chats: business payments, new bubbles, pinning, Scan to Pay

- Card / Scan to Pay payments show as business chats (from BML
  "Payment Completed" alerts and "Purchase" history), kept apart from
  people; static merchant QRs are kept so a business can be paid again
  from its chat, with a card picker
- Scan to Pay button on the chat list; returns and re-checks after paying
- Compact bubbles with ticks (alert seen / booked in history), receipt
  button, day totals, monthly summary, long-press actions
- Personal accounts confirm with just the dialog over the chat; business
  profiles keep the sheet for the OTP step
- From chip shows account number and balance; MVR -> USD account is
  blocked, USD -> MVR warns about conversion
- Long-press a chat to pin it to the top

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01FQUrmJjrypeoPsubpzuezC

README.md

@@ -12,16 +12,12 @@ A native Android client for Maldivian banking services. It is a pure client: req
 
 - Android 8.0+ (API 26)
 - Existing accounts with MIB, BML, or Fahipay
-- Your TOTP seed (base32 secret from your authenticator app setup) for each bank. See [how to get your TOTP seed](docs/thijooree/faq/totpseed/README.md)
+- Your TOTP seed (base32 secret from your authenticator app setup) for each bank
 
 ## Download APK
 [Gitea Releases](https://git.shihaam.dev/shihaam/thijooree/releases)
 [Telegram Channel](https://t.me/s/thijooreeapks)
 
-## FAQ
-
-Common questions and setup guides are in the [FAQ](docs/thijooree/faq/README.md).
-
 ## Privacy
 
 No data ever leaves your device except the API calls to the banking services themselves. See the [security audit](docs/thijooree/AI_SECURITY_CHECK.md) for a full list of every server the app connects to.

app/build.gradle.kts

@@ -21,8 +21,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 30
-        versionName = "1.0.29"
+        versionCode = 28
+        versionName = "1.0.27"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
 

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

@@ -50,11 +50,6 @@ class MibLoginFlow(private val credentialStore: CredentialStore) {
         }
         .build()
 
-    /** Swap the seed used for silent re-login after the user replaces it on the OTP screen. */
-    fun updateOtpSeed(otpSeed: String) {
-        if (storedOtpSeed != null) storedOtpSeed = otpSeed
-    }
-
     // ─── Public entry point ───────────────────────────────────────────────────
 
     /**

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

@@ -0,0 +1,686 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.view.inputmethod.EditorInfo
+import android.widget.LinearLayout
+import android.widget.TextView
+import androidx.appcompat.app.AppCompatActivity
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.bottomsheet.BottomSheetDialog
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.snackbar.Snackbar
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.databinding.FragmentChatBinding
+import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
+import sh.sar.basedbank.databinding.ViewChatHeaderBinding
+import sh.sar.basedbank.util.ContactDisplay
+import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.ContactImageCache
+import sh.sar.basedbank.util.ContactListParser
+import sh.sar.basedbank.util.ReceiptStore
+import sh.sar.basedbank.util.AccountListParser
+import sh.sar.basedbank.util.ChatAccount
+import sh.sar.basedbank.util.ChatStore
+import sh.sar.basedbank.util.ChatThread
+
+/**
+ * One person's transfers as a chat, or one business's card / Scan to Pay payments.
+ *
+ * A person can have several accounts (e.g. MVR and USD); the "To" bar picks which one to send to.
+ * Sending opens [TransferFragment] in a sheet, prefilled with the recipient, source account,
+ * amount and note, so the usual confirm/OTP flow still applies. A monthly summary sits on top,
+ * and long-pressing a bubble offers Send again / receipt / copy.
+ */
+class ChatFragment : Fragment(), ContactSheetHost {
+
+    private var _binding: FragmentChatBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+    private val app get() = requireActivity().application as BasedBankApp
+
+    private var peerKey = ""
+    private var header: ViewChatHeaderBinding? = null
+    private val adapter = ChatMessagesAdapter(
+        onReceiptClick = { openReceipt(it.receiptKey) },
+        onLongPress = { message, anchor -> showMessageMenu(message, anchor) }
+    )
+    private var thread: ChatThread? = null
+    private var fromAccounts: List<BankAccount> = emptyList()
+    private var selectedFrom: BankAccount? = null
+    private var selectedTo: ChatAccount? = null
+    private var merchantQr: String? = null
+    private var cardAccounts: List<BankAccount> = emptyList()
+    private var selectedCard: BankAccount? = null
+    /** When the last transfer / payment sheet was opened, to tell whether it left a new receipt. */
+    private var payStartedAt = 0L
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentChatBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        peerKey = savedInstanceState?.getString(ARG_PEER_KEY) ?: requireArguments().getString(ARG_PEER_KEY).orEmpty()
+        binding.rvMessages.layoutManager = LinearLayoutManager(requireContext()).apply { stackFromEnd = true }
+        binding.rvMessages.adapter = adapter
+
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) {
+            adapter.setHideAmounts(it)
+            thread?.let { t -> bindSummary(t) }
+            bindFromChip()
+        }
+
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            fromAccounts = accounts.filter { it.bank == "BML" && it.profileType !in CARD_OR_LOAN }
+            cardAccounts = accounts.filter {
+                it.bank == "BML" && it.profileType in CARD_TYPES && it.statusDesc.equals("Active", ignoreCase = true)
+            }
+            bindFromAccounts()
+        }
+
+        binding.btnFrom.setOnClickListener { if (thread?.isMerchant == true) showCardPicker() else showAccountPicker() }
+        binding.btnSaveContact.setOnClickListener { openContact() }
+        binding.toAccountBar.setOnClickListener { showRecipientPicker() }
+        binding.btnSend.setOnClickListener { send() }
+        binding.etNote.setOnEditorActionListener { _, actionId, _ ->
+            if (actionId == EditorInfo.IME_ACTION_SEND) { send(); true } else false
+        }
+        binding.btnPayAgain.setOnClickListener { payBusiness() }
+
+        // Transfers started from this chat come straight back here instead of opening the receipt.
+        parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
+            onTransferDone()
+        }
+
+        // A newly saved contact adds an account (and maybe a nickname) to this chat; reload.
+        viewModel.contacts.observe(viewLifecycleOwner) { loadThread() }
+    }
+
+    override fun onSaveInstanceState(outState: Bundle) {
+        super.onSaveInstanceState(outState)
+        outState.putString(ARG_PEER_KEY, peerKey)
+    }
+
+    private fun loadThread() {
+        val ctx = requireContext().applicationContext
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val threads = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) }
+            val knownIds = thread?.messages?.mapTo(HashSet()) { it.id }.orEmpty()
+            val t = threads.firstOrNull { it.peerKey == peerKey }
+                ?: threads.firstOrNull { th -> th.messages.any { it.id in knownIds } }
+            if (_binding == null) return@launch
+            thread = t
+            if (t == null) return@launch
+            peerKey = t.peerKey
+            adapter.showDestination = t.accounts.size > 1
+            adapter.setMessages(t.messages, getString(R.string.chat_today), getString(R.string.chat_yesterday))
+            binding.rvMessages.scrollToPosition(adapter.itemCount - 1)
+            bindSummary(t)
+
+            bindFromAccounts()
+            val previous = selectedTo
+            val to = t.accounts.firstOrNull { it.account == previous?.account }
+                ?: t.accounts.firstOrNull { it.account == t.peerAccount }
+            selectTo(to, matchFromCurrency = previous == null)
+            updateToolbar()
+        }
+    }
+
+    /** Picks which of the person's accounts to send to and updates everything that depends on it. */
+    private fun selectTo(to: ChatAccount?, matchFromCurrency: Boolean) {
+        val b = _binding ?: return
+        val t = thread ?: return
+        selectedTo = to
+
+        if (t.isMerchant) {
+            // Businesses paid by card / Scan to Pay: history only, nothing to send to or save.
+            b.toAccountBar.visibility = View.GONE
+            b.saveContactBar.visibility = View.GONE
+            b.composer.visibility = View.GONE
+            b.tvCannotSend.visibility = View.GONE
+            b.btnPayAgain.visibility = View.VISIBLE
+            bindMerchantQr(t)
+            return
+        }
+        b.btnPayAgain.visibility = View.GONE
+        // One account: it's shown in the header. Several: this bar picks between them.
+        b.toAccountBar.visibility = if (to == null || t.accounts.size < 2) View.GONE else View.VISIBLE
+        if (to != null) {
+            b.tvToAccount.text = to.account
+            b.tvToCurrency.text = to.currency
+            b.tvToCurrency.visibility = if (to.currency.isBlank()) View.GONE else View.VISIBLE
+            val nickname = to.contact?.benefNickName?.takeIf { it.isNotBlank() && !it.equals(t.peerName, ignoreCase = true) }
+            b.tvToNickname.text = nickname
+            b.tvToNickname.visibility = if (nickname == null) View.GONE else View.VISIBLE
+            b.ivToSwitch.visibility = if (t.accounts.size > 1) View.VISIBLE else View.GONE
+        }
+
+        // Offer to save the selected account (or the person, when no account is known yet).
+        b.saveContactBar.visibility = if (to?.contact == null) View.VISIBLE else View.GONE
+
+        val canSend = to != null
+        b.composer.visibility = if (canSend) View.VISIBLE else View.GONE
+        b.tvCannotSend.visibility = if (canSend) View.GONE else View.VISIBLE
+
+        // Sending to a USD account: default to a USD source account, and likewise for MVR.
+        if (matchFromCurrency && to != null && to.currency.isNotBlank() &&
+            !selectedFrom?.currencyName.equals(to.currency, ignoreCase = true)) {
+            fromAccounts.firstOrNull { it.currencyName.equals(to.currency, ignoreCase = true) }?.let(::selectFrom)
+        }
+        updateCurrencyWarning()
+    }
+
+    private fun showRecipientPicker() {
+        val t = thread ?: return
+        if (t.accounts.size < 2) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_recipient_account)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (account in t.accounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            row.tvDropdownAccountName.text = account.contact?.benefNickName?.takeIf { it.isNotBlank() }
+                ?: getString(R.string.chat_not_in_contacts)
+            row.tvDropdownAccountNumber.text = account.account
+            row.tvDropdownBalance.text = account.currency
+            row.ivDropdownCardLogo.visibility = View.GONE
+            // A USD account can only be paid from a USD account.
+            val unavailable = account.currency.equals("USD", ignoreCase = true) && !hasUsdSource()
+            row.tvDropdownAccountType.text = getString(R.string.chat_needs_usd_source)
+            row.tvDropdownAccountType.visibility = if (unavailable) View.VISIBLE else View.GONE
+            row.root.alpha = if (unavailable) 0.4f else 1f
+            if (account.account == selectedTo?.account) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            if (!unavailable) row.root.setOnClickListener {
+                selectTo(account, matchFromCurrency = true)
+                updateToolbar()
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    private fun sheetTitle(text: String) = TextView(requireContext()).apply {
+        this.text = text
+        setTextAppearance(com.google.android.material.R.style.TextAppearance_Material3_TitleMedium)
+        val pad = (16 * resources.displayMetrics.density).toInt()
+        setPadding(pad, pad / 2, pad, pad / 2)
+    }
+
+    private fun bindFromAccounts() {
+        val b = _binding ?: return
+        if (fromAccounts.isEmpty()) return
+        // Default to the account last used with this person.
+        val lastUsed = thread?.messages?.lastOrNull { it.isSent }?.accountNumber
+        val current = selectedFrom?.takeIf { s -> fromAccounts.any { it.accountNumber == s.accountNumber } }
+        selectedFrom = current ?: fromAccounts.firstOrNull { it.accountNumber == lastUsed } ?: fromAccounts.first()
+
+        selectFrom(selectedFrom!!)
+    }
+
+    private fun onTransferDone() {
+        childFragmentManager.findFragmentByTag(TAG_HIDDEN_TRANSFER)?.let {
+            childFragmentManager.beginTransaction().remove(it).commitAllowingStateLoss()
+        }
+        binding.etAmount.text = null
+        binding.etNote.text = null
+        // The receipt shows the new bubble right away; history catches up a little later and
+        // replaces it with the bank's own entry.
+        sync()
+        viewLifecycleOwner.lifecycleScope.launch {
+            delay(HISTORY_CATCH_UP_MS)
+            sync()
+        }
+        // Only offer the receipt this payment made; QR payments don't save one.
+        val receipt = ReceiptStore.loadAll(requireContext()).firstOrNull()?.takeIf { it.savedAt >= payStartedAt }
+        val merchant = thread?.isMerchant == true
+        Snackbar.make(binding.root, if (merchant) R.string.chat_payment_sent else R.string.chat_transfer_sent, Snackbar.LENGTH_LONG)
+            .setAnchorView(if (binding.composer.visibility == View.VISIBLE) binding.composer else binding.btnPayAgain)
+            .apply { if (receipt != null) setAction(R.string.chat_view_receipt) { openReceipt(receipt.savedAt.toString()) } }
+            .show()
+    }
+
+    private fun openReceipt(receiptKey: String) {
+        val entry = ReceiptStore.loadAll(requireContext()).firstOrNull { it.savedAt.toString() == receiptKey }
+        if (entry == null) {
+            Snackbar.make(binding.root, R.string.chat_receipt_missing, Snackbar.LENGTH_SHORT).show()
+            return
+        }
+        (requireActivity() as HomeActivity).showWithBackStack(TransferReceiptFragment.newInstance(entry.data, null))
+    }
+
+    private fun sync() {
+        val ctx = requireContext().applicationContext
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.sync(ctx, app, accounts, contacts) }
+            if (_binding != null) loadThread()
+        }
+    }
+
+    private fun selectFrom(account: BankAccount) {
+        val b = _binding ?: return
+        selectedFrom = account
+        bindFromChip()
+        b.tilAmount.prefixText = account.currencyName
+        updateCurrencyWarning()
+    }
+
+    /** The chip shows the account (or, in a business chat, the card) paid from, with its balance. */
+    private fun bindFromChip() {
+        val b = _binding ?: return
+        val account = (if (thread?.isMerchant == true) selectedCard else selectedFrom) ?: return
+        val balance = AccountListParser.from(account)?.balance.orEmpty()
+        val hide = viewModel.hideAmounts.value ?: false
+        val money = when {
+            balance.isBlank() -> account.currencyName
+            hide -> AccountHistoryAdapter.maskAmount(balance)
+            else -> balance
+        }
+        b.btnFrom.text = getString(R.string.chat_from_chip, account.accountBriefName, account.accountNumber, money)
+        b.btnFrom.contentDescription = getString(R.string.chat_from_account) + ": " + b.btnFrom.text
+
+        // A card shows its network logo up front, in full colour; an account keeps the dropdown arrow.
+        val logo = if (thread?.isMerchant == true) sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(account) else null
+        val density = resources.displayMetrics.density
+        if (logo != null) {
+            b.btnFrom.setIconResource(logo)
+            b.btnFrom.iconTint = null
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_START
+            b.btnFrom.iconSize = (28 * density).toInt()
+        } else {
+            b.btnFrom.setIconResource(R.drawable.ic_arrow_right)
+            b.btnFrom.iconTint = android.content.res.ColorStateList.valueOf(
+                MaterialColors.getColor(b.btnFrom, com.google.android.material.R.attr.colorOnSecondaryContainer))
+            b.btnFrom.iconGravity = com.google.android.material.button.MaterialButton.ICON_GRAVITY_END
+            b.btnFrom.iconSize = (16 * density).toInt()
+        }
+    }
+
+    private fun showCardPicker() {
+        if (cardAccounts.isEmpty()) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_card)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (card in cardAccounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            bindAccountRow(row, card)
+            sh.sar.basedbank.util.bmlapi.BmlCardParser.cardNetworkIcon(card)?.let {
+                row.ivDropdownCardLogo.setImageResource(it)
+                row.ivDropdownCardLogo.visibility = View.VISIBLE
+            }
+            if (card.accountNumber == selectedCard?.accountNumber) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            row.root.setOnClickListener {
+                selectedCard = card
+                bindFromChip()
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    /**
