A bare reference only means a BML POS QR when the supplementary domain says so; anything
-            val inner = bmlMerchantInfo["20"]?.let { parseTlv(it) } ?: return null
+        // else keeps falling through to the PayMV parse, as it did before POS QRs existed.
-            inner["01"]?.takeIf { it.startsWith("https://pay.bml.com.mv/app/") }
+        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/Totp.kt

@@ -9,10 +9,11 @@ object Totp {
     /**
      * Generate a 6-digit TOTP code from a Base32-encoded secret (RFC 6238 / RFC 4226).
      * Uses HmacSHA1, 30-second window, 6 digits — matching standard authenticator apps.
+     * [periodOffset] shifts the time window, e.g. 1 yields the next code.
      */
-    fun generate(base32Secret: String, digits: Int = 6, periodSeconds: Long = 30): String {
+    fun generate(base32Secret: String, digits: Int = 6, periodSeconds: Long = 30, periodOffset: Long = 0): String {
         val key = base32Decode(base32Secret.uppercase().replace(" ", "").replace("-", ""))
-        val counter = System.currentTimeMillis() / 1000L / periodSeconds
+        val counter = System.currentTimeMillis() / 1000L / periodSeconds + periodOffset
         val otp = hotp(key, counter, digits)
         return otp.toString().padStart(digits, '0')
     }

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

@@ -15,6 +15,8 @@ object BmlContactParser {
         network          = TransferNetwork.BML,
         bankColor        = contact.bankColor,
         detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+        bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+        currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
         imageHash        = contact.customerImgHash,
         profileId        = contact.profileId,
         transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",

app/src/main/java/sh/sar/basedbank/util/fahipayapi/FahipayContactParser.kt

@@ -15,6 +15,8 @@ object FahipayContactParser {
         network          = TransferNetwork.FAHIPAY,
         bankColor        = contact.bankColor,
         detail           = null,   // Fahipay contacts show no detail line
+        bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+        currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
         imageHash        = contact.customerImgHash,
         profileId        = contact.profileId,
         transferSubtitle = contact.benefAccount,

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

@@ -21,6 +21,8 @@ object MibContactParser {
             network          = network,
             bankColor        = contact.bankColor,
             detail           = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}",
+            bankName         = contact.benefBankName.takeIf { it.isNotBlank() },
+            currency         = contact.transferCyDesc.takeIf { it.isNotBlank() },
             imageHash        = contact.customerImgHash,
             profileId        = contact.profileId,
             transferSubtitle = "${contact.benefBankName} · ${contact.benefAccount}",

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/black"
+        android:pathData="M11.8,10.9c-2.27,-0.59 -3,-1.2 -3,-2.15 0,-1.09 1.01,-1.85 2.7,-1.85 1.78,0 2.44,0.85 2.5,2.1h2.21c-0.07,-1.72 -1.12,-3.3 -3.21,-3.81V3h-3v2.16c-1.94,0.42 -3.5,1.68 -3.5,3.61 0,2.31 1.91,3.46 4.7,4.13 2.5,0.6 3,1.48 3,2.41 0,0.69 -0.49,1.79 -2.7,1.79 -2.06,0 -2.87,-0.92 -2.98,-2.1h-2.2c0.12,2.19 1.76,3.42 3.68,3.83V21h3v-2.15c1.95,-0.37 3.5,-1.5 3.5,-3.55 0,-2.84 -2.43,-3.61 -4.7,-4.2z" />
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="@android:color/black"
+        android:pathData="M3,11h8V3H3V11zM5,5h4v4H5V5zM3,21h8v-8H3V21zM5,15h4v4H5V15zM13,3v8h8V3H13zM19,9h-4V5h4V9zM19,19h2v2h-2V19zM13,13h2v2h-2V13zM15,15h2v2h-2V15zM13,17h2v2h-2V17zM15,19h2v2h-2V19zM17,17h2v2h-2V17zM17,13h2v2h-2V13zM19,15h2v2h-2V15z" />
+</vector>

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

@@ -0,0 +1,10 @@
+<?xml version="1.0" encoding="utf-8"?>
+<vector xmlns:android="http://schemas.android.com/apk/res/android"
+    android:width="24dp"
+    android:height="24dp"
+    android:viewportWidth="24"
+    android:viewportHeight="24">
+    <path
+        android:fillColor="?attr/colorOnSurfaceVariant"
+        android:pathData="M4,7h16v2H4V7zM4,11h16v2H4v-2zM4,15h16v2H4v-2z"/>
+</vector>

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

@@ -175,6 +175,32 @@
 
                 </LinearLayout>
 
+                <LinearLayout
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginEnd="16dp"
+                    android:orientation="vertical"
+                    android:gravity="end"
+                    android:alpha="0.7">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Next"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnSecondaryContainer" />
+
+                    <TextView
+                        android:id="@+id/tvNextOtpCode"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceTitleMedium"
+                        android:textColor="?attr/colorOnSecondaryContainer"
+                        android:letterSpacing="0.1"
+                        android:fontFamily="monospace" />
+
+                </LinearLayout>
+
                 <com.google.android.material.progressindicator.CircularProgressIndicator
                     android:id="@+id/otpTimer"
                     android:layout_width="32dp"

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

@@ -1,15 +1,44 @@
 <?xml version="1.0" encoding="utf-8"?>
-<LinearLayout
+<FrameLayout
     xmlns:android="http://schemas.android.com/apk/res/android"
     android:layout_width="match_parent"
-    android:layout_height="match_parent"
+    android:layout_height="match_parent">
-    android:orientation="vertical">
 
     <androidx.recyclerview.widget.RecyclerView
         android:id="@+id/recyclerView"
         android:layout_width="match_parent"
         android:layout_height="match_parent"
         android:paddingTop="16dp"
+        android:paddingBottom="16dp"
         android:clipToPadding="false" />
 
-</LinearLayout>
+    <LinearLayout
+        android:id="@+id/emptyState"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="center"
+        android:gravity="center_horizontal"
+        android:orientation="vertical"
+        android:padding="32dp"
+        android:visibility="gone">
+
+        <ImageView
+            android:layout_width="56dp"
+            android:layout_height="56dp"
+            android:layout_marginBottom="12dp"
+            android:alpha="0.6"
+            android:importantForAccessibility="no"
+            android:src="@drawable/ic_nav_otp"
+            android:tint="?attr/colorOnSurfaceVariant" />
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:gravity="center"
+            android:text="No OTP codes yet.\nAdd an MIB or BML login to see its codes here."
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+    </LinearLayout>
+
+</FrameLayout>