+     * MVR can't be sent into a USD account: say so and disable Send. USD into an MVR account is
+     * converted by BML at its rate: allowed, with a warning.
+     */
+    private fun updateCurrencyWarning() {
+        val b = _binding ?: return
+        val from = selectedFrom?.currencyName.orEmpty()
+        val to = selectedTo?.currency.orEmpty()
+        val blocked = isBlockedPair(from, to)
+        val converts = from.equals("USD", ignoreCase = true) && to.equals("MVR", ignoreCase = true)
+        b.tvCurrencyWarning.text = when {
+            blocked -> getString(R.string.chat_currency_blocked)
+            converts -> getString(R.string.chat_currency_warning)
+            else -> null
+        }
+        b.tvCurrencyWarning.visibility = if (blocked || converts) View.VISIBLE else View.GONE
+        b.btnSend.isEnabled = !blocked
+    }
+
+    /** MVR → USD account: BML doesn't allow it. */
+    private fun isBlockedPair(fromCurrency: String, toCurrency: String) =
+        fromCurrency.equals("MVR", ignoreCase = true) && toCurrency.equals("USD", ignoreCase = true)
+
+    private fun hasUsdSource() = fromAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+
+    /** Looks up a saved static QR for this business: with one, the button pays it directly. */
+    private fun bindMerchantQr(t: ChatThread) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            val qr = withContext(Dispatchers.IO) { ChatStore.merchantQr(ctx, t.peerName) }
+            val b = _binding ?: return@launch
+            merchantQr = qr
+            b.btnPayAgain.text = if (qr != null) getString(R.string.chat_pay_business, t.peerName)
+                                 else getString(R.string.chat_pay_again)
+            // A saved QR is paid from a card picked here: show just the card chip above the button.
+            b.composer.visibility = if (qr != null && cardAccounts.isNotEmpty()) View.VISIBLE else View.GONE
+            b.amountRow.visibility = View.GONE
+            b.tvCurrencyWarning.visibility = View.GONE
+            if (qr != null && selectedCard == null) {
+                val lastCard = t.messages.lastOrNull { m -> cardAccounts.any { it.accountNumber == m.accountNumber } }?.accountNumber
+                val defaultCard = CredentialStore(requireContext()).getDefaultCardAccountNumber()
+                selectedCard = cardAccounts.firstOrNull { it.accountNumber == lastCard }
+                    ?: cardAccounts.firstOrNull { it.accountNumber == defaultCard }
+                    ?: cardAccounts.firstOrNull()
+            }
+            bindFromChip()
+        }
+    }
+
+    /** Saved static QR: pay it in the sheet over the chat. Otherwise: open the scanner. */
+    private fun payBusiness() {
+        val qr = merchantQr
+        if (qr == null) {
+            (requireActivity() as HomeActivity).showWithBackStack(TransferFragment.newInstanceWithAutoScan())
+            return
+        }
+        if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
+        val transfer = TransferFragment.newInstanceFromBmlQr(qr, selectedCard?.accountNumber, returnOnSuccess = true)
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+    }
+
+    /** This month with this person (sent / received / net) or at this business (spent / payments). */
+    private fun bindSummary(t: ChatThread) {
+        val b = _binding ?: return
+        val monthStart = java.util.Calendar.getInstance().apply {
+            set(java.util.Calendar.DAY_OF_MONTH, 1)
+            set(java.util.Calendar.HOUR_OF_DAY, 0); set(java.util.Calendar.MINUTE, 0)
+            set(java.util.Calendar.SECOND, 0); set(java.util.Calendar.MILLISECOND, 0)
+        }.timeInMillis
+        val thisMonth = t.messages.filter { it.timeMillis >= monthStart }
+        if (thisMonth.isEmpty()) { b.summaryCard.visibility = View.GONE; return }
+        // One currency per card: the selected account's, else the one used most this month.
+        val currency = selectedTo?.currency?.takeIf { c -> thisMonth.any { it.currency == c } }
+            ?: thisMonth.groupingBy { it.currency }.eachCount().maxByOrNull { it.value }!!.key
+        val ms = thisMonth.filter { it.currency == currency }
+        val hide = viewModel.hideAmounts.value ?: false
+        fun money(v: Double) = if (hide) "$currency ••••" else "$currency ${"%,.2f".format(v)}"
+        val month = java.text.SimpleDateFormat("MMMM", java.util.Locale.getDefault()).format(java.util.Date())
+
+        b.summaryCard.visibility = View.VISIBLE
+        val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+        if (t.isMerchant) {
+            b.tvSumLabel1.text = getString(R.string.chat_sum_spent, month)
+            b.tvSumValue1.text = money(sent)
+            b.sumColumn2.visibility = View.GONE
+            b.tvSumLabel3.text = getString(R.string.chat_sum_payments)
+            b.tvSumValue3.text = ms.size.toString()
+            return
+        }
+        val received = ms.filter { !it.isSent }.sumOf { it.amount }
+        val night = (resources.configuration.uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
+            android.content.res.Configuration.UI_MODE_NIGHT_YES
+        b.sumColumn2.visibility = View.VISIBLE
+        b.tvSumLabel1.text = getString(R.string.chat_sum_sent, month)
+        b.tvSumValue1.text = money(sent)
+        b.tvSumValue1.setTextColor(MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorError))
+        b.tvSumLabel2.text = getString(R.string.chat_sum_received)
+        b.tvSumValue2.text = money(received)
+        b.tvSumValue2.setTextColor(android.graphics.Color.parseColor(if (night) "#81C784" else "#2E7D32"))
+        b.tvSumLabel3.text = getString(R.string.chat_sum_net)
+        val net = received - sent
+        b.tvSumValue3.text = if (hide) "••••" else (if (net < 0) "−" else "+") + "%,.2f".format(kotlin.math.abs(net))
+    }
+
+    /** Long-press on a bubble: send the same again, open its receipt, or copy its reference. */
+    private fun showMessageMenu(m: sh.sar.basedbank.util.ChatMessage, anchor: View) {
+        val t = thread ?: return
+        val menu = android.widget.PopupMenu(requireContext(), anchor, android.view.Gravity.END)
+        val amount = "%.2f".format(kotlin.math.abs(m.amount))
+        val canSendAgain = m.isSent && !t.isMerchant && selectedTo != null
+        if (canSendAgain) menu.menu.add(0, 1, 0, getString(R.string.chat_send_again, "${m.currency} $amount"))
+        if (m.receiptKey.isNotBlank()) menu.menu.add(0, 2, 1, R.string.chat_view_receipt_full)
+        if (m.reference.isNotBlank()) menu.menu.add(0, 3, 2, R.string.chat_copy_reference)
+        if (menu.menu.size() == 0) return
+        menu.setOnMenuItemClickListener { item ->
+            when (item.itemId) {
+                1 -> {
+                    // Same account it went to, when that account is still one of theirs.
+                    t.accounts.firstOrNull { it.account == m.peerAccount }?.let { selectTo(it, matchFromCurrency = true) }
+                    binding.etAmount.setText(amount)
+                    binding.etNote.setText(m.note)
+                    send()
+                }
+                2 -> openReceipt(m.receiptKey)
+                3 -> {
+                    val clipboard = requireContext().getSystemService(android.content.ClipboardManager::class.java)
+                    clipboard.setPrimaryClip(android.content.ClipData.newPlainText("reference", m.reference))
+                    Snackbar.make(binding.root, R.string.chat_reference_copied, Snackbar.LENGTH_SHORT).show()
+                }
+            }
+            true
+        }
+        menu.show()
+    }
+
+    /** Fills an account row: name, full account number, balance (masked when amounts are hidden). */
+    private fun bindAccountRow(row: ItemAccountDropdownBinding, account: BankAccount) {
+        val display = AccountListParser.from(account)
+        row.tvDropdownAccountName.text = account.accountBriefName
+        row.tvDropdownAccountNumber.text = account.accountNumber
+        val balance = display?.balance.orEmpty()
+        val hide = viewModel.hideAmounts.value ?: false
+        row.tvDropdownBalance.text = if (hide && balance.isNotBlank()) AccountHistoryAdapter.maskAmount(balance) else balance
+        val type = display?.typeLabel.orEmpty()
+        row.tvDropdownAccountType.text = type
+        row.tvDropdownAccountType.visibility = if (type.isBlank()) View.GONE else View.VISIBLE
+        row.ivDropdownCardLogo.visibility = View.GONE
+    }
+
+    private fun showAccountPicker() {
+        if (fromAccounts.isEmpty()) return
+        val ctx = requireContext()
+        val dialog = BottomSheetDialog(ctx)
+        val list = LinearLayout(ctx).apply {
+            orientation = LinearLayout.VERTICAL
+            val pad = (8 * resources.displayMetrics.density).toInt()
+            setPadding(0, pad, 0, pad * 3)
+        }
+        list.addView(sheetTitle(getString(R.string.chat_pick_account)))
+        val selectedBg = MaterialColors.getColor(list, com.google.android.material.R.attr.colorSecondaryContainer)
+        for (account in fromAccounts) {
+            val row = ItemAccountDropdownBinding.inflate(layoutInflater, list, false)
+            bindAccountRow(row, account)
+            // MVR can't go into a USD account: show those accounts, but not selectable.
+            val blocked = isBlockedPair(account.currencyName, selectedTo?.currency.orEmpty())
+            if (blocked) {
+                row.tvDropdownAccountType.text = getString(R.string.chat_cant_send_mvr_to_usd)
+                row.tvDropdownAccountType.visibility = View.VISIBLE
+                row.root.alpha = 0.4f
+            }
+            if (account.accountNumber == selectedFrom?.accountNumber) row.root.setBackgroundColor(selectedBg)
+            else row.root.setBackgroundResource(android.R.drawable.list_selector_background)
+            if (!blocked) row.root.setOnClickListener {
+                selectFrom(account)
+                dialog.dismiss()
+            }
+            list.addView(row.root)
+        }
+        dialog.setContentView(list)
+        dialog.show()
+    }
+
+    private fun send() {
+        val t = thread ?: return
+        val from = selectedFrom ?: return
+        val to = selectedTo ?: return
+        if (isBlockedPair(from.currencyName, to.currency)) return
+        val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull()
+        if (amount == null || amount <= 0.0) {
+            binding.tilAmount.error = getString(R.string.chat_amount_invalid)
+            return
+        }
+        binding.tilAmount.error = null
+        val transfer = TransferFragment.newInstanceFromQr(
+            accountNumber     = to.account,
+            displayName       = to.contact?.benefNickName?.takeIf { it.isNotBlank() } ?: t.peerName,
+            amount            = "%.2f".format(amount),
+            remarks           = binding.etNote.text?.toString()?.trim()?.takeIf { it.isNotBlank() },
+            fromAccountNumber = from.accountNumber,
+            returnOnSuccess   = true,
+            autoConfirm       = true
+        )
+        if (childFragmentManager.findFragmentByTag("transfer_sheet") != null) return
+        payStartedAt = System.currentTimeMillis()
+        hideKeyboard()
+        if (isBusinessProfile(from)) {
+            // Business profiles confirm with an OTP typed into the Transfer page: show it in a sheet.
+            TransferSheetFragment.newInstance(transfer.requireArguments()).show(childFragmentManager, "transfer_sheet")
+        } else {
+            // Personal profiles confirm automatically: run the Transfer page hidden, so only its
+            // confirm dialog appears over the chat. A new send replaces any earlier one.
+            childFragmentManager.beginTransaction()
+                .replace(R.id.hiddenTransferHost, transfer, TAG_HIDDEN_TRANSFER)
+                .commit()
+        }
+    }
+
+    /** Same rule as the Transfer page: the account's BML login profile is a business one. */
+    private fun isBusinessProfile(account: BankAccount): Boolean {
+        val profiles = app.bmlProfilesMap[account.loginTag.removePrefix("bml_")] ?: return false
+        return profiles.firstOrNull { it.profileId == account.profileId }?.profileType == "business"
+    }
+
+    /** Closes the composer's keyboard so the transfer sheet doesn't open pushed up by it. */
+    private fun hideKeyboard() {
+        val b = _binding ?: return
+        val focused = b.root.findFocus() ?: return
+        requireContext().getSystemService(android.view.inputmethod.InputMethodManager::class.java)
+            ?.hideSoftInputFromWindow(focused.windowToken, 0)
+        focused.clearFocus()
+    }
+
+    /** Shows the photo, contact name and real name in the toolbar; tapping it opens the contact. */
+    private fun updateToolbar() {
+        val t = thread ?: return
+        val bar = (activity as? AppCompatActivity)?.supportActionBar ?: return
+        val h = header ?: ViewChatHeaderBinding.inflate(layoutInflater).also { h ->
+            header = h
+            h.root.setOnClickListener { openContact() }
+        }
+        h.tvHeaderName.text = t.peerName
+        // Real name (when titled with a nickname), plus the account and currency when there's only one.
+        val subtitle = if (t.isMerchant) getString(R.string.chat_merchant_subtitle) else listOfNotNull(
+            t.realName.takeIf { it.isNotBlank() && !it.equals(t.peerName, ignoreCase = true) },
+            selectedTo?.takeIf { t.accounts.size == 1 }?.account,
+            selectedTo?.takeIf { t.accounts.size == 1 }?.currency?.takeIf { it.isNotBlank() }
+        ).joinToString(" · ")
+        h.tvHeaderAccount.text = subtitle
+        h.tvHeaderAccount.visibility = if (subtitle.isBlank()) View.GONE else View.VISIBLE
+        val sizePx = (40 * resources.displayMetrics.density).toInt()
+        if (t.isMerchant) {
+            h.ivHeaderAvatar.shapeAppearanceModel = com.google.android.material.shape.ShapeAppearanceModel.builder()
+                .setAllCornerSizes(10 * resources.displayMetrics.density).build()
+            h.ivHeaderAvatar.setImageBitmap(ChatsAdapter.shopBitmap(h.root, ChatsAdapter.merchantColor(t.peerKey), sizePx))
+        } else {
+            val photo = t.contact?.customerImgHash?.let { ContactImageCache.load(requireContext(), it) }
+            h.ivHeaderAvatar.setImageBitmap(photo ?: contactInitialsBitmap(t.peerName, ChatsAdapter.avatarColor(t.peerKey), sizePx))
+        }
+
+        requireActivity().title = t.peerName
+        bar.setDisplayShowTitleEnabled(false)
+        bar.setDisplayShowCustomEnabled(true)
+        bar.customView = h.root
+    }
+
+    private fun openContact() {
+        val t = thread ?: return
+        if (t.isMerchant) return
+        val display = (selectedTo?.contact ?: t.contact)?.let { ContactListParser.from(it) }
+        if (display != null) {
+            if (childFragmentManager.findFragmentByTag("contact_details") != null) return
+            ContactDetailsSheetFragment.newInstance(display).show(childFragmentManager, "contact_details")
+        } else {
+            // Not a saved contact yet: offer to save them, prefilled with what we know.
+            if (childFragmentManager.findFragmentByTag("add_contact") != null) return
+            AddContactSheetFragment.newInstance(
+                bmlProfileId  = selectedFrom?.profileId?.takeIf { it.isNotBlank() },
+                accountNumber = selectedTo?.account,
+                recipientName = t.realName.ifBlank { t.peerName },
+                currency      = selectedTo?.currency?.takeIf { it.isNotBlank() } ?: selectedFrom?.currencyName
+            ).show(childFragmentManager, "add_contact")
+        }
+    }
+
+    override fun openTransfer(contact: ContactDisplay) {
+        val fragment = TransferFragment.newInstance(
+            accountNumber = contact.accountNumber,
+            displayName   = contact.name,
+            subtitle      = contact.transferSubtitle,
+            colorHex      = contact.bankColor,
+            imageHash     = contact.imageHash
+        )
+        (requireActivity() as HomeActivity).showWithBackStack(fragment)
+    }
+
+    /** Deleting lives on the Contacts page, which also keeps its caches in sync. */
+    override fun confirmDelete(contact: ContactDisplay) {
+        (requireActivity() as HomeActivity).showWithBackStack(ContactsFragment())
+    }
+
+    override fun onResume() {
+        super.onResume()
+        updateToolbar()
+    }
+
+    override fun onPause() {
+        super.onPause()
+        (activity as? AppCompatActivity)?.supportActionBar?.apply {
+            setDisplayShowCustomEnabled(false)
+            setDisplayShowTitleEnabled(true)
+            customView = null
+        }
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        header = null
+        _binding = null
+    }
+
+    companion object {
+        private const val ARG_PEER_KEY = "peer_key"
+        private const val HISTORY_CATCH_UP_MS = 10_000L
+        private const val TAG_HIDDEN_TRANSFER = "transfer_hidden"
+        private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
+        private val CARD_TYPES = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT")
+
+        fun newInstance(peerKey: String) = ChatFragment().apply {
+            arguments = Bundle().apply { putString(ARG_PEER_KEY, peerKey) }
+        }
+    }
+}

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

@@ -0,0 +1,205 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.res.Configuration
+import android.graphics.Color
+import android.graphics.Typeface
+import android.text.SpannableStringBuilder
+import android.text.Spanned
+import android.text.format.DateUtils
+import android.text.style.StyleSpan
+import android.view.Gravity
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.widget.LinearLayout
+import androidx.core.graphics.ColorUtils
+import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.dialog.MaterialAlertDialogBuilder
+import com.google.android.material.shape.ShapeAppearanceModel
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.ItemChatBubbleBinding
+import sh.sar.basedbank.databinding.ItemChatDateBinding
+import sh.sar.basedbank.util.ChatMessage
+
+/**
+ * One chat's transfers or payments as compact bubbles — sent / paid on the right, received on the
+ * left — with ✓ (seen in a BML alert) or ✓✓ (booked in history). Day separators carry the day's
+ * totals.
+ */
+class ChatMessagesAdapter(
+    private val onReceiptClick: (ChatMessage) -> Unit,
+    private val onLongPress: (ChatMessage, View) -> Unit
+) : RecyclerView.Adapter<RecyclerView.ViewHolder>() {
+
+    /** Rows of the list: a day separator or a bubble. */
+    sealed class Item {
+        data class DateChip(val day: String, val messages: List<ChatMessage>) : Item()
+        data class Bubble(val message: ChatMessage) : Item()
+    }
+
+    private val items = mutableListOf<Item>()
+    private var hideAmounts = false
+    private var todayLabel = ""
+    private var yesterdayLabel = ""
+
+    /** When the person has several accounts, sent bubbles say which one the money went to. */
+    var showDestination = false
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
+    /** [messages] must be oldest first. */
+    fun setMessages(messages: List<ChatMessage>, todayLabel: String, yesterdayLabel: String) {
+        this.todayLabel = todayLabel
+        this.yesterdayLabel = yesterdayLabel
+        items.clear()
+        messages.groupBy { it.date.take(10) }.forEach { (day, dayMessages) ->
+            items.add(Item.DateChip(day, dayMessages))
+            dayMessages.forEach { items.add(Item.Bubble(it)) }
+        }
+        notifyDataSetChanged()
+    }
+
+    override fun getItemCount() = items.size
+
+    override fun getItemViewType(position: Int) = when (items[position]) {
+        is Item.DateChip -> TYPE_DATE
+        is Item.Bubble -> TYPE_BUBBLE
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): RecyclerView.ViewHolder {
+        val inflater = LayoutInflater.from(parent.context)
+        return if (viewType == TYPE_DATE) DateVH(ItemChatDateBinding.inflate(inflater, parent, false))
+               else BubbleVH(ItemChatBubbleBinding.inflate(inflater, parent, false))
+    }
+
+    override fun onBindViewHolder(holder: RecyclerView.ViewHolder, position: Int) {
+        when (val item = items[position]) {
+            is Item.DateChip -> (holder as DateVH).bind(item)
+            is Item.Bubble -> (holder as BubbleVH).bind(item.message)
+        }
+    }
+
+    private fun formatAmount(m: ChatMessage) =
+        if (hideAmounts) "${m.currency} ••••••" else "${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}"
+
+    private fun isNight(view: View) =
+        (view.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+
+    private fun ticksFor(m: ChatMessage) = if (m.isBooked) "✓✓" else "✓"
+
+    private fun tickColor(view: View, m: ChatMessage, fallback: Int) =
+        if (m.isBooked) Color.parseColor(if (isNight(view)) "#90CAF9" else "#1565C0") else fallback
+
+    inner class DateVH(private val b: ItemChatDateBinding) : RecyclerView.ViewHolder(b.root) {
+        fun bind(item: Item.DateChip) {
+            val first = item.messages.first()
+            val label = when {
+                DateUtils.isToday(first.timeMillis) -> todayLabel
+                DateUtils.isToday(first.timeMillis + DateUtils.DAY_IN_MILLIS) -> yesterdayLabel
+                else -> AccountHistoryAdapter.formatDateHeader(first.date)
+            }
+            val text = SpannableStringBuilder(label)
+            text.setSpan(StyleSpan(Typeface.BOLD), 0, label.length, Spanned.SPAN_EXCLUSIVE_EXCLUSIVE)
+            if (!hideAmounts) {
+                // Day totals per currency: ↑ sent, ↓ received.
+                val parts = item.messages.groupBy { it.currency }.map { (ccy, ms) ->
+                    val sent = ms.filter { it.isSent }.sumOf { -it.amount }
+                    val received = ms.filter { !it.isSent }.sumOf { it.amount }
+                    listOfNotNull(
+                        "↑ %.2f".format(sent).takeIf { sent > 0 },
+                        "↓ %.2f".format(received).takeIf { received > 0 }
+                    ).joinToString(" · ").let { if (item.messages.map { m -> m.currency }.toSet().size > 1) "$ccy $it" else it }
+                }.filter { it.isNotBlank() }
+                if (parts.isNotEmpty()) text.append("   ").append(parts.joinToString("   "))
+            }
+            b.tvDate.text = text
+        }
+    }
+
+    inner class BubbleVH(private val b: ItemChatBubbleBinding) : RecyclerView.ViewHolder(b.root) {
+        fun bind(m: ChatMessage) {
+            val ctx = b.root.context
+            val sent = m.isSent
+            val night = isNight(b.root)
+            val density = ctx.resources.displayMetrics.density
+
+            b.bubbleRow.gravity = if (sent) Gravity.END else Gravity.START
+            (b.cardBubble.layoutParams as LinearLayout.LayoutParams).gravity = if (sent) Gravity.END else Gravity.START
+
+            // Rounded, with a small "tail" corner on the sender's side at the bottom.
+            val rtl = b.root.layoutDirection == View.LAYOUT_DIRECTION_RTL
+            val big = 18 * density
+            val tail = 4 * density
+            val tailOnRight = sent != rtl
+            b.cardBubble.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                .setTopLeftCornerSize(big).setTopRightCornerSize(big)
+                .setBottomLeftCornerSize(if (tailOnRight) big else tail)
+                .setBottomRightCornerSize(if (tailOnRight) tail else big)
+                .build()
+
+            // Sent: tinted. Received: neutral with an outline, so the two read apart on any theme.
+            val bg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorErrorContainer)
+                     else Color.parseColor(if (night) "#2A2C2E" else "#FFFFFF")
+            val fg = if (sent) MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnErrorContainer)
+                     else MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOnSurface)
+            val green = Color.parseColor(if (night) "#81C784" else "#2E7D32")
+            b.cardBubble.setCardBackgroundColor(bg)
+            b.cardBubble.strokeWidth = if (sent) 0 else density.toInt()
+            b.cardBubble.strokeColor = MaterialColors.getColor(b.root, com.google.android.material.R.attr.colorOutlineVariant)
+
+            b.tvAmount.text = if (sent) formatAmount(m) else "+ ${formatAmount(m)}"
+            b.tvAmount.setTextColor(if (sent) fg else green)
+            b.tvNote.text = m.note
+            b.tvNote.setTextColor(fg)
+            b.tvNote.visibility = if (m.note.isBlank()) View.GONE else View.VISIBLE
+
+            b.btnReceipt.visibility = if (m.receiptKey.isNotBlank()) View.VISIBLE else View.GONE
+            b.btnReceipt.setColorFilter(fg)
+            b.btnReceipt.setOnClickListener { onReceiptClick(m) }
+
+            b.tvAccount.text = when {
+                !sent -> ctx.getString(R.string.chat_into_short, m.accountDisplayName)
+                showDestination && m.peerAccount.isNotBlank() ->
+                    ctx.getString(R.string.chat_account_to, m.accountDisplayName, m.peerAccount)
+                else -> m.accountDisplayName
+            }
+            b.tvAccount.setTextColor(fg)
+            b.tvTime.text = AccountHistoryAdapter.formatTime(m.date)
+            b.tvTime.setTextColor(fg)
+            b.tvTicks.text = ticksFor(m)
+            b.tvTicks.setTextColor(tickColor(b.root, m, ColorUtils.setAlphaComponent(fg, 0xB3)))
+            b.tvTicks.contentDescription = ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)
+
+            b.cardBubble.setOnClickListener { showDetail(b.root, m) }
+            b.cardBubble.setOnLongClickListener { onLongPress(m, b.cardBubble); true }
+        }
+    }
+
+    private fun showDetail(anchor: View, m: ChatMessage) {
+        val ctx = anchor.context
+        val details = buildString {
+            val sign = if (m.isSent) "-" else "+"
+            append("Amount\n$sign ${m.currency} ${"%.2f".format(kotlin.math.abs(m.amount))}\n\n")
+            append("Date\n${AccountHistoryAdapter.formatFullDate(m.date)}\n\n")
+            if (m.note.isNotBlank()) append("Remarks\n${m.note}\n\n")
+            if (m.reference.isNotBlank()) append("Reference\n${m.reference}\n\n")
+            append("Account\n${m.accountDisplayName}\n\n")
+            append("Status\n${ctx.getString(if (m.isBooked) R.string.chat_tick_booked else R.string.chat_tick_seen)}")
+        }
+        MaterialAlertDialogBuilder(ctx)
+            .setTitle(m.peerName)
+            .setMessage(details)
+            .setPositiveButton("OK", null)
+            .show()
+    }
+
+    companion object {
+        private const val TYPE_DATE = 0
+        private const val TYPE_BUBBLE = 1
+    }
+}

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

@@ -0,0 +1,172 @@
+package sh.sar.basedbank.ui.home
+
+import android.content.res.Configuration
+import android.graphics.Bitmap
+import android.graphics.Canvas
+import android.graphics.Color
+import android.graphics.Paint
+import android.graphics.RectF
+import android.text.format.DateUtils
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import androidx.core.content.ContextCompat
+import androidx.recyclerview.widget.RecyclerView
+import com.google.android.material.color.MaterialColors
+import com.google.android.material.shape.ShapeAppearanceModel
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.ItemChatBinding
+import sh.sar.basedbank.util.ChatThread
+import sh.sar.basedbank.util.ContactImageCache
+
+/**
+ * Telegram-style chat list: one row per person or business, latest transfer as the preview.
+ * Pinned chats come first; long-press selects a chat (for pinning).
+ */
+class ChatsAdapter(
+    private val onChatClick: (ChatThread) -> Unit,
+    private val onChatLongPress: (ChatThread) -> Unit
+) : RecyclerView.Adapter<ChatsAdapter.ViewHolder>() {
+
+    private var allThreads: List<ChatThread> = emptyList()
+    private var displayed: List<ChatThread> = emptyList()
+    private var pinned: List<String> = emptyList()
+    private var searchQuery = ""
+    private var hideAmounts = false
+
+    /** Chat key shown as selected (long-pressed), or null. */
+    var selectedKey: String? = null
+        set(value) { field = value; notifyDataSetChanged() }
+
+    fun updateThreads(threads: List<ChatThread>, pinnedKeys: List<String>) {
+        allThreads = threads
+        pinned = pinnedKeys
+        applyFilter()
+    }
+
+    fun setSearch(query: String) {
+        searchQuery = query
+        applyFilter()
+    }
+
+    fun setHideAmounts(hide: Boolean) {
+        if (hideAmounts == hide) return
+        hideAmounts = hide
+        notifyDataSetChanged()
+    }
+
+    fun isPinned(key: String) = key in pinned
+
+    val isEmpty get() = displayed.isEmpty()
+
+    private fun applyFilter() {
+        val matching = if (searchQuery.isBlank()) allThreads else allThreads.filter {
+            it.peerName.contains(searchQuery, ignoreCase = true) ||
+                it.realName.contains(searchQuery, ignoreCase = true) ||
+                it.peerAccount.contains(searchQuery) ||
+                it.messages.any { m -> m.note.contains(searchQuery, ignoreCase = true) }
+        }
+        // Pinned first, most recently pinned on top; the rest stay newest first.
+        val (pinnedThreads, others) = matching.partition { it.peerKey in pinned }
+        displayed = pinnedThreads.sortedBy { pinned.indexOf(it.peerKey) } + others
+        notifyDataSetChanged()
+    }
+
+    override fun onCreateViewHolder(parent: ViewGroup, viewType: Int): ViewHolder {
+        val holder = ViewHolder(ItemChatBinding.inflate(LayoutInflater.from(parent.context), parent, false))
+        holder.binding.root.setOnClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onChatClick(displayed[pos])
+        }
+        holder.binding.root.setOnLongClickListener {
+            val pos = holder.bindingAdapterPosition
+            if (pos != RecyclerView.NO_POSITION) onChatLongPress(displayed[pos])
+            pos != RecyclerView.NO_POSITION
+        }
+        return holder
+    }
+
+    override fun onBindViewHolder(holder: ViewHolder, position: Int) = holder.bind(displayed[position])
+
+    override fun getItemCount() = displayed.size
+
+    inner class ViewHolder(val binding: ItemChatBinding) : RecyclerView.ViewHolder(binding.root) {
+        fun bind(thread: ChatThread) {
+            val ctx = binding.root.context
+            val night = (ctx.resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_YES
+            val last = thread.last
+            binding.tvName.text = thread.peerName
+
+            val amount = if (hideAmounts) "${last.currency} ••••••"
+                         else "${last.currency} ${"%.2f".format(kotlin.math.abs(last.amount))}"
+            val ticks = if (last.isBooked) " ✓✓" else " ✓"
+            binding.tvPreview.text = when {
+                last.merchant -> ctx.getString(R.string.chat_preview_paid, amount) + ticks
+                last.isSent -> {
+                    val note = last.note.takeIf { it.isNotBlank() }?.let { " · $it" }.orEmpty()
+                    ctx.getString(R.string.chat_preview_sent, amount) + note + ticks
+                }
+                else -> ctx.getString(R.string.chat_preview_received, amount)
+            }
+            binding.tvPreview.setTextColor(
+                if (!last.isSent) Color.parseColor(if (night) "#81C784" else "#2E7D32")
+                else MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorOnSurfaceVariant)
+            )
+
+            binding.tvTime.text = if (DateUtils.isToday(last.timeMillis)) AccountHistoryAdapter.formatTime(last.date)
+                                  else AccountHistoryAdapter.formatDateOnly(last.date)
+
+            val sizePx = (52 * ctx.resources.displayMetrics.density).toInt()
+            if (thread.isMerchant) {
+                // Businesses get a rounded-square shop icon; people keep round initials or a photo.
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder()
+                    .setAllCornerSizes(14 * ctx.resources.displayMetrics.density).build()
+                binding.ivAvatar.setImageBitmap(shopBitmap(binding.root, merchantColor(thread.peerKey), sizePx))
+            } else {
+                binding.ivAvatar.shapeAppearanceModel = ShapeAppearanceModel.builder().setAllCornerSizes(sizePx / 2f).build()
+                val photo = thread.contact?.customerImgHash?.let { ContactImageCache.load(ctx, it) }
+                binding.ivAvatar.setImageBitmap(photo ?: contactInitialsBitmap(thread.peerName, avatarColor(thread.peerKey), sizePx))
+            }
+
+            val isPinned = thread.peerKey in pinned
+            binding.ivPin.visibility = if (isPinned) View.VISIBLE else View.GONE
+            // Selected (long-pressed): tinted; pinned: a soft surface; otherwise the normal ripple.
+            when {
+                thread.peerKey == selectedKey -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorErrorContainer))
+                isPinned -> binding.root.setBackgroundColor(
+                    MaterialColors.getColor(binding.root, com.google.android.material.R.attr.colorSurfaceContainerHigh))
+                else -> binding.root.setBackgroundResource(selectableBackground(binding.root))
+            }
+        }
+    }
+
+    private fun selectableBackground(view: View): Int {
+        val out = android.util.TypedValue()
+        view.context.theme.resolveAttribute(android.R.attr.selectableItemBackground, out, true)
+        return out.resourceId
+    }
+
+    companion object {
+        private val AVATAR_COLORS = listOf("#E8B04B", "#5C9CE6", "#E57373", "#66BB6A", "#9575CD", "#4DB6AC", "#F06292", "#FF8A65")
+        private val MERCHANT_COLORS = listOf("#6D4C41", "#546E7A", "#5D4037", "#455A64", "#8D6E63", "#37474F")
+
+        /** Stable per-person avatar colour, so a chat keeps its colour between visits. */
+        fun avatarColor(peerKey: String) = AVATAR_COLORS[(peerKey.hashCode() and 0x7fffffff) % AVATAR_COLORS.size]
+
+        fun merchantColor(peerKey: String) = MERCHANT_COLORS[(peerKey.hashCode() and 0x7fffffff) % MERCHANT_COLORS.size]
+
+        /** Shop icon on a coloured square; the image view's shape rounds the corners. */
+        fun shopBitmap(view: View, colorHex: String, sizePx: Int): Bitmap {
+            val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
+            val canvas = Canvas(bm)
+            canvas.drawRect(RectF(0f, 0f, sizePx.toFloat(), sizePx.toFloat()),
+                Paint(Paint.ANTI_ALIAS_FLAG).apply { color = Color.parseColor(colorHex) })
+            val icon = ContextCompat.getDrawable(view.context, R.drawable.ic_store)?.mutate() ?: return bm
+            val inset = sizePx / 4
+            icon.setBounds(inset, inset, sizePx - inset, sizePx - inset)
+            icon.draw(canvas)
+            return bm
+        }
+    }
+}

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

@@ -0,0 +1,261 @@
+package sh.sar.basedbank.ui.home
+
+import android.app.Activity
+import android.content.Intent
+import android.os.Bundle
+import android.widget.Toast
+import androidx.activity.result.contract.ActivityResultContracts
+import android.view.LayoutInflater
+import android.view.Menu
+import android.view.MenuInflater
+import android.view.MenuItem
+import android.view.View
+import android.view.ViewGroup
+import androidx.appcompat.app.AppCompatActivity
+import androidx.appcompat.view.ActionMode
+import androidx.core.view.MenuProvider
+import androidx.core.view.ViewCompat
+import androidx.core.view.WindowInsetsCompat
+import androidx.core.widget.addTextChangedListener
+import androidx.fragment.app.Fragment
+import androidx.fragment.app.activityViewModels
+import androidx.lifecycle.Lifecycle
+import androidx.lifecycle.lifecycleScope
+import androidx.recyclerview.widget.LinearLayoutManager
+import com.google.android.material.snackbar.Snackbar
+import kotlinx.coroutines.Dispatchers
+import kotlinx.coroutines.delay
+import kotlinx.coroutines.launch
+import kotlinx.coroutines.withContext
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.R
+import sh.sar.basedbank.databinding.FragmentChatsBinding
+import sh.sar.basedbank.util.PaymvQrParser
+import sh.sar.basedbank.util.ChatStore
+import sh.sar.basedbank.util.ChatThread
+import java.text.DateFormat
+import java.util.Date
+
+/**
+ * Transfers grouped by person or business, shown as a chat list. Contacts is reachable from the
+ * toolbar; long-press a chat to pin it to the top.
+ */
+class ChatsFragment : Fragment() {
+
+    private var _binding: FragmentChatsBinding? = null
+    private val binding get() = _binding!!
+    private val viewModel: HomeViewModel by activityViewModels()
+    private val app get() = requireActivity().application as BasedBankApp
+
+    private lateinit var adapter: ChatsAdapter
+
+    private val scanLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
+        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
+        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
+        onQrScanned(raw)
+    }
+    private var actionMode: ActionMode? = null
+    private var syncedThisView = false
+    private var syncedWithContacts = false
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = FragmentChatsBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        adapter = ChatsAdapter(
+            onChatClick = { thread ->
+                if (actionMode != null) actionMode?.finish()
+                else (requireActivity() as HomeActivity).showWithBackStack(ChatFragment.newInstance(thread.peerKey))
+            },
+            onChatLongPress = { thread -> startSelection(thread) }
+        )
+        binding.rvChats.layoutManager = LinearLayoutManager(requireContext())
+        binding.rvChats.adapter = adapter
+
+        binding.etSearch.addTextChangedListener { text ->
+            adapter.setSearch(text?.toString() ?: "")
+            updateEmptyView()
+        }
+
+        binding.swipeRefresh.setOnRefreshListener { sync() }
+
+        // Scan to Pay: opens the QR scanner; after paying it comes back here and refreshes.
+        binding.fabScanPay.setOnClickListener {
+            scanLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
+        }
+        parentFragmentManager.setFragmentResultListener(TransferFragment.RESULT_TRANSFER_DONE, viewLifecycleOwner) { _, _ ->
+            sync()
+            // BML's alert often lands a few seconds after the payment: check again shortly.
+            viewLifecycleOwner.lifecycleScope.launch {
+                delay(RECHECK_AFTER_PAYMENT_MS)
+                if (_binding != null) sync()
+            }
+        }
+        // Keep the button above the system navigation bar when there's no bottom bar.
+        val fabMargin = (16 * resources.displayMetrics.density).toInt()
+        ViewCompat.setOnApplyWindowInsetsListener(binding.fabScanPay) { v, insets ->
+            val bottomNav = NavCustomization.getNavMode(
+                requireContext().getSharedPreferences("prefs", android.content.Context.MODE_PRIVATE)
+            ) == NavCustomization.NAV_MODE_BOTTOM
+            val navBar = insets.getInsets(WindowInsetsCompat.Type.systemBars()).bottom
+            (v.layoutParams as android.widget.FrameLayout.LayoutParams).bottomMargin =
+                fabMargin + if (bottomNav) 0 else navBar
+            v.requestLayout()
+            insets
+        }
+
+        requireActivity().addMenuProvider(object : MenuProvider {
+            override fun onCreateMenu(menu: Menu, menuInflater: MenuInflater) {
+                menu.add(Menu.NONE, R.id.action_open_contacts, 0, R.string.nav_contacts)
+                    .setIcon(R.drawable.ic_contacts)
+                    .setShowAsAction(MenuItem.SHOW_AS_ACTION_ALWAYS)
+            }
+
+            override fun onMenuItemSelected(menuItem: MenuItem): Boolean {
+                if (menuItem.itemId != R.id.action_open_contacts) return false
+                (requireActivity() as HomeActivity).showWithBackStack(ContactsFragment())
+                return true
+            }
+        }, viewLifecycleOwner, Lifecycle.State.RESUMED)
+
+        adapter.setHideAmounts(viewModel.hideAmounts.value ?: false)
+        viewModel.hideAmounts.observe(viewLifecycleOwner) { adapter.setHideAmounts(it) }
+
+        // Contacts give chats a saved name and an account number to send to.
+        (activity as? HomeActivity)?.loadAllContacts()
+        viewModel.contacts.observe(viewLifecycleOwner) { contacts ->
+            loadThreads()
+            // Contacts usually load after the first sync; sync again so their real names get looked up.
+            if (syncedThisView && !syncedWithContacts && contacts.isNotEmpty()) sync()
+        }
+
+        // Accounts arrive after login; sync once they are available.
+        viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
+            if (!syncedThisView && accounts.any { it.bank == "BML" }) sync()
+        }
+
+        loadThreads()
+    }
+
+    private fun sync() {
+        syncedThisView = true
+        binding.swipeRefresh.isRefreshing = true
+        val accounts = viewModel.accounts.value ?: emptyList()
+        val contacts = viewModel.contacts.value ?: emptyList()
+        if (contacts.isNotEmpty()) syncedWithContacts = true
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.sync(ctx, app, accounts, contacts) }
+            _binding?.swipeRefresh?.isRefreshing = false
+            loadThreads()
+        }
+    }
+
+    private fun loadThreads() {
+        val ctx = requireContext().applicationContext
+        val contacts = viewModel.contacts.value ?: emptyList()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val (threads, pins) = withContext(Dispatchers.IO) { ChatStore.threads(ctx, contacts) to ChatStore.pins(ctx) }
+            if (_binding == null) return@launch
+            adapter.updateThreads(threads, pins)
+            updateEmptyView()
+        }
+    }
+
+    /**
+     * A scanned QR: BML Scan to Pay (static or card-machine) opens the payment, a PayMV QR opens a
+     * transfer. Either way, success comes back to this list, which then refreshes.
+     */
+    private fun onQrScanned(raw: String) {
+        val activity = requireActivity() as HomeActivity
+        val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
+        if (bmlTarget != null) {
+            activity.showWithBackStack(TransferFragment.newInstanceFromBmlQr(bmlTarget, null, returnOnSuccess = true))
+            return
+        }
+        val qr = PaymvQrParser.parse(raw)
+        val account = qr?.accountNumber
+        if (account == null) {
+            Toast.makeText(requireContext(), R.string.transfer_qr_invalid, Toast.LENGTH_SHORT).show()
+            return
+        }
+        activity.showWithBackStack(TransferFragment.newInstanceFromQr(
+            accountNumber   = account,
+            displayName     = qr.merchantName ?: account,
+            amount          = qr.amount,
+            remarks         = qr.purpose,
+            returnOnSuccess = true
+        ))
+    }
+
+    /** Long-press: select the chat and offer Pin / Unpin in the top bar. */
+    private fun startSelection(thread: ChatThread) {
+        adapter.selectedKey = thread.peerKey
+        val pinned = adapter.isPinned(thread.peerKey)
+        val callback = object : ActionMode.Callback {
+            override fun onCreateActionMode(mode: ActionMode, menu: Menu): Boolean {
+                mode.title = getString(R.string.chat_selected_one)
+                menu.add(Menu.NONE, R.id.action_pin_chat, 0, if (pinned) R.string.chat_unpin else R.string.chat_pin)
+                    .setIcon(R.drawable.ic_pin)
+                    .setShowAsAction(MenuItem.SHOW_AS_ACTION_ALWAYS or MenuItem.SHOW_AS_ACTION_WITH_TEXT)
+                return true
+            }
+            override fun onPrepareActionMode(mode: ActionMode, menu: Menu) = false
+            override fun onActionItemClicked(mode: ActionMode, item: MenuItem): Boolean {
+                if (item.itemId != R.id.action_pin_chat) return false
+                setPinned(thread, !pinned, offerUndo = true)
+                mode.finish()
+                return true
+            }
+            override fun onDestroyActionMode(mode: ActionMode) {
+                actionMode = null
+                adapter.selectedKey = null
+            }
+        }
+        actionMode?.finish()
+        actionMode = (requireActivity() as AppCompatActivity).startSupportActionMode(callback)
+    }
+
+    private fun setPinned(thread: ChatThread, pin: Boolean, offerUndo: Boolean) {
+        val ctx = requireContext().applicationContext
+        viewLifecycleOwner.lifecycleScope.launch {
+            withContext(Dispatchers.IO) { ChatStore.setPinned(ctx, thread.peerKey, pin) }
+            loadThreads()
+            val b = _binding ?: return@launch
+            if (!offerUndo) return@launch
+            Snackbar.make(b.root, getString(if (pin) R.string.chat_pinned_msg else R.string.chat_unpinned_msg, thread.peerName), Snackbar.LENGTH_LONG)
+                .setAction(R.string.chat_undo) { setPinned(thread, !pin, offerUndo = false) }
+                .show()
+        }
+    }
+
+    private fun updateEmptyView() {
+        val b = _binding ?: return
+        b.emptyView.visibility = if (adapter.isEmpty) View.VISIBLE else View.GONE
+        if (!adapter.isEmpty) return
+        val since = ChatStore.sinceMillis(requireContext())
+        b.emptyView.text = when {
+            b.etSearch.text?.isNotBlank() == true -> getString(R.string.chats_no_results)
+            since > 0L -> getString(R.string.chats_empty_since,
+                DateFormat.getDateTimeInstance(DateFormat.MEDIUM, DateFormat.SHORT).format(Date(since)))
+            else -> getString(R.string.chats_empty)
+        }
+    }
+
+    override fun onResume() {
+        super.onResume()
+        requireActivity().title = getString(R.string.nav_chats)
+    }
+
+    override fun onDestroyView() {
+        actionMode?.finish()
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val RECHECK_AFTER_PAYMENT_MS = 10_000L
+    }
+}