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

@@ -95,6 +95,7 @@
 
     <!-- Include phone number toggle -->
     <LinearLayout
+        android:id="@+id/layoutIncludePhone"
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="horizontal"

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

@@ -9,7 +9,8 @@
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="16dp">
+        android:padding="16dp"
+        android:clipToPadding="false">
 
         <TextView
             android:id="@+id/tvLoginsTitle"
@@ -20,10 +21,12 @@
             android:layout_marginBottom="8dp"
             android:visibility="gone" />
 
+        <!-- Rows pad back the negative margin so the tap/drag highlight has a gap around the content -->
         <LinearLayout
             android:id="@+id/loginsContainer"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
+            android:layout_marginHorizontal="-12dp"
             android:orientation="vertical" />
 
         <com.google.android.material.button.MaterialButton

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

@@ -148,12 +148,16 @@
                         app:endIconDrawable="@android:drawable/ic_menu_search"
                         app:endIconContentDescription="@string/transfer_lookup_account">
 
-                        <com.google.android.material.textfield.TextInputEditText
+                        <com.google.android.material.textfield.MaterialAutoCompleteTextView
                             android:id="@+id/etTo"
+                            style="@style/Widget.Material3.AutoCompleteTextView.OutlinedBox"
                             android:layout_width="match_parent"
                             android:layout_height="wrap_content"
                             android:inputType="textNoSuggestions"
-                            android:maxLines="1" />
+                            android:maxLines="1"
+                            android:completionThreshold="3"
+                            android:dropDownHeight="wrap_content"
+                            android:imeOptions="actionSearch" />
 
                     </com.google.android.material.textfield.TextInputLayout>
 

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

@@ -4,6 +4,7 @@
     xmlns:app="http://schemas.android.com/apk/res-auto"
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
+    android:background="?attr/selectableItemBackground"
     android:paddingHorizontal="16dp"
     android:paddingVertical="10dp">
 
@@ -26,25 +27,6 @@
         app:layout_constraintTop_toTopOf="parent"
         app:layout_constraintBottom_toBottomOf="parent">
 
-        <ImageButton
-            android:id="@+id/btnEditContact"
-            android:layout_width="36dp"
-            android:layout_height="36dp"
-            android:background="?attr/selectableItemBackgroundBorderless"
-            android:src="@drawable/ic_edit"
-            android:padding="6dp"
-            android:contentDescription="@string/contact_edit" />
-
-        <ImageButton
-            android:id="@+id/btnDeleteContact"
-            android:layout_width="36dp"
-            android:layout_height="36dp"
-            android:background="?attr/selectableItemBackgroundBorderless"
-            android:src="@drawable/ic_delete"
-            android:padding="6dp"
-            android:tint="?attr/colorError"
-            android:contentDescription="@string/contact_delete" />
-
         <ImageButton
             android:id="@+id/btnTransferContact"
             android:layout_width="36dp"

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

@@ -2,56 +2,164 @@
 <com.google.android.material.card.MaterialCardView
     xmlns:android="http://schemas.android.com/apk/res/android"
     xmlns:app="http://schemas.android.com/apk/res-auto"
+    style="@style/Widget.Material3.CardView.Filled"
     android:layout_width="match_parent"
     android:layout_height="wrap_content"
     android:layout_marginHorizontal="16dp"
     android:layout_marginBottom="12dp"
     android:clickable="true"
     android:focusable="true"
-    app:cardCornerRadius="16dp"
+    app:cardCornerRadius="24dp">
-    app:cardElevation="2dp">
 
     <LinearLayout
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="20dp">
+        android:paddingHorizontal="20dp"
+        android:paddingTop="16dp"
+        android:paddingBottom="12dp">
+
+        <!-- Header: logo, bank + holder name, countdown ring -->
+        <LinearLayout
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <com.google.android.material.imageview.ShapeableImageView
+                android:id="@+id/ivBankLogo"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:layout_marginEnd="12dp"
+                android:scaleType="fitCenter"
+                app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvOtpBank"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceTitleSmall"
+                    android:textColor="?attr/colorOnSurface" />
 
                 <TextView
                     android:id="@+id/tvOtpLabel"
                     android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:ellipsize="end"
-            android:textColor="?attr/colorOnSurfaceVariant"
+                    android:maxLines="1"
-            android:layout_marginBottom="8dp" />
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
 
-        <TextView
+            </LinearLayout>
-            android:id="@+id/tvOtpCode"
+
+            <FrameLayout
+                android:layout_width="40dp"
+                android:layout_height="40dp">
+
+                <com.google.android.material.progressindicator.CircularProgressIndicator
+                    android:id="@+id/otpProgress"
                     android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-            android:textAppearance="?attr/textAppearanceDisplaySmall"
+                    android:layout_gravity="center"
-            android:textColor="?attr/colorPrimary"
+                    android:indeterminate="false"
-            android:fontFamily="monospace"
-            android:letterSpacing="0.15"
-            android:layout_marginBottom="16dp" />
-
-        <com.google.android.material.progressindicator.LinearProgressIndicator
-            android:id="@+id/otpProgress"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
                     android:max="30"
-            app:trackCornerRadius="4dp"
+                    app:indicatorSize="40dp"
+                    app:trackThickness="3dp"
+                    app:trackCornerRadius="2dp"
                     app:indicatorColor="?attr/colorPrimary"
-            app:trackColor="?attr/colorSurfaceVariant" />
+                    app:trackColor="?attr/colorOutlineVariant" />
 
                 <TextView
                     android:id="@+id/tvOtpCountdown"
                     android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-            android:layout_marginTop="6dp"
+                    android:layout_gravity="center"
-            android:textAppearance="?attr/textAppearanceLabelSmall"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
                     android:textColor="?attr/colorOnSurfaceVariant" />
 
+            </FrameLayout>
+
+        </LinearLayout>
+
+        <!-- Current code + copy -->
+        <LinearLayout
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="12dp"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <TextView
+                android:id="@+id/tvOtpCode"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:fontFamily="monospace"
+                android:letterSpacing="0.12"
+                android:textAppearance="?attr/textAppearanceDisplaySmall"
+                android:textColor="?attr/colorPrimary"
+                android:textStyle="bold" />
+
+            <Button
+                android:id="@+id/btnCopyOtp"
+                style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:contentDescription="Copy OTP"
+                android:tooltipText="Copy OTP"
+                app:icon="@drawable/ic_copy" />
+
+        </LinearLayout>
+
+        <com.google.android.material.divider.MaterialDivider
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="8dp"
+            android:layout_marginBottom="4dp" />
+
+        <!-- Next code + copy -->
+        <LinearLayout
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:gravity="center_vertical">
+
+            <TextView
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginEnd="8dp"
+                android:text="Next"
+                android:textAppearance="?attr/textAppearanceLabelMedium"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvNextOtpCode"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:fontFamily="monospace"
+                android:letterSpacing="0.1"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <Button
+                android:id="@+id/btnCopyNextOtp"
+                style="@style/Widget.Material3.Button.IconButton"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:contentDescription="Copy next OTP"
+                android:tooltipText="Copy next OTP"
+                app:icon="@drawable/ic_copy"
+                app:iconTint="?attr/colorOnSurfaceVariant" />
+
+        </LinearLayout>
+
     </LinearLayout>
 