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

@@ -24,14 +24,14 @@ 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. */
+/** Contact details drawer shown when a contact is tapped in [ContactsFragment] or a chat header. */
 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
+    private val contactsFragment get() = parentFragment as? ContactSheetHost
 
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = SheetContactDetailsBinding.inflate(inflater, container, false)

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

@@ -0,0 +1,9 @@
+package sh.sar.basedbank.ui.home
+
+import sh.sar.basedbank.util.ContactDisplay
+
+/** A screen that can show [ContactDetailsSheetFragment] and handle its Transfer/Delete buttons. */
+interface ContactSheetHost {
+    fun openTransfer(contact: ContactDisplay)
+    fun confirmDelete(contact: ContactDisplay)
+}

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

@@ -40,7 +40,7 @@ import sh.sar.basedbank.util.ContactManager
 import sh.sar.basedbank.util.ContactsCache
 import sh.sar.basedbank.util.TransferNetwork
 
-class ContactsFragment : Fragment() {
+class ContactsFragment : Fragment(), ContactSheetHost {
 
     private var _binding: FragmentContactsBinding? = null
     private val binding get() = _binding!!
@@ -182,7 +182,7 @@ class ContactsFragment : Fragment() {
         ContactDetailsSheetFragment.newInstance(contact).show(childFragmentManager, "contact_details")
     }
 
-    internal fun openTransfer(contact: ContactDisplay) {
+    override fun openTransfer(contact: ContactDisplay) {
         val fragment = TransferFragment.newInstance(
             accountNumber = contact.accountNumber,
             displayName   = contact.name,
@@ -193,7 +193,7 @@ class ContactsFragment : Fragment() {
         (requireActivity() as HomeActivity).showWithBackStack(fragment)
     }
 
-    internal fun confirmDelete(contact: ContactDisplay) {
+    override fun confirmDelete(contact: ContactDisplay) {
         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) }

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

@@ -176,6 +176,7 @@ class HomeActivity : AppCompatActivity() {
             val frag = when (item.itemId) {
                 R.id.nav_dashboard        -> DashboardFragment()
                 R.id.nav_accounts         -> AccountsFragment()
+                R.id.nav_chats            -> ChatsFragment()
                 R.id.nav_contacts         -> ContactsFragment()
                 R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
                 R.id.nav_pay_mv_qr        -> PayMvQrFragment()
@@ -473,6 +474,7 @@ fun applyNavLabelVisibility() {
         val dest = fragment ?: when (itemId) {
             R.id.nav_dashboard        -> DashboardFragment()
             R.id.nav_accounts         -> AccountsFragment()
+            R.id.nav_chats            -> ChatsFragment()
             R.id.nav_contacts         -> ContactsFragment()
             R.id.nav_transfer         -> cachedTransferFragment ?: TransferFragment().also { cachedTransferFragment = it }
             R.id.nav_pay_mv_qr        -> PayMvQrFragment()

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

@@ -32,6 +32,7 @@ object NavCustomization {
     /** All items that can occupy either a bottom nav slot or the "More" screen. */
     val ALL_SWAPPABLE = listOf(
         NavItemDef(R.id.nav_accounts,         "nav_accounts",         R.drawable.ic_nav_accounts,         R.string.nav_accounts,         R.string.nav_desc_accounts),
+        NavItemDef(R.id.nav_chats,            "nav_chats",            R.drawable.ic_chat,                 R.string.nav_chats,            R.string.nav_desc_chats),
         NavItemDef(R.id.nav_contacts,         "nav_contacts",         R.drawable.ic_contacts,             R.string.nav_contacts,         R.string.nav_desc_contacts),
         NavItemDef(R.id.nav_transfer,         "nav_transfer",         R.drawable.ic_send,                 R.string.transfer,             R.string.nav_desc_transfer),
         NavItemDef(R.id.nav_pay_mv_qr,        "nav_pay_mv_qr",        R.drawable.ic_qr_scan,              R.string.pay_mv_qr,            R.string.nav_desc_pay_mv_qr),
@@ -51,14 +52,14 @@ object NavCustomization {
 
     fun getSlots(prefs: SharedPreferences): List<Int> = listOf(
         keyToId(prefs.getString("bottom_nav_slot_1_key", null), R.id.nav_accounts),
-        keyToId(prefs.getString("bottom_nav_slot_2_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("bottom_nav_slot_2_key", null), R.id.nav_chats),
         keyToId(prefs.getString("bottom_nav_slot_3_key", null), R.id.nav_transfer),
     )
 
     fun saveSlots(prefs: SharedPreferences, slots: List<Int>) {
         prefs.edit()
             .putString("bottom_nav_slot_1_key", idToKey(slots[0]) ?: "nav_accounts")
-            .putString("bottom_nav_slot_2_key", idToKey(slots[1]) ?: "nav_contacts")
+            .putString("bottom_nav_slot_2_key", idToKey(slots[1]) ?: "nav_chats")
             .putString("bottom_nav_slot_3_key", idToKey(slots[2]) ?: "nav_transfer")
             .apply()
     }
@@ -79,7 +80,7 @@ object NavCustomization {
     fun getCircularSlots(prefs: SharedPreferences): List<Int> = listOf(
         keyToId(prefs.getString("circular_slot_1_key", null), R.id.nav_transfer),
         keyToId(prefs.getString("circular_slot_2_key", null), R.id.nav_pay_with_card),
-        keyToId(prefs.getString("circular_slot_3_key", null), R.id.nav_contacts),
+        keyToId(prefs.getString("circular_slot_3_key", null), R.id.nav_chats),
         keyToId(prefs.getString("circular_slot_4_key", null), R.id.nav_accounts),
     )
 
@@ -87,7 +88,7 @@ object NavCustomization {
         prefs.edit()
             .putString("circular_slot_1_key", idToKey(slots[0]) ?: "nav_transfer")
             .putString("circular_slot_2_key", idToKey(slots[1]) ?: "nav_pay_with_card")
-            .putString("circular_slot_3_key", idToKey(slots[2]) ?: "nav_contacts")
+            .putString("circular_slot_3_key", idToKey(slots[2]) ?: "nav_chats")
             .putString("circular_slot_4_key", idToKey(slots[3]) ?: "nav_accounts")
             .apply()
     }

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

@@ -1,25 +1,14 @@
 package sh.sar.basedbank.ui.home
 
-import android.app.Activity
 import android.content.ClipData
-import android.content.ClipDescription
 import android.content.ClipboardManager
 import android.content.Context
-import android.content.DialogInterface
-import android.content.Intent
-import android.graphics.Bitmap
-import android.graphics.Color
 import android.os.Build
 import android.os.Bundle
-import android.os.PersistableBundle
-import android.text.Editable
-import android.text.TextWatcher
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.Toast
-import androidx.activity.result.contract.ActivityResultContracts
-import androidx.appcompat.widget.PopupMenu
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import androidx.recyclerview.widget.LinearLayoutManager
@@ -30,22 +19,14 @@ import kotlinx.coroutines.isActive
 import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import com.google.android.material.color.MaterialColors
-import com.google.android.material.dialog.MaterialAlertDialogBuilder
-import com.google.zxing.BarcodeFormat
-import com.google.zxing.EncodeHintType
-import com.google.zxing.qrcode.QRCodeWriter
-import com.google.zxing.qrcode.decoder.ErrorCorrectionLevel
 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
-import sh.sar.basedbank.databinding.DialogOtpExportSeedBinding
-import sh.sar.basedbank.databinding.DialogOtpUpdateSeedBinding
 import sh.sar.basedbank.databinding.FragmentOtpBinding
 import sh.sar.basedbank.databinding.ItemOtpCardBinding
 import sh.sar.basedbank.util.CredentialStore
-import sh.sar.basedbank.util.OtpauthParser
 import sh.sar.basedbank.util.Totp
 
 class OtpFragment : Fragment() {
@@ -53,35 +34,7 @@ class OtpFragment : Fragment() {
     private var _binding: FragmentOtpBinding? = null
     private val binding get() = _binding!!
 
-    private data class OtpEntry(
-        val bank: String, val loginId: String, val account: String, val name: String?, val seed: String
-    )
-
-    private val entries = mutableListOf<OtpEntry>()
-    private var adapter: OtpAdapter? = null
-
-    /** Seed field of the open "Update seed" dialog, filled by the QR scanner result. */
-    private var scanTarget: android.widget.EditText? = null
-
-    private val qrLauncher = registerForActivityResult(ActivityResultContracts.StartActivityForResult()) { result ->
-        if (result.resultCode != Activity.RESULT_OK) return@registerForActivityResult
-        val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return@registerForActivityResult
-        val target = scanTarget ?: return@registerForActivityResult
-        val found = OtpauthParser.parse(raw)
-        when {
-            found.isEmpty() -> Toast.makeText(requireContext(), "No OTP data found in QR", Toast.LENGTH_SHORT).show()
-            found.size == 1 -> target.setText(found[0].secret)
-            else -> {
-                val labels = found.map { e ->
-                    if (e.issuer.isNotBlank()) "${e.issuer} (${e.name})" else e.name.ifBlank { e.secret.take(8) + "…" }
-                }.toTypedArray()
-                MaterialAlertDialogBuilder(requireContext())
-                    .setTitle("Choose account")
-                    .setItems(labels) { _, i -> target.setText(found[i].secret) }
-                    .show()
-            }
-        }
-    }
+    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>() {
@@ -103,8 +56,6 @@ class OtpFragment : Fragment() {
             )
             update(b, entry.seed)
             b.root.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
-            // Long-press opens the seed menu (export / update)
-            b.root.setOnLongClickListener { showSeedMenu(it, holder.bindingAdapterPosition); true }
             b.btnCopyOtp.setOnClickListener { copyCode(it.context, b.tvOtpCode.text, "OTP copied") }
             b.btnCopyNextOtp.setOnClickListener { copyCode(it.context, b.tvNextOtpCode.text, "Next OTP copied") }
         }
@@ -140,170 +91,6 @@ class OtpFragment : Fragment() {
         }
     }
 
-    private fun showSeedMenu(anchor: View, position: Int) {
-        if (position == RecyclerView.NO_POSITION) return
-        val popup = PopupMenu(anchor.context, anchor)
-        popup.menu.add(0, 1, 0, "Export seed")
-        popup.menu.add(0, 2, 1, "Update seed")
-        popup.setOnMenuItemClickListener { item ->
-            val entry = entries.getOrNull(position) ?: return@setOnMenuItemClickListener false
-            when (item.itemId) {
-                1 -> showExportDialog(entry)
-                2 -> showUpdateDialog(position)
-            }
-            true
-        }
-        popup.show()
-    }
-
-    private fun entryTitle(entry: OtpEntry) = "${entry.bank} · ${entry.name ?: entry.account}"
-
-    // ── Export ───────────────────────────────────────────────────────────────
-
-    private fun showExportDialog(entry: OtpEntry) {
-        val ctx = requireContext()
-        val d = DialogOtpExportSeedBinding.inflate(layoutInflater)
-        val uri = OtpauthParser.buildUri(entry.bank, entry.seed)
-        d.tvSeed.text = entry.seed.chunked(4).joinToString(" ")
-        renderQr(uri, (220 * resources.displayMetrics.density).toInt())?.let { d.ivSeedQr.setImageBitmap(it) }
-        d.btnCopySeed.setOnClickListener { copySensitive(ctx, entry.seed, "Seed copied") }
-        MaterialAlertDialogBuilder(ctx)
-            .setTitle(entryTitle(entry))
-            .setView(d.root)
-            .setPositiveButton("Done", null)
-            .show()
-    }
-
-    private fun renderQr(content: String, size: Int): Bitmap? = try {
-        val hints = mapOf(
-            EncodeHintType.MARGIN to 0,
-            EncodeHintType.ERROR_CORRECTION to ErrorCorrectionLevel.M
-        )
-        val matrix = QRCodeWriter().encode(content, BarcodeFormat.QR_CODE, size, size, hints)
-        val pixels = IntArray(size * size) { i -> if (matrix[i % size, i / size]) Color.BLACK else Color.WHITE }
-        Bitmap.createBitmap(pixels, size, size, Bitmap.Config.ARGB_8888)
-    } catch (_: Exception) { null }
-
-    /** Copy a secret, flagged sensitive so Android 13+ hides it in the clipboard preview. */
-    private fun copySensitive(context: Context, text: String, message: String) {
-        val clip = ClipData.newPlainText("OTP seed", text)
-        if (Build.VERSION.SDK_INT >= Build.VERSION_CODES.TIRAMISU) {
-            clip.description.extras = PersistableBundle().apply {
-                putBoolean(ClipDescription.EXTRA_IS_SENSITIVE, true)
-            }
-        }
-        val clipboard = context.getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
-        clipboard.setPrimaryClip(clip)
-        if (Build.VERSION.SDK_INT < Build.VERSION_CODES.TIRAMISU) {
-            Toast.makeText(context, message, Toast.LENGTH_SHORT).show()
-        }
-    }
-
-    // ── Update ───────────────────────────────────────────────────────────────
-
-    private fun showUpdateDialog(position: Int) {
-        val entry = entries.getOrNull(position) ?: return
-        val ctx = requireContext()
-        val d = DialogOtpUpdateSeedBinding.inflate(layoutInflater)
-        d.tvSeedWarning.text = "Saving will replace the current seed for this login, and the old one " +
-            "can't be recovered. If you might still need it, export it first."
-
-        var newSeed: String? = null
-        // Same behaviour as the sign-in screen's preview card
-        val preview = d.cardOtp
-        preview.root.setOnClickListener { copyCode(it.context, preview.tvOtpCode.text, "OTP copied") }
-        fun refreshPreview() {
-            val seed = newSeed
-            try {
-                if (seed == null) throw IllegalArgumentException()
-                preview.tvOtpCode.text = Totp.generate(seed)
-                preview.tvNextOtpCode.text = Totp.generate(seed, periodOffset = 1)
-                preview.otpTimer.max = 30
-                preview.otpTimer.progress = 30 - (System.currentTimeMillis() / 1000L % 30).toInt()
-                preview.root.visibility = View.VISIBLE
-            } catch (_: Exception) {
-                preview.root.visibility = View.INVISIBLE
-            }
-        }
-
-        val dialog = MaterialAlertDialogBuilder(ctx)
-            .setTitle("Update seed · ${entry.bank}")
-            .setView(d.root)
-            .setPositiveButton("Replace", null)
-            .setNegativeButton("Cancel", null)
-            .create()
-
-        fun validate() {
-            val raw = d.etNewSeed.text?.toString().orEmpty()
-            newSeed = OtpauthParser.resolveSecret(raw)
-            d.tilNewSeed.error = when {
-                raw.isBlank() -> null
-                newSeed == null -> "Not a valid TOTP seed"
-                newSeed == entry.seed -> "This is already the current seed"
-                else -> null
-            }
-            if (newSeed == entry.seed) newSeed = null
-            dialog.getButton(DialogInterface.BUTTON_POSITIVE)?.isEnabled = newSeed != null
-            refreshPreview()
-        }
-
-        d.etNewSeed.addTextChangedListener(object : TextWatcher {
-            override fun afterTextChanged(s: Editable?) = validate()
-            override fun beforeTextChanged(s: CharSequence?, start: Int, count: Int, after: Int) {}
-            override fun onTextChanged(s: CharSequence?, start: Int, before: Int, count: Int) {}
-        })
-        d.btnScanNewSeed.setOnClickListener {
-            scanTarget = d.etNewSeed
-            qrLauncher.launch(Intent(ctx, QrScannerActivity::class.java))
-        }
-
-        val ticker = viewLifecycleOwner.lifecycleScope.launch {
-            while (isActive) { refreshPreview(); delay(1_000) }
-        }
-        dialog.setOnDismissListener {
-            ticker.cancel()
-            if (scanTarget === d.etNewSeed) scanTarget = null
-        }
-        dialog.setOnShowListener {
-            val replace = dialog.getButton(DialogInterface.BUTTON_POSITIVE)
-            replace.isEnabled = false
-            replace.setOnClickListener {
-                val seed = newSeed ?: return@setOnClickListener
-                confirmReplace(entry) {
-                    saveSeed(position, seed)
-                    dialog.dismiss()
-                }
-            }
-        }
-        dialog.show()
-    }
-
-    private fun confirmReplace(entry: OtpEntry, onConfirm: () -> Unit) {
-        MaterialAlertDialogBuilder(requireContext())
-            .setTitle("Delete old seed?")
-            .setMessage("The current seed for ${entryTitle(entry)} will be replaced and can't be " +
-                "recovered afterwards.")
-            .setPositiveButton("Replace") { _, _ -> onConfirm() }
-            .setNegativeButton("Cancel", null)
-            .show()
-    }
-
-    private fun saveSeed(position: Int, seed: String) {
-        val entry = entries.getOrNull(position) ?: return
-        val store = CredentialStore(requireContext())
-        when (entry.bank) {
-            "MIB" -> {
-                store.updateMibOtpSeed(entry.loginId, seed)
-                // The live flow keeps the seed in memory for silent re-login
-                (requireActivity().application as BasedBankApp).mibFlowFor(entry.loginId).updateOtpSeed(seed)
-            }
-            "BML" -> store.updateBmlOtpSeed(entry.loginId, seed)
-        }
-        entries[position] = entry.copy(seed = seed)
-        adapter?.notifyItemChanged(position)
-        Toast.makeText(requireContext(), "Seed updated", Toast.LENGTH_SHORT).show()
-    }
-
     private fun copyCode(context: Context, text: CharSequence, message: String) {
         val code = text.toString().replace(" ", "")
         if (code.isEmpty() || code.contains('-')) return
@@ -328,19 +115,16 @@ class OtpFragment : Fragment() {
         for (loginId in store.getMibLoginIds()) {
             val creds = store.loadMibCredentials(loginId) ?: continue
             val name = store.loadMibFullName(loginId)
-            tagged.add(CredentialStore.loginKey("mib", loginId) to
-                OtpEntry("MIB", loginId, creds.username, name, 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
-            tagged.add(CredentialStore.loginKey("bml", loginId) to
-                OtpEntry("BML", loginId, creds.username, name?.takeIf { it.isNotBlank() }, creds.otpSeed))
+            tagged.add(CredentialStore.loginKey("bml", loginId) to OtpEntry("BML", name?.takeIf { it.isNotBlank() }, creds.otpSeed))
         }
-        entries.clear()
-        entries.addAll(tagged.sortedBy { rank(it.first) }.map { it.second })
+        val entries = tagged.sortedBy { rank(it.first) }.map { it.second }.toMutableList()
 
-        val adapter = OtpAdapter(entries).also { this.adapter = it }
+        val adapter = OtpAdapter(entries)
         binding.recyclerView.layoutManager = LinearLayoutManager(requireContext())
         binding.recyclerView.adapter = adapter
         binding.emptyState.visibility = if (entries.isEmpty()) View.VISIBLE else View.GONE
@@ -363,7 +147,8 @@ class OtpFragment : Fragment() {
                             mobile = profile.mobile,
                             enrolled = profile.enrolled
                         ))
-                        val idx = entries.indexOfFirst { it.bank == "MIB" && it.loginId == loginId }
+                        val seed = store.loadMibCredentials(loginId)?.otpSeed
+                        val idx = entries.indexOfFirst { it.seed == seed }
                         if (idx >= 0) { entries[idx] = entries[idx].copy(name = profile.fullName); changed = true }
                     }
                 }
@@ -383,7 +168,8 @@ class OtpFragment : Fragment() {
                             idCard = info.idCard,
                             birthdate = info.birthdate
                         ))
-                        val idx = entries.indexOfFirst { it.bank == "BML" && it.loginId == loginId }
+                        val seed = store.loadBmlCredentials(loginId)?.otpSeed
+                        val idx = entries.indexOfFirst { it.seed == seed }
                         if (idx >= 0) { entries[idx] = entries[idx].copy(name = info.fullName); changed = true }
                     }
                 }
@@ -406,8 +192,6 @@ class OtpFragment : Fragment() {
 
     override fun onDestroyView() {
         super.onDestroyView()
-        adapter = null
-        scanTarget = null
         _binding = null
     }
 }

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

@@ -7,15 +7,12 @@ import android.os.Build
 import android.os.Bundle
 import android.os.Environment
 import android.provider.MediaStore
-import android.text.TextPaint
-import android.text.TextUtils
 import android.view.LayoutInflater
 import android.view.View
 import android.view.ViewGroup
 import android.widget.*
 import androidx.appcompat.content.res.AppCompatResources
 import androidx.core.content.FileProvider
-import androidx.core.content.res.ResourcesCompat
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
 import androidx.core.view.updatePadding
@@ -68,18 +65,7 @@ class PayMvQrFragment : Fragment() {
     private data class QrTarget(val accountNumber: String, val name: String, val bank: String)
 
     private fun currentTarget(): QrTarget? = contactTarget
-        ?: selectedAccount?.let { QrTarget(it.accountNumber, qrHolderName(it), it.bank) }
-
-    /** Name printed on the card and put in the payload (tag 59). */
-    private fun qrHolderName(account: BankAccount): String = when {
-        // Fahipay's brief name is the generic "Fahipay Wallet"; the holder's name is on the profile
-        account.bank == "FAHIPAY" -> account.profileName.takeIf { it.isNotBlank() && it != "Fahipay" }
-            ?: CredentialStore(requireContext())
-                .loadFahipayUserProfile(sh.sar.basedbank.util.ProfileImageStore.loginIdFromTag(account.loginTag))
-                ?.fullName?.takeIf { it.isNotBlank() }
-            ?: account.accountBriefName
-        else -> account.accountBriefName
-    }
+        ?: selectedAccount?.let { QrTarget(it.accountNumber, it.accountBriefName, it.bank) }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
         contactTarget = arguments?.let { args ->
@@ -160,13 +146,11 @@ class PayMvQrFragment : Fragment() {
             "FAHIPAY" -> "FAHIMVMV"
             else      -> "MADVMVMV"
         }
-        val amountRaw = binding.etAmount.text?.toString()?.trim()?.replace(",", "")
-        val amountFormatted = amountRaw
+        val amountFormatted = binding.etAmount.text?.toString()?.trim()
+            ?.replace(",", "")
             ?.toDoubleOrNull()
             ?.takeIf { it > 0 }
             ?.let { "%.2f".format(it) }
-        // BML shows the amount on the card as typed (no forced decimals)
-        val amountDisplay = amountRaw?.takeIf { amountFormatted != null }
 
         val ctx = requireContext()
         val account = selectedAccount
@@ -181,28 +165,17 @@ class PayMvQrFragment : Fragment() {
                 when {
                     m.startsWith("+") -> m
                     m.length == 7     -> "+960$m"
-                    m.length == 10 && m.startsWith("960") -> "+$m" // Fahipay stores 960XXXXXXX
                     else              -> m
                 }
             }
         } else null
 
         val purpose = binding.etReference.text?.toString()?.trim()
-            ?.takeIf { it.isNotBlank() }
-
-        // The reference (62/05) is also printed vertically beside the QR, as each bank does
-        val reference = when (target.bank) {
-            // BML: base-32 account number followed by the amount as typed
-            "BML"     -> ((target.accountNumber.toBigIntegerOrNull()?.toString(32)?.uppercase() ?: "") +
-                          (amountDisplay ?: "")).take(25).ifEmpty { generateReference(9) }
-            "FAHIPAY" -> "P" + generateReference(9) // Fahipay's own references are P + 9 chars
-            else      -> generateReference(9)
-        }
+            ?.takeIf { it.isNotBlank() } ?: getString(R.string.paymvqr_reference_default)
 
         val bmp = withContext(Dispatchers.Default) {
-            val payload = buildQrPayload(target.accountNumber, target.name, acquirer, amountFormatted, mobile, purpose, reference, target.bank)
-            if (target.bank == "FAHIPAY") renderFahipayQrCard(ctx, target, payload, reference)
-            else renderQrCard(ctx, target, payload, reference)
+            val payload = buildQrPayload(target.accountNumber, target.name, acquirer, amountFormatted, mobile, purpose)
+            renderQrCard(ctx, target, payload, amountFormatted)
         }
         if (_binding == null) return
         generatedBitmap = bmp
@@ -221,19 +194,14 @@ class PayMvQrFragment : Fragment() {
         acquirer: String,
         amountStr: String?,
         mobile: String?,
-        purpose: String?,
-        ref: String,
-        bank: String
+        purpose: String
     ): String {
         fun tlv(tag: String, value: String): String {
             val len = value.length
             return tag + (if (len < 10) "0$len" else "$len") + value
         }
         val format       = tlv("00", "01")
-        // Fahipay's own QRs are dynamic (12) when they carry an amount and mask the amount
-        // as "***" when they don't; its scanner may reject QRs that differ
-        val fahipay      = bank == "FAHIPAY"
-        val poi          = tlv("01", if (fahipay && !amountStr.isNullOrBlank()) "12" else "11")
+        val poi          = tlv("01", "11")
         val sub00        = tlv("00", "mv.favara.mpqr")
         val sub01        = tlv("01", acquirer)
         val sub02        = tlv("02", acquirer) // repeated acquirer, as per official PayMV app
@@ -243,28 +211,21 @@ class PayMvQrFragment : Fragment() {
         val merchantAcct = tlv("26", sub00 + sub01 + sub02 + sub03 + sub05 + sub10)
         val mcc          = tlv("52", "0000")
         val currency     = tlv("53", "462")
-        val amountTLV    = when {
-            !amountStr.isNullOrBlank() -> tlv("54", amountStr)
-            fahipay                    -> tlv("54", "***")
-            else                       -> ""
-        }
+        val amountTLV    = if (!amountStr.isNullOrBlank()) tlv("54", amountStr) else ""
         val country      = tlv("58", "MV")
-        val name         = tlv("59", accountName.uppercase().take(25))
-        // Fahipay's QRs always carry a city ("LD" + 4 digits) and default the purpose to PAYMENT
-        val city         = if (fahipay) tlv("60", "LD" + (0..9999).random().toString().padStart(4, '0')) else ""
-        val purposeText  = purpose?.takeIf { it.isNotBlank() } ?: if (fahipay) "PAYMENT" else null
-        val purposeTLV   = if (purposeText != null) tlv("08", purposeText) else ""
-        val addlData     = tlv("62", tlv("05", ref) + purposeTLV)
+        val name         = tlv("59", accountName.take(25))
+        val ref          = generateReference()
+        val addlData     = tlv("62", tlv("05", ref) + tlv("08", purpose))
         val timestamp    = java.time.LocalDateTime.now()
             .format(java.time.format.DateTimeFormatter.ofPattern("yyyy-MM-dd'T'HH:mm:ss.00000"))
         val tag80        = tlv("80", tlv("00", "mv.favara.mpqr") + tlv("01", timestamp))
-        val prefix       = format + poi + merchantAcct + mcc + currency + amountTLV + country + name + city + addlData + tag80 + "6304"
+        val prefix       = format + poi + merchantAcct + mcc + currency + amountTLV + country + name + addlData + tag80 + "6304"
         return prefix + crc16(prefix)
     }
 
-    private fun generateReference(length: Int): String {
+    private fun generateReference(): String {
         val chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789"
-        return (1..length).map { chars.random() }.joinToString("")
+        return (1..9).map { chars.random() }.joinToString("")
     }
 
     private fun crc16(data: String): String {
@@ -281,252 +242,88 @@ class PayMvQrFragment : Fragment() {
 
     // ── QR card rendering ────────────────────────────────────────────────────
 
-    /**
-     * Replicates the BML app's ReceiveCard (React Native, v2.1.47) 1:1. All measurements are in
-     * dp, as in BML's StyleSheet, laid out for BML's reference screen width and drawn at
-     * [PX_PER_DP] pixels per dp.
-     */
     private fun renderQrCard(
         ctx: Context,
         target: QrTarget,
         qrPayload: String,
-        qrId: String
+        amountStr: String?
     ): Bitmap {
-        val sw = SCREEN_WIDTH_DP
-        fun px(dp: Float) = dp * PX_PER_DP
-        val mmaBlue = Color.parseColor("#0E5CA4")
+        val W = 900
+        val H = 1080
+        val outerCorner = 48f
+        val boxBlue    = Color.parseColor("#2272B7")
+        val footerBlue = Color.parseColor("#1A5799")
+        val boxL = 24f; val boxT = 110f; val boxR = 876f; val boxB = 962f
 
-        val cardW = sw - 48f                 // screen's horizontal margins, spacing[5] each side
-        val qrSize = sw * 0.5f
-        val railW = sw / 1.85f
-
-        val namePaint = Paint(Paint.ANTI_ALIAS_FLAG).apply {
-            color = Color.WHITE
-            textSize = px(14f)
-            typeface = Typeface.DEFAULT
-            textAlign = Paint.Align.CENTER
-        }
-        val footerPaint = Paint(Paint.ANTI_ALIAS_FLAG).apply {
-            color = Color.WHITE
-            textSize = px(sw * 0.046f)
-            typeface = ResourcesCompat.getFont(ctx, R.font.sofia_pro_bold) ?: Typeface.DEFAULT_BOLD
-            letterSpacing = 1.2f / (sw * 0.046f) // RN letterSpacing is in dp, Paint's is in em
-            textAlign = Paint.Align.CENTER
-        }
-        // Android RN Text lines include font padding: line height = bottom - top
-        fun lineHeight(p: Paint) = p.fontMetrics.let { it.bottom - it.top } / PX_PER_DP
-
-        // --- Vertical layout (dp, card-local) ---
-        val topCardTop = 2f
-        val brandTop = topCardTop + 32f      // brandRow marginTop spacing[6]
-        val logoBoxW = sw * 0.38f            // bml-logo-paymv box: 0.38·sw wide
-        val logoBoxH = logoBoxW * 0.1116751269035533f
-        val payMvBoxW = sw * 0.2f            // paymv-logo box: 0.2·sw wide
-        val payMvBoxH = payMvBoxW * 0.17333333333333334f
-        val brandH = maxOf(logoBoxH, payMvBoxH)
-        val nameText = target.name.uppercase()
-        val hasName = nameText.isNotBlank()
-        val qrCardTop = brandTop + brandH + if (hasName) 24f else 32f
-        val nameTop = qrCardTop + 8f + 12f   // qrCard paddingTop spacing[2], name marginTop spacing[3]
-        val nameH = if (hasName) lineHeight(namePaint) else 0f
-        val qrTop = if (hasName) nameTop + nameH + 16f else qrCardTop + 37f
-        val qrCardBottom = qrTop + qrSize + 37f // paddingBottom spacing[6] + 5
-        val topCardBottom = qrCardBottom + 24f + 8f // qrCard marginBottom, topCard paddingBottom
-        val footerLineH = lineHeight(footerPaint)
-        val cardH = topCardBottom + 12f + footerLineH + 12f + 2f
-
-        val bm = Bitmap.createBitmap(px(cardW).toInt(), px(cardH).toInt(), Bitmap.Config.ARGB_8888)
+        val bm = Bitmap.createBitmap(W, H, Bitmap.Config.ARGB_8888)
         val canvas = Canvas(bm)
         val paint = Paint(Paint.ANTI_ALIAS_FLAG)
 
-        // captureWrapper: mmaBlue, radius 20 — shows as a 2dp border around the white top card
-        val outerPath = Path().apply {
-            addRoundRect(RectF(0f, 0f, px(cardW), px(cardH)), px(20f), px(20f), Path.Direction.CW)
-        }
+        // Clip to outer rounded card shape
+        val outerPath = Path()
+        outerPath.addRoundRect(RectF(0f, 0f, W.toFloat(), H.toFloat()), outerCorner, outerCorner, Path.Direction.CW)
         canvas.clipPath(outerPath)
-        canvas.drawColor(mmaBlue)
+        canvas.drawColor(Color.WHITE)
 