 </com.google.android.material.card.MaterialCardView>

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

@@ -0,0 +1,448 @@
+<?xml version="1.0" encoding="utf-8"?>
+<androidx.core.widget.NestedScrollView
+    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="wrap_content">
+
+    <LinearLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingBottom="24dp">
+
+        <com.google.android.material.bottomsheet.BottomSheetDragHandleView
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content" />
+
+        <com.google.android.material.imageview.ShapeableImageView
+            android:id="@+id/ivPhoto"
+            android:layout_width="112dp"
+            android:layout_height="112dp"
+            android:layout_gravity="center_horizontal"
+            android:scaleType="centerCrop"
+            app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+        <TextView
+            android:id="@+id/tvName"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="16dp"
+            android:gravity="center_horizontal"
+            android:paddingHorizontal="24dp"
+            android:textAppearance="?attr/textAppearanceHeadlineSmall"
+            android:textColor="?attr/colorOnSurface" />
+
+        <LinearLayout
+            android:id="@+id/actionRow"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="20dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="16dp">
+
+            <LinearLayout
+                android:id="@+id/actionTransfer"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnTransfer"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/transfer"
+                    app:icon="@drawable/ic_send"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/transfer"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionQr"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnQr"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_qr"
+                    app:icon="@drawable/ic_qr_code"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:id="@+id/tvQrLabel"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_qr"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionEdit"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnEdit"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_edit"
+                    app:icon="@drawable/ic_edit"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_edit"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <LinearLayout
+                android:id="@+id/actionDelete"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:gravity="center_horizontal"
+                android:orientation="vertical">
+
+                <com.google.android.material.button.MaterialButton
+                    android:id="@+id/btnDelete"
+                    style="@style/Widget.Material3.Button.IconButton.Filled.Tonal"
+                    android:layout_width="56dp"
+                    android:layout_height="56dp"
+                    android:contentDescription="@string/contact_delete"
+                    app:backgroundTint="?attr/colorErrorContainer"
+                    app:icon="@drawable/ic_delete"
+                    android:insetLeft="0dp"
+                    android:insetTop="0dp"
+                    android:insetRight="0dp"
+                    android:insetBottom="0dp"
+                    android:padding="0dp"
+                    app:iconGravity="textStart"
+                    app:iconPadding="0dp"
+                    app:iconSize="24dp"
+                    app:iconTint="?attr/colorOnErrorContainer" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginTop="4dp"
+                    android:gravity="center"
+                    android:text="@string/contact_delete"
+                    android:textAppearance="?attr/textAppearanceLabelMedium"
+                    android:textColor="?attr/colorError" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <com.google.android.material.divider.MaterialDivider
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="20dp"
+            android:layout_marginBottom="8dp" />
+
+        <LinearLayout
+            android:id="@+id/rowAccount"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_manage_card"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvAccount"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_account_number"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+            <ImageButton
+                android:id="@+id/btnShareAccount"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:contentDescription="@string/contact_share_account"
+                android:padding="8dp"
+                android:src="@drawable/ic_share"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <ImageButton
+                android:id="@+id/btnCopyAccount"
+                android:layout_width="40dp"
+                android:layout_height="40dp"
+                android:background="?attr/selectableItemBackgroundBorderless"
+                android:contentDescription="@string/contact_copy_account"
+                android:padding="8dp"
+                android:src="@drawable/ic_copy"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowRealName"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_contacts"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvRealName"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_account_name"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowCurrency"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_currency"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvCurrency"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_currency"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/rowBank"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:background="?attr/selectableItemBackground"
+            android:gravity="center_vertical"
+            android:minHeight="64dp"
+            android:orientation="horizontal"
+            android:paddingHorizontal="24dp"
+            android:paddingVertical="8dp">
+
+            <ImageView
+                android:id="@+id/ivBankIcon"
+                android:layout_width="24dp"
+                android:layout_height="24dp"
+                android:importantForAccessibility="no"
+                android:src="@drawable/ic_nav_finances"
+                app:tint="?attr/colorOnSurfaceVariant" />
+
+            <LinearLayout
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="24dp"
+                android:layout_weight="1"
+                android:orientation="vertical">
+
+                <TextView
+                    android:id="@+id/tvBank"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyLarge"
+                    android:textColor="?attr/colorOnSurface"
+                    android:textIsSelectable="false" />
+
+                <TextView
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:text="@string/contact_bank"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sourceSection"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:visibility="gone">
+
+            <com.google.android.material.divider.MaterialDivider
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginVertical="8dp" />
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:gravity="center_vertical"
+                android:minHeight="56dp"
+                android:orientation="horizontal"
+                android:paddingHorizontal="24dp"
+                android:paddingVertical="8dp">
+
+                <ImageView
+                    android:id="@+id/ivSourceIcon"
+                    android:layout_width="24dp"
+                    android:layout_height="24dp"
+                    android:importantForAccessibility="no" />
+
+                <LinearLayout
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="24dp"
+                    android:layout_weight="1"
+                    android:orientation="vertical">
+
+                    <TextView
+                        android:id="@+id/tvSource"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceBodyMedium"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                    <TextView
+                        android:id="@+id/tvSourceBank"
+                        android:layout_width="match_parent"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceBodySmall"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                </LinearLayout>
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+</androidx.core.widget.NestedScrollView>

app/src/main/res/values-b+dv/strings.xml

@@ -145,4 +145,5 @@
     <!-- Connectivity banner -->
     <string name="connectivity_no_internet">އިންޓަނެޓް ބައްލަވާ، ދެން ތިޖޫރީ ލޯޑް ކުރޭ</string>
     <string name="connectivity_server_error">%s އާ ގުޅުމުގައި މައްސަލައެއް</string>
+    <string name="drag_to_reorder">ދަމާ ތަރުތީބު ބަދަލުކުރޭ</string>
 </resources>