-        // topCard: white, 2dp inset, top corners 18
-        paint.color = Color.WHITE
-        val r = px(18f)
-        canvas.drawPath(Path().apply {
-            addRoundRect(
-                RectF(px(2f), px(topCardTop), px(cardW - 2f), px(topCardBottom)),
-                floatArrayOf(r, r, r, r, 0f, 0f, 0f, 0f), Path.Direction.CW
-            )
-        }, paint)
-
-        // --- brandRow: "BANK OF MALDIVES" wordmark left, "PayMV QR" right, 40dp side margins ---
-        val rowL = 2f + 40f
-        val rowR = cardW - 2f - 40f
-        val rowCenterY = brandTop + brandH / 2
-        val logoRes = if (target.bank == "BML") R.drawable.bml_logo_paymv else R.drawable.mib_faisanet_logo
+        // --- Bank logo top-left ---
+        val logoRes = when (target.bank) {
+            "BML"     -> R.drawable.bml_logo_vector
+            "MIB"     -> R.drawable.mib_faisanet_logo
+            else      -> R.drawable.fahipay_logo_long
+        }
         AppCompatResources.getDrawable(ctx, logoRes)?.let { d ->
             val nW = d.intrinsicWidth.coerceAtLeast(1)
             val nH = d.intrinsicHeight.coerceAtLeast(1)
-            // resizeMode "contain" inside the logo box, left-aligned in the row
-            val scale = minOf(px(logoBoxW) / nW, px(logoBoxH) / nH)
+            val maxW = 180f; val maxH = 76f
+            val scale = minOf(maxW / nW, maxH / nH)
             val lW = (nW * scale).toInt()
             val lH = (nH * scale).toInt()
-            val lLeft = (px(rowL) + (px(logoBoxW) - lW) / 2f).toInt()
-            val lTop = (px(rowCenterY) - lH / 2f).toInt()
-            d.setBounds(lLeft, lTop, lLeft + lW, lTop + lH)
+            val lTop = ((boxT - lH) / 2).toInt().coerceAtLeast(10)
+            d.setBounds(24, lTop, 24 + lW, lTop + lH)
             d.draw(canvas)
         }
-        // BML draws the paymv-logo image (fills its box exactly), nudged down 1dp
-        paint.color = mmaBlue
-        paint.typeface = footerPaint.typeface
+
+        // --- "PayMV QR" top-right ---
+        paint.color = Color.parseColor("#1A1A2E")
+        paint.textSize = 36f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
         paint.textAlign = Paint.Align.RIGHT
-        paint.textSize = px(payMvBoxH)
-        paint.textSize *= px(payMvBoxW) / paint.measureText("PayMV QR")
-        val payMvBounds = Rect().also { paint.getTextBounds("PayMV QR", 0, 8, it) }
-        canvas.drawText(
-            "PayMV QR", px(rowR),
-            px(rowCenterY + 1f) - payMvBounds.exactCenterY(), paint
-        )
+        canvas.drawText("PayMV QR", W - 28f, 66f, paint)
 
-        // --- qrCard: mmaBlue, radius 16, 40dp side margins ---
-        val qrCardL = 2f + 40f
-        val qrCardR = cardW - 2f - 40f
-        paint.color = mmaBlue
-        canvas.drawRoundRect(RectF(px(qrCardL), px(qrCardTop), px(qrCardR), px(qrCardBottom)), px(16f), px(16f), paint)
+        // --- Blue rounded box ---
+        paint.color = boxBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRoundRect(RectF(boxL, boxT, boxR, boxB), 36f, 36f, paint)
 
-        if (hasName) {
-            val maxNameW = px(qrCardR - qrCardL)
-            if (namePaint.measureText(nameText) > maxNameW) {
-                namePaint.textSize *= maxNameW / namePaint.measureText(nameText)
-            }
-            canvas.drawText(nameText, px(cardW / 2), px(nameTop) - namePaint.fontMetrics.top, namePaint)
-        }
-
-        // QR — white modules on mmaBlue, ECL M, no quiet zone (react-native-qrcode-svg defaults)
-        val qrPx = px(qrSize).toInt()
-        val qrLeft = px(cardW / 2) - qrPx / 2f
-        try {
-            val hints = mapOf(
-                EncodeHintType.MARGIN to 0,
-                EncodeHintType.ERROR_CORRECTION to ErrorCorrectionLevel.M
-            )
-            val matrix = QRCodeWriter().encode(qrPayload, BarcodeFormat.QR_CODE, qrPx, qrPx, hints)
-            val pixels = IntArray(qrPx * qrPx)
-            for (y in 0 until qrPx) {
-                for (x in 0 until qrPx) {
-                    pixels[y * qrPx + x] = if (matrix[x, y]) Color.WHITE else mmaBlue
-                }
-            }
-            val qrBm = Bitmap.createBitmap(pixels, qrPx, qrPx, Bitmap.Config.ARGB_8888)
-            canvas.drawBitmap(qrBm, qrLeft, px(qrTop), null)
-            qrBm.recycle()
-        } catch (_: Exception) { /* skip if encoding fails */ }
-
-        // qrIdRail: the reference, rotated -90°, beside the QR's right edge
-        if (qrId.isNotEmpty()) {
-            val idPaint = Paint(Paint.ANTI_ALIAS_FLAG).apply {
-                color = Color.BLACK
-                alpha = (255 * 0.8f).toInt()
-                textSize = px(10f)
-                typeface = Typeface.DEFAULT
-                textAlign = Paint.Align.CENTER
-            }
-            val qrRight = cardW / 2 + qrSize / 2
-            val cx = px(qrRight + railW / 1.37f - railW / 2)
-            val cy = px(qrTop + (qrSize + railW / 1.5f) / 2)
-            val idText = TextUtils.ellipsize(qrId, TextPaint(idPaint), px(railW), TextUtils.TruncateAt.END).toString()
-            canvas.save()
-            canvas.rotate(-90f, cx, cy)
-            val fm = idPaint.fontMetrics
-            canvas.drawText(idText, cx, cy - (fm.bottom + fm.top) / 2, idPaint)
-            canvas.restore()
-        }
-
-        // --- footer: SofiaPro-Bold, letterSpacing 1.2 ---
-        canvas.drawText(
-            "MALDIVES NATIONAL QR", px(cardW / 2),
-            px(topCardBottom + 12f) - footerPaint.fontMetrics.top, footerPaint
-        )
-
-        return bm
-    }
-
-    /**
-     * Replicates the card Fahipay's server renders for PayMV QR (api/app/qr/), measured
-     * in pixels on its 1240×1322 image. Fonts follow the BML card (Sofia Pro Bold, Roboto),
-     * except the vertical reference, which is Montserrat as on Fahipay's.
-     */
-    private fun renderFahipayQrCard(
-        ctx: Context,
-        target: QrTarget,
-        qrPayload: String,
-        reference: String
-    ): Bitmap {
-        val w = 1240f
-        val h = 1322f
-        val blue = Color.parseColor("#005DA3")
-        val sofiaBold = ResourcesCompat.getFont(ctx, R.font.sofia_pro_bold) ?: Typeface.DEFAULT_BOLD
-        val montserrat = ResourcesCompat.getFont(ctx, R.font.montserrat_regular) ?: Typeface.DEFAULT
-
-        val bm = Bitmap.createBitmap(w.toInt(), h.toInt(), Bitmap.Config.ARGB_8888)
-        val canvas = Canvas(bm)
-        val paint = Paint(Paint.ANTI_ALIAS_FLAG)
-
-        // Blue card with a 6px border around the white area; footer is the blue below it
-        canvas.clipPath(Path().apply {
-            addRoundRect(RectF(0f, 0f, w, h), 50f, 50f, Path.Direction.CW)
-        })
-        canvas.drawColor(blue)
+        // Account name (white, bold, uppercase, auto-scaled to fit)
         paint.color = Color.WHITE
-        canvas.drawPath(Path().apply {
-            addRoundRect(
-                RectF(6f, 6f, w - 6f, 1174f),
-                floatArrayOf(44f, 44f, 44f, 44f, 0f, 0f, 0f, 0f), Path.Direction.CW
-            )
-        }, paint)
-
-        // Square app icon, then the "FahiPay" wordmark, in one row
-        AppCompatResources.getDrawable(ctx, R.drawable.fahipay_logo)?.let { d ->
-            d.setBounds(94, 94, 163, 163)
-            d.draw(canvas)
-        }
-        AppCompatResources.getDrawable(ctx, R.drawable.fahipay_logo_long)?.let { d ->
-            val lH = 48
-            val lW = (lH * d.intrinsicWidth.toFloat() / d.intrinsicHeight.coerceAtLeast(1)).toInt()
-            d.setBounds(178, 104, 178 + lW, 104 + lH)
-            d.draw(canvas)
-        }
-
-        // Sized so capitals match the reference's cap heights; positions below are cap tops
-        fun textPaint(tf: Typeface, capH: Float, spacingEm: Float, align: Paint.Align) =
-            Paint(Paint.ANTI_ALIAS_FLAG).apply {
-                typeface = tf
-                letterSpacing = spacingEm
-                textAlign = align
-                textSize = 100f
-                val h = Rect().also { getTextBounds("H", 0, 1, it) }.height().coerceAtLeast(1)
-                textSize = 100f * capH / h
-            }
-        fun Paint.capHeight() = Rect().also { getTextBounds("H", 0, 1, it) }.height()
-
-        // "PayMV QR" top-right
-        val payMvPaint = textPaint(sofiaBold, 30f, 0f, Paint.Align.RIGHT).apply { color = blue }
-        canvas.drawText("PayMV QR", 1147f, 101f + 30f, payMvPaint)
-
-        // Blue QR panel
-        paint.color = blue
-        canvas.drawRoundRect(RectF(166f, 218f, 1074f, 1126f), 55f, 55f, paint)
-
-        // Account name
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
         val nameText = target.name.uppercase()
-        if (nameText.isNotBlank()) {
-            val namePaint = textPaint(Typeface.DEFAULT, 30f, 0f, Paint.Align.CENTER).apply { color = Color.WHITE }
-            val maxNameW = 1074f - 166f - 80f
-            if (namePaint.measureText(nameText) > maxNameW) {
-                namePaint.textSize *= maxNameW / namePaint.measureText(nameText)
-            }
-            canvas.drawText(nameText, 619f, 314f + namePaint.capHeight(), namePaint)
+        paint.textSize = 36f
+        val maxNameW = boxR - boxL - 48f
+        if (paint.measureText(nameText) > maxNameW) {
+            paint.textSize = 36f * maxNameW / paint.measureText(nameText)
+        }
+        val nameBaseline = boxT + 68f
+        canvas.drawText(nameText, W / 2f, nameBaseline, paint)
+
+        // Optional amount below name
+        val qrTopY: Float
+        if (!amountStr.isNullOrBlank()) {
+            paint.textSize = 28f
+            paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.NORMAL)
+            val amtBaseline = nameBaseline + 42f
+            canvas.drawText("MVR $amountStr", W / 2f, amtBaseline, paint)
+            qrTopY = amtBaseline + 20f
+        } else {
+            qrTopY = nameBaseline + 26f
         }
 
-        // QR — white modules on blue, no quiet zone
-        val qrPx = 562
+        // QR code — white modules on the same blue as the box background
+        val availH = boxB - qrTopY - 24f
+        val qrPx = minOf(availH, boxR - boxL - 48f).toInt().coerceAtMost(700).coerceAtLeast(200)
+        val qrLeft = ((W - qrPx) / 2).toFloat()
         try {
             val hints = mapOf(
                 EncodeHintType.MARGIN to 0,
@@ -536,25 +333,23 @@ class PayMvQrFragment : Fragment() {
             val pixels = IntArray(qrPx * qrPx)
             for (y in 0 until qrPx) {
                 for (x in 0 until qrPx) {
-                    pixels[y * qrPx + x] = if (matrix[x, y]) Color.WHITE else blue
+                    pixels[y * qrPx + x] = if (matrix[x, y]) Color.WHITE else boxBlue
                 }
             }
             val qrBm = Bitmap.createBitmap(pixels, qrPx, qrPx, Bitmap.Config.ARGB_8888)
-            canvas.drawBitmap(qrBm, 338f, 417f, null)
+            canvas.drawBitmap(qrBm, qrLeft, qrTopY, null)
             qrBm.recycle()
         } catch (_: Exception) { /* skip if encoding fails */ }
 
-        // Reference, blue, reading bottom-to-top in the white margin right of the panel,
-        // starting level with y=1087 and with its baseline at x=1171
-        val refPaint = textPaint(montserrat, 27f, 0.005f, Paint.Align.LEFT).apply { color = blue }
-        canvas.save()
-        canvas.rotate(-90f, 1171f, 1087f)
-        canvas.drawText(reference, 1171f, 1087f, refPaint)
-        canvas.restore()
-
-        // Footer
-        val footerPaint = textPaint(sofiaBold, 55.5f, 1.2f / 25.76f, Paint.Align.CENTER).apply { color = Color.WHITE }
-        canvas.drawText("MALDIVES NATIONAL QR", w / 2, 1220f + 55.5f, footerPaint)
+        // --- Dark blue footer ---
+        paint.color = footerBlue
+        paint.textAlign = Paint.Align.LEFT
+        canvas.drawRect(RectF(0f, 970f, W.toFloat(), H.toFloat()), paint)
+        paint.color = Color.WHITE
+        paint.textSize = 32f
+        paint.typeface = Typeface.create(Typeface.DEFAULT, Typeface.BOLD)
+        paint.textAlign = Paint.Align.CENTER
+        canvas.drawText("MALDIVES NATIONAL QR", W / 2f, 1038f, paint)
 
         return bm
     }
@@ -642,10 +437,6 @@ class PayMvQrFragment : Fragment() {
         private const val ARG_ACCOUNT_NAME = "account_name"
         private const val ARG_BANK = "bank"
 
-        /** BML's layout reference: the screen width (dp) its ReceiveCard sizes were captured at. */
-        private const val SCREEN_WIDTH_DP = 560f
-        private const val PX_PER_DP = 2f
-
         /** 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 {

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

@@ -80,8 +80,6 @@ class TransferFragment : Fragment() {
     private var resolvedAccountNumber = ""
     private var resolvedRecipientName = ""
     private var resolvedBankName = ""
-    /** Last real profile/contact photo loaded into the "To" card (not an initials placeholder). */
-    private var loadedToPhoto: Bitmap? = null
     private var resolvedDestCurrency = ""  // "MVR" / "USD" / "" if unknown
     private var resolvedToOwnAccount: BankAccount? = null
 
@@ -117,7 +115,7 @@ class TransferFragment : Fragment() {
                 clearForm()
                 val activity = requireActivity() as HomeActivity
                 activity.triggerRefresh()
-                activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+                showReceipt(receipt, avatar)
             }
         ).also { bmlHandler = it }
 
@@ -157,7 +155,7 @@ class TransferFragment : Fragment() {
                 clearForm()
                 val activity = requireActivity() as HomeActivity
                 activity.triggerRefresh()
-                activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+                showReceipt(receipt, avatar)
             }
         ).also { mfaisaHandler = it }
 
@@ -247,15 +245,21 @@ class TransferFragment : Fragment() {
         private const val ARG_REMARKS_PREFILL = "remarks_prefill"
         private const val ARG_BML_QR_URL = "bml_qr_url"
         private const val ARG_AUTO_SCAN = "auto_scan"
+        private const val ARG_RETURN_ON_SUCCESS = "return_on_success"
+        private const val ARG_AUTO_CONFIRM = "auto_confirm"
+
+        /** Fragment result sent instead of opening the receipt when [ARG_RETURN_ON_SUCCESS] is set. */
+        const val RESULT_TRANSFER_DONE = "transfer_done"
 
         fun newInstanceWithAutoScan() = TransferFragment().apply {
             arguments = Bundle().apply { putBoolean(ARG_AUTO_SCAN, true) }
         }
 
-        fun newInstanceFromBmlQr(qrUrl: String, fromAccountNumber: String? = null) = TransferFragment().apply {
+        fun newInstanceFromBmlQr(qrUrl: String, fromAccountNumber: String? = null, returnOnSuccess: Boolean = false) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_BML_QR_URL, qrUrl)
                 if (fromAccountNumber != null) putString(ARG_FROM_ACCOUNT, fromAccountNumber)
+                if (returnOnSuccess) putBoolean(ARG_RETURN_ON_SUCCESS, true)
             }
         }
 
@@ -284,7 +288,9 @@ class TransferFragment : Fragment() {
             displayName: String,
             amount: String?,
             remarks: String?,
-            fromAccountNumber: String? = null
+            fromAccountNumber: String? = null,
+            returnOnSuccess: Boolean = false,
+            autoConfirm: Boolean = false
         ) = TransferFragment().apply {
             arguments = Bundle().apply {
                 putString(ARG_ACCOUNT, accountNumber)
@@ -294,10 +300,35 @@ class TransferFragment : Fragment() {
                 if (fromAccountNumber != null) putString(ARG_FROM_ACCOUNT, fromAccountNumber)
                 if (amount != null) putString(ARG_AMOUNT_PREFILL, amount)
                 if (remarks != null) putString(ARG_REMARKS_PREFILL, remarks)
+                if (returnOnSuccess) putBoolean(ARG_RETURN_ON_SUCCESS, true)
+                if (autoConfirm) putBoolean(ARG_AUTO_CONFIRM, true)
             }
         }
     }
 
+    /**
+     * Opens the receipt, or — when opened with returnOnSuccess (e.g. from a chat) — goes back to
+     * the caller and tells it via [RESULT_TRANSFER_DONE] on the activity's fragment manager;
+     * the receipt is already in ReceiptStore.
+     */
+    private fun showReceipt(receipt: TransferReceiptData, avatar: Bitmap?) {
+        if (!returnToCallerIfRequested()) {
+            (requireActivity() as HomeActivity).showWithBackStack(TransferReceiptFragment.newInstance(receipt, avatar))
+        }
+    }
+
+    /**
+     * When opened with returnOnSuccess, tells the caller the payment went through and goes back to
+     * it — closing the sheet this page is hosted in, if any. Returns false when not requested.
+     */
+    internal fun returnToCallerIfRequested(): Boolean {
+        if (arguments?.getBoolean(ARG_RETURN_ON_SUCCESS) != true) return false
+        requireActivity().supportFragmentManager.setFragmentResult(RESULT_TRANSFER_DONE, Bundle())
+        val sheet = parentFragment as? androidx.fragment.app.DialogFragment
+        if (sheet != null) sheet.dismiss() else parentFragmentManager.popBackStack()
+        return true
+    }
+
     override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
         _binding = FragmentTransferBinding.inflate(inflater, container, false)
         return binding.root
@@ -380,6 +411,16 @@ class TransferFragment : Fragment() {
         arguments?.getString(ARG_AMOUNT_PREFILL)?.let { binding.etAmount.setText(it) }
         arguments?.getString(ARG_REMARKS_PREFILL)?.let { binding.etRemarks.setText(it) }
 
+        // Opened fully filled in (e.g. from a chat): go straight to the confirm dialog, once. Posted
+        // so the source account, picked when the accounts arrive, is selected first.
+        if (arguments?.getBoolean(ARG_AUTO_CONFIRM) == true) {
+            view.post {
+                if (_binding == null || arguments?.getBoolean(ARG_AUTO_CONFIRM) != true) return@post
+                arguments?.remove(ARG_AUTO_CONFIRM)
+                if (selectedAccount != null && resolvedAccountNumber.isNotBlank()) initiateTransfer()
+            }
+        }
+
         arguments?.getString(ARG_BML_QR_URL)?.let { bmlHandler().lookupQrMerchant(it) }
 
         if (arguments?.getBoolean(ARG_AUTO_SCAN, false) == true) {
@@ -1170,8 +1211,6 @@ class TransferFragment : Fragment() {
         val destDisplay = binding.tvToAccountName.text?.toString() ?: resolvedAccountNumber
         val bankNameCapture = resolvedBankName
         val capturedToAvatar = (binding.ivToPhoto.drawable as? android.graphics.drawable.BitmapDrawable)?.bitmap
-        // The MIB receipt only takes a real photo; it draws its own initials placeholder otherwise
-        val capturedToPhoto = capturedToAvatar?.takeIf { it === loadedToPhoto }
 
         val destCurrency = resolvedDestCurrency.ifBlank {
             allAccounts.firstOrNull { it.accountNumber == resolvedAccountNumber }
@@ -1209,7 +1248,7 @@ class TransferFragment : Fragment() {
                         val activity = requireActivity() as HomeActivity
                         activity.triggerRefresh()
                         dialog.dismiss()
-                        activity.showWithBackStack(TransferReceiptFragment.newInstance(receipt, capturedToPhoto))
+                        showReceipt(receipt, capturedToAvatar)
                     } else if (!ok) {
                         dialog.dismiss()
                         if (msg == "CONNECTIVITY") {
@@ -1585,7 +1624,6 @@ class TransferFragment : Fragment() {
                 if (_binding != null) {
                     binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
                     binding.ivToPhoto.setImageBitmap(bitmap)
-                    loadedToPhoto = bitmap
                 }
             }
         }

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

@@ -14,8 +14,6 @@ data class TransferReceiptData(
     // MIB receipt fields
     val mibReferenceNo: String = "",
     val mibTransactionDate: String = "",
-    val mibFromProfileName: String = "",
-    val mibTransactionType: String = "", // "Own Transfer", "MIB Transfer", "Quick Transfer"
     // BML receipt fields
     val bmlFromName: String = "",
     val bmlReference: String = "",

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

@@ -24,7 +24,6 @@ import android.widget.Toast
 import androidx.core.content.FileProvider
 import androidx.core.view.ViewCompat
 import androidx.core.view.WindowInsetsCompat
-import androidx.core.view.updatePadding
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
 import com.google.android.material.button.MaterialButton
@@ -34,8 +33,6 @@ import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
 import sh.sar.basedbank.api.mib.MibContactsClient
-import sh.sar.basedbank.databinding.DialogReceiptFullscreenBmlBinding
-import sh.sar.basedbank.databinding.DialogReceiptFullscreenMibBinding
 import sh.sar.basedbank.databinding.FragmentReceiptBmlBinding
 import sh.sar.basedbank.databinding.FragmentReceiptMfaisaBinding
 import sh.sar.basedbank.databinding.FragmentReceiptMibBinding
@@ -64,8 +61,6 @@ class TransferReceiptFragment : Fragment() {
         private const val ARG_REMARKS             = "remarks"
         private const val ARG_MIB_REF             = "mib_ref"
         private const val ARG_MIB_DATE            = "mib_date"
-        private const val ARG_MIB_FROM_PROFILE    = "mib_from_profile"
-        private const val ARG_MIB_TXN_TYPE        = "mib_txn_type"
         private const val ARG_BML_FROM_NAME       = "bml_from_name"
         private const val ARG_BML_REFERENCE       = "bml_reference"
         private const val ARG_BML_TIMESTAMP       = "bml_timestamp"
@@ -94,8 +89,6 @@ class TransferReceiptFragment : Fragment() {
                 putString(ARG_REMARKS,        data.remarks)
                 putString(ARG_MIB_REF,        data.mibReferenceNo)
                 putString(ARG_MIB_DATE,       data.mibTransactionDate)
-                putString(ARG_MIB_FROM_PROFILE, data.mibFromProfileName)
-                putString(ARG_MIB_TXN_TYPE,   data.mibTransactionType)
                 putString(ARG_BML_FROM_NAME,  data.bmlFromName)
                 putString(ARG_BML_REFERENCE,  data.bmlReference)
                 putString(ARG_BML_TIMESTAMP,  data.bmlTimestamp)
@@ -175,64 +168,43 @@ class TransferReceiptFragment : Fragment() {
     private fun bindMib(binding: FragmentReceiptMibBinding) {
         val args = requireArguments()
         val fromLabel       = args.getString(ARG_FROM_LABEL, "")
+        val fromColor       = args.getString(ARG_FROM_COLOR, "#FE860E")
         val fromProfileHash = args.getString(ARG_FROM_PROFILE_HASH)
         val toLabel         = args.getString(ARG_TO_LABEL, "")
         val currency        = args.getString(ARG_CURRENCY, "MVR")
         val amount          = args.getString(ARG_AMOUNT, "")
 
         // From avatar: initials first, then load profile image if hash available
-        binding.ivFromAvatar.setImageBitmap(makeMibInitialsBitmap(fromLabel))
+        binding.ivFromAvatar.setImageBitmap(makeInitialsBitmap(fromLabel, fromColor))
         binding.tvFromLabel.text = fromLabel
         if (fromProfileHash != null) {
-            loadProfileImage(fromProfileHash, isProfile = true) { binding.ivFromAvatar.setImageBitmap(circleCrop(it)) }
+            loadProfileImage(fromProfileHash, isProfile = true) { binding.ivFromAvatar.setImageBitmap(it) }
         }
 
         // To avatar: use already-rendered bitmap from TransferFragment if available
         val toAvatar = pendingToAvatarBitmap
         if (toAvatar != null) {
-            binding.ivToAvatar.setImageBitmap(circleCrop(toAvatar))
+            binding.ivToAvatar.setImageBitmap(toAvatar)
         } else {
-            binding.ivToAvatar.setImageBitmap(makeMibInitialsBitmap(toLabel))
+            binding.ivToAvatar.setImageBitmap(makeInitialsBitmap(toLabel, "#607D8B"))
         }
         binding.tvToLabel.text = toLabel
 
         binding.tvAmount.text = "$currency $amount"
-
-        val toBank  = args.getString(ARG_TO_BANK, "")
-        val rawDate = args.getString(ARG_MIB_DATE, "")
         binding.tvReferenceNo.text     = args.getString(ARG_MIB_REF, "")
-        binding.tvFromName.text        = args.getString(ARG_MIB_FROM_PROFILE, "").ifBlank { fromLabel }
-        binding.tvToAccount.text       = listOf(toLabel, args.getString(ARG_TO_ACCOUNT, ""))
-            .filter { it.isNotBlank() }.joinToString("\n")
-        binding.tvToBank.text          = toBank
-        // Receipts saved before the type was recorded fall back to a guess from the bank
-        binding.tvTransactionType.text = args.getString(ARG_MIB_TXN_TYPE, "").ifBlank {
-            if (toBank == "MIB") "MIB Transfer" else "Quick Transfer"
-        }
-        binding.tvTransactionDate.text = formatMibDate(rawDate, "dd MMM yyyy HH:mm")
-        binding.tvValueDate.text       = formatMibDate(rawDate, "dd MMM yyyy")
+        binding.tvToAccount.text       = args.getString(ARG_TO_ACCOUNT, "")
+        binding.tvToBank.text          = args.getString(ARG_TO_BANK, "")
+        binding.tvTransactionDate.text = args.getString(ARG_MIB_DATE, "")
+        binding.tvValueDate.text       = args.getString(ARG_MIB_DATE, "")
         binding.tvPurpose.text         = args.getString(ARG_REMARKS, "")
-            .takeUnless { it.isNullOrBlank() || it.trim() == "-" } ?: "N/A"
 
         copyOnLongClick(
-            binding.tvFromLabel, binding.tvToLabel, binding.tvAmount, binding.tvStatus,
-            binding.tvReferenceNo, binding.tvFromName, binding.tvToAccount, binding.tvToBank,
-            binding.tvTransactionType, binding.tvTransactionDate, binding.tvValueDate, binding.tvPurpose
+            binding.tvFromLabel, binding.tvToLabel, binding.tvAmount,
+            binding.tvReferenceNo, binding.tvToAccount, binding.tvToBank,
+            binding.tvTransactionDate, binding.tvValueDate, binding.tvPurpose
         )
     }
 
-    /** Reformats the MIB transfer date ("2026-05-16 15:10:25") to [pattern]; raw text if unparseable. */
-    private fun formatMibDate(raw: String, pattern: String): String {
-        if (raw.isBlank()) return ""
-        val out = DateTimeFormatter.ofPattern(pattern, Locale.US)
-        for (inPattern in listOf("yyyy-MM-dd HH:mm:ss", "yyyy-MM-dd HH:mm", "dd MMM yyyy HH:mm")) {
-            try {
-                return java.time.LocalDateTime.parse(raw.trim(), DateTimeFormatter.ofPattern(inPattern, Locale.US)).format(out)
-            } catch (_: Exception) { }
-        }
-        return raw
-    }
-
     private fun loadProfileImage(hash: String, isProfile: Boolean, onLoaded: (Bitmap) -> Unit) {
         val app = requireActivity().application as BasedBankApp
         val sess = app.anyMibSession() ?: return
@@ -403,13 +375,8 @@ class TransferReceiptFragment : Fragment() {
      * applied to fit small viewports and doesn't pick up overlapping siblings.
      */
     private fun captureReceiptBitmap(callback: (Bitmap?) -> Unit) {
-        val shown = _receiptCard ?: run { callback(null); return }
-        if (shown.width == 0 || shown.height == 0) { callback(null); return }
-
-        // BML: the preview follows the app theme, but shared/saved images are always light
-        val view = if (arguments?.getString(ARG_BANK, "MIB") == "BML") {
-            inflateLightBmlCard(shown.width)
-        } else shown
+        val view = _receiptCard ?: run { callback(null); return }
+        if (view.width == 0 || view.height == 0) { callback(null); return }
 
         val bitmap = Bitmap.createBitmap(view.width, view.height, Bitmap.Config.ARGB_8888)
         val canvas = Canvas(bitmap)
@@ -418,27 +385,6 @@ class TransferReceiptFragment : Fragment() {
         callback(bitmap)
     }
 
-    /** Inflates and lays out an offscreen BML receipt card with light-mode resources. */
-    private fun inflateLightBmlCard(widthPx: Int): View {
-        val config = android.content.res.Configuration(resources.configuration).apply {
-            uiMode = (uiMode and android.content.res.Configuration.UI_MODE_NIGHT_MASK.inv()) or
-                    android.content.res.Configuration.UI_MODE_NIGHT_NO
-        }
-        val lightCtx = android.view.ContextThemeWrapper(requireContext(), R.style.Theme_BasedBank).apply {
-            applyOverrideConfiguration(config)
-        }
-        val binding = FragmentReceiptBmlBinding.inflate(LayoutInflater.from(lightCtx))
-        bindBml(binding)
-        val card = binding.receiptCard
-        (card.parent as? ViewGroup)?.removeView(card)
-        card.measure(
-            View.MeasureSpec.makeMeasureSpec(widthPx, View.MeasureSpec.EXACTLY),
-            View.MeasureSpec.makeMeasureSpec(0, View.MeasureSpec.UNSPECIFIED)
-        )
-        card.layout(0, 0, card.measuredWidth, card.measuredHeight)
-        return card
-    }
-
     private fun formatBmlTimestamp(raw: String): String {
         if (raw.isBlank()) return ""
         return try {
@@ -448,46 +394,26 @@ class TransferReceiptFragment : Fragment() {
         }
     }
 
-    /** Center-crops [src] to a square and masks it to a circle. */
-    private fun circleCrop(src: Bitmap): Bitmap {
-        val size = minOf(src.width, src.height)
-        val out = Bitmap.createBitmap(size, size, Bitmap.Config.ARGB_8888)
-        val paint = Paint(Paint.ANTI_ALIAS_FLAG or Paint.FILTER_BITMAP_FLAG).apply {
-            shader = android.graphics.BitmapShader(src, android.graphics.Shader.TileMode.CLAMP, android.graphics.Shader.TileMode.CLAMP).apply {
-                setLocalMatrix(android.graphics.Matrix().apply {
-                    setTranslate(-(src.width - size) / 2f, -(src.height - size) / 2f)
-                })
-            }
-        }
-        Canvas(out).drawCircle(size / 2f, size / 2f, size / 2f, paint)
-        return out
-    }
-
-    /** MIB receipt placeholder: up to two initials in #1168F3 on a #C6E1FD circle. */
-    private fun makeMibInitialsBitmap(name: String): Bitmap {
+    private fun makeInitialsBitmap(name: String, colorHex: String): Bitmap {
         val sizePx = (resources.displayMetrics.density * 52).toInt()
+        val bgColor = try { Color.parseColor(colorHex) } catch (_: Exception) { Color.GRAY }
         val bm = Bitmap.createBitmap(sizePx, sizePx, Bitmap.Config.ARGB_8888)
         val canvas = Canvas(bm)
         val paint = Paint(Paint.ANTI_ALIAS_FLAG)
-        paint.color = Color.parseColor("#C6E1FD")
+        paint.color = bgColor
         canvas.drawCircle(sizePx / 2f, sizePx / 2f, sizePx / 2f, paint)
-        paint.color = Color.parseColor("#1168F3")
-        paint.textSize = sizePx * 0.36f
+        paint.color = Color.WHITE
+        paint.textSize = sizePx * 0.42f
         paint.textAlign = Paint.Align.CENTER
-        paint.typeface = android.graphics.Typeface.DEFAULT_BOLD
-        val initials = name.split(Regex("\\s+"))
-            .mapNotNull { word -> word.firstOrNull { it.isLetterOrDigit() }?.uppercaseChar() }
-            .take(2).joinToString("").ifEmpty { "?" }
+        val letter = name.firstOrNull()?.uppercaseChar()?.toString() ?: "?"
         val metrics = paint.fontMetrics
-        canvas.drawText(initials, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
+        canvas.drawText(letter, sizePx / 2f, sizePx / 2f - (metrics.ascent + metrics.descent) / 2f, paint)
         return bm
     }
 
     private fun showFullScreenReceipt() {
         val ctx = requireContext()
         val bank = arguments?.getString(ARG_BANK, "MIB") ?: "MIB"
-        if (bank == "BML") { showBmlFullScreenReceipt(); return }
-        if (bank == "MIB") { showMibFullScreenReceipt(); return }
         val dialog = Dialog(ctx, android.R.style.Theme_Black_NoTitleBar_Fullscreen)
 
         val scrollView = android.widget.ScrollView(ctx).apply {
@@ -540,113 +466,6 @@ class TransferReceiptFragment : Fragment() {
         }
     }
 
-    /**
-     * BML full-screen receipt: status bar stays visible, top bar with back button,
-     * edge-to-edge card right under it, BML-styled Save/Share buttons directly below the card.
-     * Follows the app theme (light/dark).
-     */
-    private fun showBmlFullScreenReceipt() {
-        val ctx = requireContext()
-        val dialog = Dialog(ctx, R.style.Theme_BasedBank)
-        val page = DialogReceiptFullscreenBmlBinding.inflate(layoutInflater)
-
-        val card = FragmentReceiptBmlBinding.inflate(layoutInflater).also { bindBml(it) }.receiptCard
-        (card.parent as? ViewGroup)?.removeView(card)
-        page.cardHolder.addView(card, 0, android.widget.LinearLayout.LayoutParams(
-            ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT
-        ))
-
-        page.btnBack.setOnClickListener { dialog.dismiss() }
-        page.btnSaveFull.setOnClickListener { saveReceipt() }
-        page.btnShareFull.setOnClickListener { shareReceipt() }
-
-        val topBasePadding = page.topBar.paddingTop
-        val bottomBasePadding = page.bottomBar.paddingBottom
-        ViewCompat.setOnApplyWindowInsetsListener(page.root) { _, insets ->
-            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
-            page.topBar.updatePadding(top = topBasePadding + bars.top)
-            page.bottomBar.updatePadding(bottom = bottomBasePadding + bars.bottom)
-            page.root.updatePadding(left = bars.left, right = bars.right)
-            insets
-        }
-
-        dialog.setContentView(page.root)
-        dialog.window?.let { win ->
-            win.setLayout(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.MATCH_PARENT)
-            androidx.core.view.WindowCompat.setDecorFitsSystemWindows(win, false)
-            @Suppress("DEPRECATION")
-            win.statusBarColor = Color.TRANSPARENT
-            @Suppress("DEPRECATION")
-            win.navigationBarColor = Color.TRANSPARENT
-            val isLight = (resources.configuration.uiMode and
-                    android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
-                    android.content.res.Configuration.UI_MODE_NIGHT_NO
-            androidx.core.view.WindowInsetsControllerCompat(win, win.decorView).apply {
-                isAppearanceLightStatusBars = isLight
-                isAppearanceLightNavigationBars = isLight
-            }
-        }
-        dialog.show()
-    }
-
-    /**
-     * MIB full-screen receipt: edge-to-edge card whose green header runs under the
-     * (visible) status bar, a floating close button top-right just below the status bar,
-     * and MIB-styled Share/Save buttons pinned to the bottom. Follows the app theme.
-     */
-    private fun showMibFullScreenReceipt() {
-        val ctx = requireContext()
-        val dialog = Dialog(ctx, R.style.Theme_BasedBank)
-        val page = DialogReceiptFullscreenMibBinding.inflate(layoutInflater)
-
-        val cardBinding = FragmentReceiptMibBinding.inflate(layoutInflater).also { bindMib(it) }
-        val card = cardBinding.receiptCard
-        (card.parent as? ViewGroup)?.removeView(card)
-        page.cardHolder.addView(card, ViewGroup.LayoutParams(
-            ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.WRAP_CONTENT
-        ))
-
-        page.btnClose.setOnClickListener { dialog.dismiss() }
-        page.btnShareFull.setOnClickListener { shareReceipt() }
-        page.btnSaveFull.setOnClickListener { saveReceipt() }
-
-        val header = cardBinding.receiptHeader
-        val headerBaseHeight = header.layoutParams.height
-        val headerBasePadding = header.paddingTop
-        val closeBaseMargin = (page.btnClose.layoutParams as ViewGroup.MarginLayoutParams).topMargin
-        val bottomBasePadding = page.bottomBar.paddingBottom
-        ViewCompat.setOnApplyWindowInsetsListener(page.root) { _, insets ->
-            val bars = insets.getInsets(WindowInsetsCompat.Type.systemBars())
-            // Grow the green header under the status bar, keeping its content below it
-            header.layoutParams = header.layoutParams.apply { height = headerBaseHeight + bars.top }
-            header.updatePadding(top = headerBasePadding + bars.top)
-            page.btnClose.layoutParams = (page.btnClose.layoutParams as ViewGroup.MarginLayoutParams)
-                .apply { topMargin = closeBaseMargin + bars.top }
-            page.bottomBar.updatePadding(bottom = bottomBasePadding + bars.bottom)
-            page.root.updatePadding(left = bars.left, right = bars.right)
-            insets
-        }
-
-        dialog.setContentView(page.root)
-        dialog.window?.let { win ->
-            win.setLayout(ViewGroup.LayoutParams.MATCH_PARENT, ViewGroup.LayoutParams.MATCH_PARENT)
-            androidx.core.view.WindowCompat.setDecorFitsSystemWindows(win, false)
-            @Suppress("DEPRECATION")
-            win.statusBarColor = Color.TRANSPARENT
-            @Suppress("DEPRECATION")
-            win.navigationBarColor = Color.TRANSPARENT
-            val isLight = (resources.configuration.uiMode and
-                    android.content.res.Configuration.UI_MODE_NIGHT_MASK) ==
-                    android.content.res.Configuration.UI_MODE_NIGHT_NO
-            androidx.core.view.WindowInsetsControllerCompat(win, win.decorView).apply {
-                // Status bar sits over the green header, so always use light icons
-                isAppearanceLightStatusBars = false
-                isAppearanceLightNavigationBars = isLight
-            }
-        }
-        dialog.show()
-    }
-
     private fun copyOnLongClick(vararg views: android.widget.TextView) {
         for (tv in views) {
             tv.setOnLongClickListener {