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

@@ -332,6 +332,14 @@
     <string name="contact_delete_message">Remove %s from your contacts?</string>
     <string name="contact_deleted">Contact deleted</string>
     <string name="contact_delete_failed">Could not delete contact</string>
+    <string name="contact_account_number">Account number</string>
+    <string name="contact_account_name">Account name</string>
+    <string name="contact_bank">Bank</string>
+    <string name="contact_qr">QR</string>
+    <string name="contact_delete_warning">This can\'t be undone.</string>
+    <string name="contact_copy_account">Copy account number</string>
+    <string name="contact_share_account">Share account details</string>
+    <string name="contact_account_copied">Account number copied</string>
 
     <!-- Financing -->
     <string name="financing_empty">No financing deals found</string>
@@ -391,4 +399,5 @@
     <!-- Connectivity banner -->
     <string name="connectivity_no_internet">Please check your connection and reload Thijooree</string>
     <string name="connectivity_server_error">Connectivity issue with %s</string>
+    <string name="drag_to_reorder">Drag to reorder</string>
 </resources>

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

@@ -1,6 +1,16 @@
 <resources xmlns:tools="http://schemas.android.com/tools">
     <style name="ShapeAppearance.Circle" parent="ShapeAppearance.Material3.Corner.Full" />
 
+    <!-- Destructive confirmation dialog: centered icon/title, filled red confirm button -->
+    <style name="ThemeOverlay.BasedBank.DestructiveDialog" parent="ThemeOverlay.Material3.MaterialAlertDialog.Centered">
+        <item name="buttonBarPositiveButtonStyle">@style/Widget.BasedBank.DestructiveDialogButton</item>
+    </style>
+
+    <style name="Widget.BasedBank.DestructiveDialogButton" parent="Widget.Material3.Button">
+        <item name="backgroundTint">?attr/colorError</item>
+        <item name="android:textColor">?attr/colorOnError</item>
+    </style>
+
     <style name="Theme.BasedBank" parent="Theme.Material3.DayNight.NoActionBar">
         <item name="colorPrimary">@color/seed_primary</item>
         <item name="colorSecondary">@color/seed_secondary</item>

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)

docs/thijooree/00-app-overview.md

@@ -155,6 +155,15 @@ When the timeout expires a 10-second countdown warning dialog appears. If dismis
 
 Each stored profile has a visibility flag. Hidden profiles are excluded from the accounts list and from all API refresh cycles until re-enabled in Settings → Logins.
 
+### Login Order
+
+The user sets the order of their logins in [Settings → Logins](14-settings.md#login-order). It applies everywhere accounts are listed:
+
+- `HomeViewModel.accounts` and `HomeViewModel.mibCards` sort themselves by `CredentialStore.loginRank()` on every `setValue` / `postValue`, so every observer (accounts list, transfer dropdown, contact picker "My accounts", PayMV QR, BML QR pay, transfer history, BML loans in Financing) gets the same order with no per-screen sorting. The sort is stable, so accounts from the same login keep the order the bank returned them in.
+- Combined MIB + BML card lists (dashboard stack, [Cards](22-cards.md)) are sorted by `CardItem.loginTag`.
+- [Financing](13-financing.md) places the MIB and BML sections by whichever bank's first login ranks higher.
+- The [OTP Screen](10-otp-screen.md) sorts its entries by login.
+
 ---
 
 ## MIB Session KeepAlive

docs/thijooree/10-otp-screen.md

@@ -13,10 +13,13 @@ Hosts one card per enrolled bank authenticator. Banks with no stored TOTP seed a
 ## TOTP Display
 
 Each card shows:
-- Bank logo and name
+- Bank logo, bank name and account holder name
-- The current 6-digit TOTP code (large text)
+- A circular countdown ring with the seconds left in the current 30-second window; the ring and code turn red in the last 5 seconds
-- A circular countdown ring showing time remaining in the current 30-second window
+- The current 6-digit TOTP code (large text) with a copy button
-- The code refreshes automatically when the window expires — no user interaction needed
+- The next window's code (smaller, below a divider) with its own copy button — handy when the current code is about to expire
+- The codes refresh automatically when the window expires — no user interaction needed
+
+Tapping anywhere on the card also copies the current code. If no logins have a seed, an empty-state message is shown instead.
 
 ### Algorithm
 
@@ -30,14 +33,14 @@ Standard RFC 6238 TOTP:
 
 ## Supported Banks
 
-One card is rendered for every MIB and every BML login that has a stored OTP seed (`OtpFragment.kt:93-98`). Seeds are per-`loginId` in `CredentialStore`.
+One card is rendered for every MIB and every BML login that has a stored OTP seed (`OtpFragment.kt`), sorted by the user's [login order](00-app-overview.md#login-order). Seeds are per-`loginId` in `CredentialStore`.
 
-| Bank | Seed source | Card label |
+| Bank | Seed source | Card title / subtitle |
 |---|---|---|
-| MIB | `loadMibCredentials(loginId).otpSeed` (entered at login) | `"MIB · {fullName}"` |
+| MIB | `loadMibCredentials(loginId).otpSeed` (entered at login) | `MIB` / `{fullName}` |
-| BML | `loadBmlCredentials(loginId).otpSeed` (entered at login) | `"BML · {fullName}"` |
+| BML | `loadBmlCredentials(loginId).otpSeed` (entered at login) | `BML` / `{fullName}` |
 
-If no full name has been cached the label falls back to plain `"MIB"` / `"BML"` and a background `MibProfileClient.fetchPersonalProfile()` / `BmlAccountClient.fetchUserInfo()` call refreshes it.
+If no full name has been cached the subtitle falls back to `"Authenticator"` and a background `MibProfileClient.fetchPersonalProfile()` / `BmlAccountClient.fetchUserInfo()` call refreshes it.
 
 ---
 

docs/thijooree/12-bml-qr-pay.md

@@ -2,7 +2,9 @@
 
 > **This flow no longer lives in a dedicated fragment.** `BmlQrPayFragment.kt` still exists as a source file but is unreachable — no callers, no nav graph entry, no intent action routes here. The actual BML gateway QR flow runs inside `TransferFragment` via `TransferFragment.newInstanceFromBmlQr(qrUrl, fromAccountNumber)`. See [Transfer Flows — BML QR Merchant Payment Flow](20-transfer-flows.md).
 
-The on-the-wire payment protocol is unchanged — see [BML QR Payment API](../bmlapi/13-qr-payment.md) for the 3-step TOTP flow (`approve` → `channel: token` → `otp`).
+The on-the-wire payment protocol is unchanged — see [BML QR Payment API](../bmlapi/13-qr-payment.md) for the 3-step TOTP flow (`approve` → `channel: token` → `otp`), and [Transfer Flows — BML QR Merchant Payment Flow](20-transfer-flows.md#bml-qr-merchant-payment-flow) for the three QR sub-modes the live path handles.
+
+Two differences remain in the stale fragment, should it ever be revived: it calls `lookupPayRequest()` with the scanned URL only (no `PaymvQrParser.bmlPayRequestKey()`, so POS QRs would not resolve), and it swallows every lookup error into the hardcoded `bml_qr_lookup_failed` toast instead of surfacing BML's own message.
 
 ---
 

docs/thijooree/13-financing.md

@@ -8,6 +8,8 @@ Aggregates financing products across banks — MIB promotional deals and BML loa
 
 Observes `HomeViewModel.financing` (MIB deals) and `HomeViewModel.bmlLoanDetails`.
 
+MIB deals carry no login tag, so the two sections are ordered as blocks: MIB first if the first MIB login ranks above the first BML login in the user's [login order](00-app-overview.md#login-order), otherwise BML first. BML loans within their section follow `HomeViewModel.accounts`, which is already in login order.
+
 ---
 
 ## MIB Deals Section

docs/thijooree/14-settings.md

@@ -33,6 +33,20 @@ Each profile entry shows:
 - Profile image (circular avatar)
 - Visibility toggle switch
 
+### Login Order
+
+All logins are shown as one list, across banks. When there is more than one login, each row gets a three-line handle (`ic_reorder_lines`) on the right; press and drag it to move the login up or down (`SettingsLoginsFragment.attachDragHandle()`). Tapping the rest of the row still opens the login details.
+
+On drop the order is saved with `CredentialStore.setLoginOrder()`, which:
+- writes the combined order to the `login_order` pref as a JSON array of login tags (`mib_<id>`, `bml_<id>`, `fahipay_<id>`, `mfaisa_<id>` — the same format as `BankAccount.loginTag`)
+- rewrites each bank's own list (`mib_login_ids`, `bml_login_ids`, …) in the same relative order, so code that walks one bank's logins stays consistent
+
+It then calls `HomeViewModel.resortByLoginOrder()` so already-open screens re-sort immediately.
+
+`CredentialStore.getLoginOrder()` returns the effective order: saved tags that still exist, followed by any logins not yet ordered (e.g. newly added) in the default MIB → BML → Fahipay → M-Faisa order. `loginRank()` turns that into a sort key; unknown tags sort last.
+
+See [Login Order](00-app-overview.md#login-order) for where the order is applied.
+
 ### Visibility Toggle
 
 Toggling a profile off hides it from the accounts list and excludes it from API refresh cycles. The session is kept alive — the profile can be re-enabled without re-logging in.

docs/thijooree/18-paymv-qr-format.md

@@ -28,12 +28,13 @@ Tags and lengths are always exactly 2 decimal digits. Fields are concatenated di
 | `00` | Format indicator | Always `"01"` |
 | `01` | Point-of-initiation method | `"11"` = static QR, `"12"` = dynamic QR |
 | `26` | Merchant account information | Container — see sub-tags below |
-| `35` | BML/gateway merchant info | Container — present in combined EMV+BML QRs only |
+| `35` | BML/gateway merchant info | Container — present in combined EMV+BML QRs and in BML POS QRs |
 | `52` | Merchant category code | `"0000"` (generic) |
 | `53` | Transaction currency | `"462"` = MVR (ISO 4217 numeric) |
 | `54` | Transaction amount | Decimal string (e.g. `"1.50"`); absent for open-amount QRs |
 | `58` | Country code | `"MV"` |
 | `59` | Merchant / recipient name | Max 25 characters |
+| `60` | Merchant city / store code | BML POS QRs only |
 | `62` | Additional data field | Container — see sub-tags below |
 | `63` | CRC | `6304` prefix + 4-char hex checksum — always last |
 | `80` | Supplementary data | Container — timestamp and domain |
@@ -153,6 +154,67 @@ The value at sub-sub-tag `01` is a full `https://pay.bml.com.mv/app/...` URL. Ex
 
 Plain BML QR codes (not combined) start with `https://pay.bml.com.mv/app/` directly.
 
+`PaymvQrParser.bmlQrPayTarget()` covers all of these: it returns the URL for plain URL QRs and for
+combined QRs, the whole EMV payload for POS QRs (below, recognised by the `mv.com.bml.qtr`
+supplementary domain), and null for everything else — PayMV QRs keep falling through to `parse()`.
+
+---
+
+## BML POS QR (`mv.com.bml.qtr`)
+
+BML POS terminals emit a third shape — an EMVCo-style dynamic QR whose supplementary data domain
+(tag `80` → `00`) is `mv.com.bml.qtr` and which has **no tag `26`**, so there is no PayMV account
+number to transfer to. The same `35` → `20` container is used as in combined QRs, but sub-tag `01`
+holds a bare reference instead of a URL.
+
+Example (CRC verified, same CRC-16/CCITT-FALSE as above):
+
+```
+00020101021235752071000202013502:215c7b9f15ce4ed28e15697ea976db9902109809724081030874009538520400005303462540436005802MV5911BEST BANANA6006LD044262220510dtyams497d0804POPE80470014mv.com.bml.qtr01252026-09-21T13:33:22.00000630443FA
+```
+
+| TLV path | Value | Notes |
+|---|---|---|
+| `00` | `01` | Format indicator |
+| `01` | `12` | Dynamic QR |
+| `35`→`20`→`00` | `02` | Version / format of the container (combined QRs use the URL form) |
+| `35`→`20`→`01` | `02:215c7b9f15ce4ed28e15697ea976db99` | Payment reference — `<type>:<32 hex>` |
+| `35`→`20`→`02` | `9809724081` | Merchant identifier (10 digits) |
+| `35`→`20`→`03` | `74009538` | Terminal identifier (8 digits) |
+| `52` | `0000` | MCC |
+| `53` | `462` | MVR |
+| `54` | `3600` | Amount — **no decimal point**, unlike PayMV's `"1.50"` |
+| `58` / `59` / `60` | `MV` / `BEST BANANA` / `LD0442` | Country, merchant name, merchant city/store code |
+| `62`→`05` | `dtyams497d` | Reference / bill number |
+| `62`→`08` | `POPE` | Purpose / terminal label |
+| `80`→`00` | `mv.com.bml.qtr` | Domain — identifies the POS format |
+| `80`→`01` | `2026-09-21T13:33:22.00000` | Timestamp |
+
+### Pay-Request Lookup Key
+
+The lookup key is the **bare reference**, Base64-encoded without padding:
+
+```
+GET .../walletpayments/payrequest/MDI6MjE1YzdiOWYxNWNlNGVkMjhlMTU2OTdlYTk3NmRiOTk
+```
+
+BML's own app omits the `=` padding, so `BmlQrPayClient.lookupPayRequest()` encodes with
+`NO_WRAP or NO_PADDING` for every QR type; the padded form resolves too. What the request *must*
+carry is `accept: application/json` — see
+[QR Payment → Step 1 headers](../bmlapi/13-qr-payment.md#headers).
+
+Confirmed against the live API (the example QR had already expired, so BML answered `103` rather
+than with merchant details — but `103` means the reference itself resolved):
+
+| Key tried | Response |
+|---|---|
+| `02:215c7b9f15ce4ed28e15697ea976db99` | `103` — "The payment request has expired" ✅ recognised |
+| the whole EMV payload | `112` — "Unsupported payment link" ❌ |
+| `https://pay.bml.com.mv/app/02:215c…` | `103` — recognised too; the host itself 400s on that path, so the backend must strip the prefix |
+
+`PaymvQrParser.bmlPayRequestKey()` returns the URL for URL QRs and the reference for POS QRs, so
+exactly one request is made either way.
+
 ---
 
 ## Example Payload

docs/thijooree/20-transfer-flows.md

@@ -13,7 +13,7 @@ The transfer screen (`TransferFragment`) handles all outgoing payments across MI
 | `newInstance(accountNumber, displayName, subtitle, colorHex, imageHash)` | Pre-fills the "To" card from a contact, recents pick, or About → Donate |
 | `newInstanceFrom(account: BankAccount)` | Pre-selects the given account in the "From" dropdown |
 | `newInstanceFromQr(accountNumber, displayName, amount, remarks, fromAccountNumber?)` | Pre-fills recipient + optional amount/remarks from a PayMV QR scan |
-| `newInstanceFromBmlQr(qrUrl, fromAccountNumber?)` | BML card/gateway QR merchant payment mode — locks recipient, may pre-fill amount |
+| `newInstanceFromBmlQr(qrUrl, fromAccountNumber?)` | BML card/gateway/POS QR merchant payment mode — locks recipient, may pre-fill amount |
 | `newInstanceWithAutoScan()` | Opens the [QR scanner](25-qr-scanner.md) immediately on load |
 
 ---
@@ -215,22 +215,29 @@ If channel fetch fails or returns empty, the flow is aborted and the form is re-
 
 ## BML QR Merchant Payment Flow
 
-Triggered when the transfer screen is opened via `newInstanceFromBmlQr()` or when a BML ebanking/pay.bml URL is scanned from the QR scanner.
+Triggered when the transfer screen is opened via `newInstanceFromBmlQr()`, which every scanner caller reaches through `PaymvQrParser.bmlQrPayTarget(raw)` — it returns the value to pay with, or null for a QR that is not BML's.
 
-Two sub-modes:
+Three sub-modes:
 
-| Mode | Trigger | Extra step |
+| Mode | `bmlQrPayTarget()` returns | Extra step |
 |---|---|---|
-| Static card QR | URL starts with `https://ebanking.bankofmaldives.com.mv/qrpay/` | None |
+| Static card QR | the QR text, when it starts with `https://ebanking.bankofmaldives.com.mv/qrpay/` | None |
-| Gateway QR | URL starts with `https://pay.bml.com.mv/app/` | `BmlQrPayClient.preInitiatePayment()` required before initiate |
+| Gateway QR | the QR text, or the URL at TLV `35`→`20`→`01` in a combined EMV QR | `BmlQrPayClient.preInitiatePayment()` required before initiate |
+| POS QR | the whole EMV payload, for QRs whose tag `80`→`00` domain is `mv.com.bml.qtr` | Treated as a gateway QR — see the note below |
+
+`BmlTransferHandler.lookupQrMerchant()` passes that value through `PaymvQrParser.bmlPayRequestKey()`, which hands the URL to the lookup for URL QRs and the bare `35`→`20`→`01` reference for POS QRs. See [PayMV QR Format — BML POS QR](18-paymv-qr-format.md#bml-pos-qr-mvcombmlqtr).
 
 Flow:
-1. `lookupBmlQrMerchant()` — fetches merchant info via `BmlQrPayClient.lookupPayRequest()`. Locks the "To" row.
+1. `lookupQrMerchant()` — fetches merchant info via `BmlQrPayClient.lookupPayRequest()`. Locks the "To" row.
 2. For dynamic QRs (`info.amount > 0`), pre-fills the amount and locks the amount field.
 3. Remarks field is locked (not applicable for merchant payments).
 4. On confirm: TOTP is generated, then `initiatePayment()` → (for gateway QR: `preInitiatePayment()` first) → `confirmPayment()` with a fresh TOTP.
 5. On success: a success dialog is shown (no receipt saved). Back-press returns to previous screen.
 
+**Lookup failure:** the user stays on the Transfer screen with the "To" row restored via `resetToFieldVisibility()` — the screen is no longer popped. When BML answered with `success: false`, its own wording is toasted (`BmlQrPayLookupException.message`, e.g. "The payment request has expired"); network, empty and non-JSON responses fall back to the `bml_qr_lookup_failed` string.
+
+> **Unverified:** POS QRs are treated as gateway QRs (pre-initiate before initiate) because they carry a preset amount. No POS payment has been completed end-to-end yet — the reference captured for testing had already expired.
+
 ---
 
 ## Transfer Button Enable Conditions
@@ -238,7 +245,7 @@ Flow:
 The transfer button is only enabled when all of the following are true:
 
 - A source account is selected
-- A recipient is resolved (`resolvedAccountNumber` not blank, or `bmlQrInfo` is set)
+- A recipient is resolved (`resolvedAccountNumber` not blank, or the BML handler's `qrInfo` is set)
 - Amount is greater than `0`
 - No connectivity error for `NO_INTERNET` or for the source bank
 

docs/thijooree/21-dashboard.md

@@ -29,6 +29,7 @@ A horizontal `RecyclerView` with `LinearSnapHelper` that paginates BML cards + M
 
 - BML cards: visible accounts with `profileType` in (`BML_PREPAID`, `BML_CREDIT`, `BML_DEBIT`) AND `statusDesc == "Active"`
 - MIB cards: filtered by `CardsFragment.isMibCardActive(cardStatus)` (i.e. `CHST0`)
+- Cards are sorted by the user's [login order](00-app-overview.md#login-order)
 - The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to the front
 - Cards hidden via `getHiddenDashboardCardNumbers()` are skipped
 

docs/thijooree/22-cards.md

@@ -29,7 +29,7 @@ A horizontal `RecyclerView` driven by `CardStackAdapter` with a `PagerSnapHelper
 - BML: `viewModel.accounts` filtered to `profileType in (BML_PREPAID, BML_CREDIT, BML_DEBIT)`
 - MIB: `viewModel.mibCards`
 
-The combined order is `bmlActive + mibActive + bmlInactive + mibInactive`. The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to position 0. Initial data is seeded from `CardsCache` so the stack appears immediately; a background `HomeActivity.triggerRefreshCards()` refreshes it.
+Active cards come first, then inactive ones; within each group cards are sorted by the user's [login order](00-app-overview.md#login-order) via `CardItem.loginTag`. The user's default card (`CredentialStore.getDefaultCardAccountNumber()`) is moved to position 0. Initial data is seeded from `CardsCache` so the stack appears immediately; a background `HomeActivity.triggerRefreshCards()` refreshes it.
 
 ### Card Art
 

docs/thijooree/25-qr-scanner.md

@@ -57,10 +57,10 @@ Each caller registers an `ActivityResultContracts.StartActivityForResult` launch
 
 | Caller | Result handling |
 |---|---|
-| [TransferFragment](07-transfer.md) | Routes PayMV / BML URL via `PaymvQrParser` + `extractBmlGatewayUrl` |
+| [TransferFragment](07-transfer.md) | `PaymvQrParser.bmlQrPayTarget()` first (URL, combined and POS QRs → BML QR pay), then M-Faisa numeric ids, then `PaymvQrParser.parse()` |
 | [PayMvQrFragment](11-paymv-qr-screen.md) | Generation only — does not call the scanner directly |
 | `CredentialsFragment` (login) | `OtpauthParser.parse(raw)` → fills `etOtpSeed` or shows a chooser for multi-entry QRs |
-| [DashboardFragment](21-dashboard.md) | BML URL → BML QR pay; PayMV → pre-fill Transfer; otherwise toast |
+| [DashboardFragment](21-dashboard.md) | BML QR (URL or POS) → BML QR pay; PayMV → pre-fill Transfer; otherwise toast |
 | [CardsFragment](22-cards.md) | Same routing as Dashboard, scoped to the active BML card |
 
 ### Share-to-Scan Fast Path

docs/thijooree/README.md

@@ -22,7 +22,7 @@ Documentation for app-specific logic — UI flows, routing decisions, and busine
 | [11 — PayMV QR Screen](11-paymv-qr-screen.md) | Generate receive-payment QR (send/scan lives in Transfer) |
 | [12 — BML QR Pay](12-bml-qr-pay.md) | (Stub — see Transfer Flows for the live BML QR merchant flow) |
 | [13 — Financing](13-financing.md) | MIB promotional deals, BML loans, BML foreign spend limits |
-| [14 — Settings](14-settings.md) | Settings hub: Logins, Appearance, Privacy & Security, Notifications, Storage, About |
+| [14 — Settings](14-settings.md) | Settings hub: Logins (drag to reorder), Appearance, Privacy & Security, Notifications, Storage, About |
 | [15 — Settings: Security](15-settings-security.md) | Change lock method, biometrics, auto-lock timeout, screenshots |
 | [16 — Settings: Appearance](16-settings-appearance.md) | Navigation mode, slot drag-reorder, theme, accent colour, language |
 | [17 — Settings: Storage](17-settings-storage.md) | Single "Clear All Caches" button |

fastlane/metadata/android/en-US/changelogs/10.txt

@@ -0,0 +1 @@
+- Support for BML payment gateway using PayMV QR

fastlane/metadata/android/en-US/changelogs/11.txt

@@ -0,0 +1,5 @@
+- NFC tap-to-pay with wallet integration
+- Set a default card for NFC payments
+- Launcher shortcut renamed to "Scan to Pay"
+- New NFC icon
+- Cards hidden when not relevant

fastlane/metadata/android/en-US/changelogs/12.txt

@@ -0,0 +1,9 @@
+- Default transfer accounts
+- Share-to-scan-to-pay with merchant details
+- Static BML QR scans saved to recents
+- Unified QR scan flow across banks
+- Friendlier transfer flow UI
+- Removed *** masking on PayMV QR amounts
+- New NFC tap-to-pay animation
+- Fixed NFC-related crash
+- Scanning a PayMV QR after selecting a card falls back to the transfer flow

fastlane/metadata/android/en-US/changelogs/13.txt

@@ -0,0 +1,2 @@
+- Fixed transfer form resetting on switching tabs
+- Fixed default account not selected from contacts page or contact picker

fastlane/metadata/android/en-US/changelogs/14.txt

@@ -0,0 +1 @@
+- New navigation mode: Nostalgic

fastlane/metadata/android/en-US/changelogs/15.txt

@@ -0,0 +1,10 @@
+- View details of blocked balance
+- Notifications
+- Wheel optimizations
+- Fixed back navigation from Finances page
+- Fixed "An error occurred" instead of "No available balance"
+- Fixed Islamic visa card image
+- Fixed PIN button glyph scaling and theme bugs
+- Fixed receipt buttons on some phones
+- Fixed balance not updating after BML QR payment
+- Fixed onboarding warning bypass

fastlane/metadata/android/en-US/changelogs/16.txt

@@ -0,0 +1 @@
+- NFC prompts for off, default and not supported states

fastlane/metadata/android/en-US/changelogs/17.txt

@@ -0,0 +1,3 @@
+- About page
+- Donate to support development
+- Import TOTP QR and Google Authenticator export QR

fastlane/metadata/android/en-US/changelogs/19.txt

@@ -0,0 +1,6 @@
+- BML and MIB card freeze/unfreeze
+- Background service and push notifications (very unstable)
+- Cards ordered: active BML, MIB, inactive BML, inactive MIB
+- Faster notification loading
+- Fixed notification icon in light theme
+- Fixed contact picker rendering

fastlane/metadata/android/en-US/changelogs/2.txt

@@ -0,0 +1,9 @@
+- Edge-to-edge support for Android 15+
+- Redesigned onboarding pages and added disclaimer
+- otpauth://totp/ URI import for OTP seed
+- Hint shown when biometrics are disabled
+- App resumes last screen after unlocking
+- Loading indicators for account info and transfers
+- Fixed bottom bar staying above the keyboard
+- Fixed adding a contact with multiple BML logins
+- Added Visa, Master and Amex card icons

fastlane/metadata/android/en-US/changelogs/20.txt

@@ -0,0 +1,8 @@
+- Contact picker recents show most recent first
+- Outstanding and unbilled credit card values
+- Fixed MIB USD history amounts
+- Fixed currency detection in MIB to MIB transfers
+- Option to add contact during BML to MIB USD transfer
+- Settings item renamed to "Confirm Transaction"
+- Fixed "Cards" title in tap to pay from shortcut
+- Removed gap under bottom bar on cards screens

fastlane/metadata/android/en-US/changelogs/22.txt

@@ -0,0 +1 @@
+- Initial support for Ooredoo M-Faisa

fastlane/metadata/android/en-US/changelogs/23.txt

@@ -0,0 +1,4 @@
+- Updated BML card mapping (fixed Mastercard Platinum)
+- Disabled PayMV QR for M-Faisa accounts
+- Fixed share and save buttons showing on shared receipt image
+- Fixed bottom bar flashing before receipt share sheet

fastlane/metadata/android/en-US/changelogs/24.txt

@@ -0,0 +1,5 @@
+- Fixed QR scanner failing to launch on revisit
+- Fixed PayMV scan keeping unusable M-Faisa source
+- Fixed BML merchant staying loaded after payment
+- Transfer logic split into per-bank handlers
+- Note: Fahipay is still broken

fastlane/metadata/android/en-US/changelogs/26.txt

@@ -0,0 +1 @@
+- No changes from previous version

fastlane/metadata/android/en-US/changelogs/27.txt

@@ -0,0 +1,7 @@
+- Hide accounts you don't want to see
+- Reorder logins
+- Account number field on the transfer page suggests saved contacts
+- Transfer page shows the other account's currency
+- Search button on the transfer "To" field keyboard, focus moves to amount afterwards
+- Search key in the add contact drawer now works
+- Saving a profile disable no longer sends unnecessary refresh requests

fastlane/metadata/android/en-US/changelogs/28.txt

@@ -0,0 +1,5 @@
+- Redesigned OTP page: codes turn red in the last 5 seconds and there are copy buttons, and you can tap a card to copy its code
+- OTP page and login setup now also show the next code
+- Redesigned contacts list: tap a contact to open a details sheet, which now holds the edit and delete buttons
+- Contact details show the account number, account name, bank and currency
+- Copy or share a contact's account details, or show a PayMV QR code for them

fastlane/metadata/android/en-US/changelogs/3.txt

@@ -0,0 +1,5 @@
+- Customizable bottom bar and quick actions
+- Multiple Fahipay and MIB account support
+- Updated BML logo
+- Transfer button stays disabled until all required fields are filled
+- Fixed display issues on phones without edge-to-edge screens

fastlane/metadata/android/en-US/changelogs/4.txt

@@ -0,0 +1,8 @@
+- BML business profile support
+- Privacy mode toggle to hide balances
+- View previous transfer receipts, full screen view, long-press to copy, save and share
+- Initial PayMV QR generation
+- Renamed Activities to Recent Transfers
+- Fixed card transaction history not loading
+- Fixed BML contact list loading
+- Fixed single-profile multi-login issue

fastlane/metadata/android/en-US/changelogs/5.txt

@@ -0,0 +1,5 @@
+- BML loans shown on the Financing page, included in pending finances
+- Animated lock and show/hide amount icons
+- Credit cards and spending limits in a separate dashboard section, limits shown as progress bars
+- Optimized MIB session keepalive
+- Long-press to copy receipt fields in full screen

fastlane/metadata/android/en-US/changelogs/6.txt

@@ -0,0 +1,8 @@
+- MIB debit/credit cards shown in a dashboard carousel
+- Transfers from BML business profile accounts
+- New setting: auto unlock on correct PIN
+- Fewer network requests on BML session refresh
+- Refresh indicator moved to the action bar
+- Reworked back button navigation
+- Fixed PayMV QR page empty space
+- BML loan accounts excluded from balance total and transfer sources

fastlane/metadata/android/en-US/changelogs/7.txt

@@ -0,0 +1,7 @@
+- Compressed MIB card images to reduce app size
+- Connectivity banners for network issues
+- Transfer button disabled when source bank is unavailable
+- Fixed cache read issue when refreshing offline
+- Privacy mode hides amounts in transfer dropdown
+- User-agent reports real device info
+- Fixed error on failed PIN entry

fastlane/metadata/android/en-US/changelogs/8.txt

@@ -0,0 +1,8 @@
+- QR payments from BML gateway and static QR payments from BML cards
+- Zoom and flashlight on QR scanner
+- Bank/profile images in accounts list and transfer dropdown
+- Local per-profile images for BML and Fahipay
+- Better network error handling and timeout handling
+- Fixed contacts infinite loading offline
+- Fixed crash with no network on transaction history
+- Fixed nav bar buttons disappearing

fastlane/metadata/android/en-US/changelogs/9.txt

@@ -0,0 +1,10 @@
+- Manage cards mode and default payment card
+- Theme customizations
+- Launcher shortcuts
+- Tap to copy OTP
+- Unified card settings and Pay with Card page
+- Dashboard shows MVR and USD blocked funds separately
+- Accounts list uses available balance
+- Fixed lockscreen bypass on rooted devices
+- Fixed empty dashboard without accounts
+- PayMV QR generation fix

fastlane/metadata/android/en-US/full_description.txt

@@ -0,0 +1,31 @@
+Thijooree is an unofficial, unified banking app for the Maldives, built by reverse engineering the official bank apps.
+
+Supported services:
+- Bank of Maldives (BML)
+- Maldives Islamic Bank (MIB)
+- Fahipay (initial support)
+- Ooredoo M-Faisa (initial support)
+
+Features:
+- Multiple logins per bank in one app, with a unified dashboard of all your accounts
+- Transfers between accounts and banks, with saved contacts and Favara IDs
+- Transaction history for accounts
+- Cards: view BML and MIB cards, freeze/unfreeze
+- NFC tap-to-pay
+- QR payments: scan PayMV and BML QR codes, generate your own PayMV QR, with zoom and flashlight on the scanner
+- Loans, credit cards, spending limits and blocked funds on the Financing page
+- Built-in TOTP: import from otpauth:// URIs, QR codes or Google Authenticator exports
+- Notifications
+- Privacy mode to hide balances
+- PIN and biometric app lock
+- Customizable bottom bar, quick actions and themes
+- Hide specific accounts per profile
+
+Requirements:
+- Your banking credentials for each bank
+
+Privacy:
+No data ever leaves your device except the API calls to the banking services themselves.
+
+Disclaimer:
+This is an unofficial third-party app. It is not affiliated with, endorsed by, or supported by BML, MIB, Fahipay or Ooredoo. Use at your own risk. Review the source code before entering your banking credentials.

fastlane/metadata/android/en-US/short_description.txt

@@ -0,0 +1 @@
+Unified banking app for Maldives from reverse enginered official bank apps.

fastlane/metadata/android/en-US/title.txt

@@ -0,0 +1 @@
+Thijooree