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

@@ -0,0 +1,62 @@
+package sh.sar.basedbank.ui.home
+
+import android.os.Bundle
+import android.view.LayoutInflater
+import android.view.View
+import android.view.ViewGroup
+import android.view.WindowManager
+import com.google.android.material.bottomsheet.BottomSheetBehavior
+import com.google.android.material.bottomsheet.BottomSheetDialog
+import com.google.android.material.bottomsheet.BottomSheetDialogFragment
+import sh.sar.basedbank.databinding.SheetTransferBinding
+
+/**
+ * Shows [TransferFragment] in a bottom sheet so the screen behind (a chat) stays visible.
+ * The transfer page runs unchanged inside; with returnOnSuccess it dismisses this sheet.
+ */
+class TransferSheetFragment : BottomSheetDialogFragment() {
+
+    private var _binding: SheetTransferBinding? = null
+    private val binding get() = _binding!!
+
+    override fun onCreateView(inflater: LayoutInflater, container: ViewGroup?, savedInstanceState: Bundle?): View {
+        _binding = SheetTransferBinding.inflate(inflater, container, false)
+        return binding.root
+    }
+
+    override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        // Leave the top of the chat visible above the sheet.
+        binding.transferContainer.layoutParams.height = (resources.displayMetrics.heightPixels * SHEET_HEIGHT_FRACTION).toInt()
+        if (childFragmentManager.findFragmentById(binding.transferContainer.id) == null) {
+            val transferArgs = requireArguments()
+            childFragmentManager.beginTransaction()
+                .replace(binding.transferContainer.id, TransferFragment().apply { arguments = transferArgs })
+                .commitNow()
+        }
+    }
+
+    override fun onStart() {
+        super.onStart()
+        (dialog as? BottomSheetDialog)?.let { d ->
+            // Keep the amount/remarks fields above the keyboard, but don't open it by itself.
+            @Suppress("DEPRECATION")
+            d.window?.setSoftInputMode(
+                WindowManager.LayoutParams.SOFT_INPUT_ADJUST_RESIZE or WindowManager.LayoutParams.SOFT_INPUT_STATE_ALWAYS_HIDDEN
+            )
+            d.behavior.skipCollapsed = true
+            d.behavior.state = BottomSheetBehavior.STATE_EXPANDED
+        }
+    }
+
+    override fun onDestroyView() {
+        super.onDestroyView()
+        _binding = null
+    }
+
+    companion object {
+        private const val SHEET_HEIGHT_FRACTION = 0.8f
+
+        /** [transferArgs] are the arguments of a TransferFragment built by one of its factories. */
+        fun newInstance(transferArgs: Bundle) = TransferSheetFragment().apply { arguments = transferArgs }
+    }
+}

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

@@ -351,6 +351,7 @@ class BmlTransferHandler(
                 ) {
                     fragment.clearForm()
                     host?.triggerRefresh()
+                    fragment.returnToCallerIfRequested()
                 }
             } else {
                 dialog.dismiss()

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

@@ -129,15 +129,6 @@ class MibTransferHandler(
                 else -> bankName.ifBlank { "LOCAL" }
             }
         }
-        val isOwnAccount = isDestMib && app.mibAccounts.any {
-            it.accountNumber == destAccount && it.loginTag == src.loginTag &&
-                (src.profileId.isBlank() || it.profileId == src.profileId)
-        }
-        val transactionType = when {
-            isOwnAccount -> "Own Transfer"
-            isDestMib -> "MIB Transfer"
-            else -> "Quick Transfer"
-        }
         return try {
             // Switch to the profile that owns the source account
             if (src.profileId.isNotBlank()) {
@@ -169,9 +160,7 @@ class MibTransferHandler(
                     toBank = toBank,
                     remarks = remarks,
                     mibReferenceNo = result.trxId,
-                    mibTransactionDate = result.date,
-                    mibFromProfileName = src.profileName,
-                    mibTransactionType = transactionType
+                    mibTransactionDate = result.date
                 )
                 Triple(true, "BankTransaction ID: ${result.trxId}\n${result.date}", receipt)
             } else {

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

@@ -129,8 +129,8 @@ class CredentialsFragment : Fragment() {
             qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
         }
 
-        binding.cardOtp.root.setOnClickListener {
-            val code = binding.cardOtp.tvOtpCode.text.toString().replace(" ", "")
+        binding.cardOtp.setOnClickListener {
+            val code = binding.tvOtpCode.text.toString().replace(" ", "")
             if (code.isNotEmpty()) {
                 val clipboard = requireContext().getSystemService(Context.CLIPBOARD_SERVICE) as ClipboardManager
                 clipboard.setPrimaryClip(ClipData.newPlainText("OTP", code))
@@ -198,12 +198,12 @@ class CredentialsFragment : Fragment() {
         val otpSeedRaw = binding.etOtpSeed.text.toString().trim()
         val seed = resolveOtpSeed(otpSeedRaw)
         if (seed.isEmpty()) {
-            binding.cardOtp.root.visibility = View.INVISIBLE
+            binding.cardOtp.visibility = View.INVISIBLE
             return
         }
         val password = binding.etPassword.text.toString()
         if (otpSeedRaw == password || seed.matches(Regex("\\d{6}"))) {
-            binding.cardOtp.root.visibility = View.INVISIBLE
+            binding.cardOtp.visibility = View.INVISIBLE
             return
         }
         try {
@@ -211,13 +211,13 @@ class CredentialsFragment : Fragment() {
             val secondsInPeriod = (System.currentTimeMillis() / 1000L % 30).toInt()
             val remaining = 30 - secondsInPeriod
 
-            binding.cardOtp.tvOtpCode.text = otp
-            binding.cardOtp.tvNextOtpCode.text = Totp.generate(seed, periodOffset = 1)
-            binding.cardOtp.otpTimer.max = 30
-            binding.cardOtp.otpTimer.progress = remaining
-            binding.cardOtp.root.visibility = View.VISIBLE
+            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
         } catch (e: Exception) {
-            binding.cardOtp.root.visibility = View.INVISIBLE
+            binding.cardOtp.visibility = View.INVISIBLE
         }
     }
 

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

@@ -0,0 +1,85 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONObject
+import sh.sar.basedbank.api.bml.BmlSession
+import sh.sar.basedbank.api.bml.BmlValidateClient
+import java.io.File
+
+/**
+ * Encrypted directory of account number → real account-holder name and currency, looked up through BML's
+ * account validation. Saved contacts often carry a nickname, while bank history only shows the
+ * real name; this lets a name-only transfer be matched to the right account.
+ */
+object AccountNameStore {
+
+    private const val FILE_NAME = "account_names.json"
+    private val lock = Any()
+
+    /** Names are re-checked after this long, in case an account changes hands. */
+    private const val REFRESH_AFTER_MS = 30L * 24 * 60 * 60 * 1000
+    /** Failed lookups (closed or foreign accounts) are retried after this long. */
+    private const val RETRY_FAILED_AFTER_MS = 24L * 60 * 60 * 1000
+    /** Upper bound on lookups per call, so a big contact list is resolved over several syncs. */
+    private const val MAX_LOOKUPS_PER_RUN = 20
+
+    data class Info(val name: String, val currency: String)
+
+    private data class Entry(val name: String, val currency: String, val checkedAt: Long)
+
+    /** Account number → real name and currency, for every account resolved so far. */
+    fun all(context: Context): Map<String, Info> = synchronized(lock) {
+        load(context).filterValues { it.name.isNotBlank() }.mapValues { Info(it.value.name, it.value.currency) }
+    }
+
+    /** Looks up names for [accounts] that are unknown or stale. Network I/O — call on Dispatchers.IO. */
+    fun resolve(context: Context, session: BmlSession, accounts: Collection<String>) {
+        val now = System.currentTimeMillis()
+        val known = synchronized(lock) { load(context) }
+        val due = accounts.filter { it.isNotBlank() }.distinct().filter { account ->
+            val e = known[account] ?: return@filter true
+            val age = now - e.checkedAt
+            if (e.name.isBlank()) age > RETRY_FAILED_AFTER_MS else age > REFRESH_AFTER_MS
+        }.take(MAX_LOOKUPS_PER_RUN)
+        if (due.isEmpty()) return
+
+        val client = BmlValidateClient()
+        // null = network error: leave the account due for next time. A failed lookup is stored blank.
+        val found = due.associateWith { account ->
+            try {
+                val v = client.validateAccount(session, account)
+                Entry(v?.name?.trim().orEmpty(), v?.currency.orEmpty(), now)
+            } catch (_: Exception) { null }
+        }
+
+        synchronized(lock) {
+            val current = load(context).toMutableMap()
+            found.forEach { (account, entry) -> if (entry != null) current[account] = entry }
+            save(context, current)
+        }
+    }
+
+    fun clearAll(context: Context) = synchronized(lock) { File(context.filesDir, FILE_NAME).delete() }
+
+    private fun load(context: Context): Map<String, Entry> {
+        val file = File(context.filesDir, FILE_NAME)
+        if (!file.exists()) return emptyMap()
+        return try {
+            val root = JSONObject(CacheEncryption.decrypt(file.readText()))
+            root.keys().asSequence().associateWith { key ->
+                val o = root.getJSONObject(key)
+                Entry(o.optString("name"), o.optString("currency"), o.optLong("checkedAt", 0L))
+            }
+        } catch (_: Exception) { emptyMap() }
+    }
+
+    private fun save(context: Context, entries: Map<String, Entry>) {
+        try {
+            val root = JSONObject()
+            entries.forEach { (account, e) ->
+                root.put(account, JSONObject().put("name", e.name).put("currency", e.currency).put("checkedAt", e.checkedAt))
+            }
+            File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(root.toString()))
+        } catch (_: Exception) {}
+    }
+}

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

@@ -0,0 +1,524 @@
+package sh.sar.basedbank.util
+
+import android.content.Context
+import org.json.JSONArray
+import org.json.JSONObject
+import sh.sar.basedbank.BasedBankApp
+import sh.sar.basedbank.api.models.BankAccount
+import sh.sar.basedbank.api.bml.BmlNotificationsClient
+import sh.sar.basedbank.api.models.BankContact
+import sh.sar.basedbank.ui.home.AppNotification
+import sh.sar.basedbank.ui.home.AccountHistoryAdapter
+import java.io.File
+import java.text.SimpleDateFormat
+import java.util.Calendar
+import java.util.Date
+import java.util.Locale
+
+/**
+ * One transfer shown as a chat bubble. BML history only carries the counterparty's name, so
+ * [peerKey] is the normalised name; [ChatStore.threads] groups by the account holder's real name.
+ */
+data class ChatMessage(
+    val id: String,
+    val peerKey: String,
+    val peerName: String,
+    val amount: Double,              // negative = sent, positive = received
+    val currency: String,
+    val timeMillis: Long,
+    val accountNumber: String,       // own account the money moved in/out of
+    val accountDisplayName: String,
+    val reference: String = "",
+    val note: String = "",           // remarks — only known for transfers sent from this app
+    val peerAccount: String = "",    // only known for transfers sent from this app
+    val receiptKey: String = "",     // ReceiptStore entry (its savedAt) for transfers sent from this app
+    val dateOnly: Boolean = false,   // bank gave only a date (Favara); time of day unknown
+    val merchant: Boolean = false    // card / Scan to Pay payment to a business, not a person
+) {
+    val isSent get() = amount < 0
+    /** In BML's account history (✓✓); otherwise only seen in a notification or receipt so far (✓). */
+    val isBooked get() = id.startsWith("bml_")
+    /** "yyyy-MM-dd HH:mm:ss", the format AccountHistoryAdapter's date helpers expect. */
+    val date: String get() = DATE_FMT.format(Date(timeMillis))
+
+    companion object {
+        private val DATE_FMT = SimpleDateFormat("yyyy-MM-dd HH:mm:ss", Locale.US)
+    }
+}
+
+/** One of a person's accounts that can be sent to from their chat. */
+data class ChatAccount(
+    val account: String,
+    val currency: String,            // "MVR", "USD"; blank if not known yet
+    val contact: BankContact?        // saved contact for this account, if any
+)
+
+data class ChatThread(
+    val peerKey: String,             // "name:<normalised real name>" or "shop:<normalised business name>"
+    val peerName: String,            // contact nickname, else the real name
+    val realName: String,            // account holder's name as the bank knows it; may be blank
+    val accounts: List<ChatAccount>, // empty = no known account, sending from the chat is disabled
+    val messages: List<ChatMessage>, // oldest first
+    val isMerchant: Boolean = false  // a business paid by card / Scan to Pay; nothing to send to
+) {
+    val last get() = messages.last()
+    val contact: BankContact? get() = accounts.firstNotNullOfOrNull { it.contact }
+    /** The account last sent to, else the first known one; blank when none is known. */
+    val peerAccount: String get() =
+        messages.lastOrNull { it.isSent && it.peerAccount.isNotBlank() }?.peerAccount
+            ?.takeIf { a -> accounts.any { it.account == a } }
+            ?: accounts.firstOrNull()?.account.orEmpty()
+}
+
+/**
+ * Encrypted local record of BML transfers and card / Scan to Pay payments, shown as chats.
+ *
+ * Old history is never loaded: the first call to [sync] only stamps the start time, and every
+ * later sync keeps transfers newer than it. Each sync reads BML's transfer notifications (instant),
+ * pages back through the latest history of every BML current/savings account (booked later), and
+ * merges in receipts of transfers sent from this app, keeping one message per transfer.
+ */
+object ChatStore {
+
+    private const val FILE_NAME = "chats.json"
+    private const val PINS_FILE_NAME = "chat_pins.json"
+    private const val QR_FILE_NAME = "chat_merchant_qr.json"
+    /** Prefix [RecentsCache] uses for static BML merchant QRs the user has paid. */
+    private const val RECENT_QR_PREFIX = "bmlqr:"
+    private val lock = Any()
+
+    private val CARD_OR_LOAN = setOf("BML_PREPAID", "BML_CREDIT", "BML_DEBIT", "BML_LOAN")
+    private val TRANSFER_TYPES = setOf("Transfer Debit", "Transfer Credit", "Favara Debit", "Favara Credit")
+    /** Card and Scan to Pay payments; narrative2 is the business name. */
+    private val MERCHANT_TYPES = setOf("Purchase")
+
+    /** "You have received MVR 5.00 from NAME to 7730*****1234" */
+    private val NOTIF_RECEIVED = Regex("""You have received ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (.+) to (\S+)""")
+    /** "You have sent MVR 5.00 from 7730*****1234 to NAME" */
+    private val NOTIF_SENT = Regex("""You have sent ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
+    /** "You have paid MVR 5.00 from 4xxx********xxxx to BUSINESS" (Scan to Pay / card); the name may be cut short. */
+    private val NOTIF_PAID = Regex("""You have paid ([A-Z]{3}) ([\d,]+(?:\.\d+)?) from (\S+) to (.+)""")
+    /** Masked own account or card in notifications, e.g. "7730*****1234". */
+    private val MASKED_ACCOUNT = Regex("""(\d{3,})\*+(\d{3,})""")
+
+    /** How far apart two records of the same transfer can be timestamped. */
+    private const val MATCH_WINDOW_MS = 15 * 60 * 1000L
+
+    /** Upper bound on history pages fetched per account in one sync. */
+    private const val MAX_PAGES_PER_SYNC = 5
+
+    private const val NAME_KEY_PREFIX = "name:"
+    private const val MERCHANT_KEY_PREFIX = "shop:"
+
+    private data class State(val sinceMillis: Long, val messages: List<ChatMessage>)
+
+    fun normalise(name: String) = name.trim().replace(Regex("\\s+"), " ").lowercase(Locale.US)
+
+    fun sinceMillis(context: Context): Long = synchronized(lock) { load(context).sinceMillis }
+
+    fun isStarted(context: Context) = sinceMillis(context) > 0L
+
+    /**
+     * Groups stored messages into chats, most recent chat first. Call off the main thread.
+     *
+     * Chats are per person, keyed by the account holder's real name: bank history only names the
+     * sender, never their account, so money can't be told apart per account anyway. Every known
+     * account with that real name (saved contacts, accounts sent to) belongs to the chat, and the
+     * user picks which one to send to — typically their MVR or USD account.
+     *
+     * Real names come from [AccountNameStore], so a contact saved as "Ali" joins the
+     * "Mohamed Ali" chat.
+     */
+    fun threads(context: Context, contacts: List<BankContact>): List<ChatThread> {
+        val messages = synchronized(lock) { load(context).messages }
+        val lookedUp = AccountNameStore.all(context)
+        val contactsByAccount = contacts.filter { it.benefAccount.isNotBlank() }.associateBy { it.benefAccount }
+
+        fun realNameOf(account: String): String? =
+            lookedUp[account]?.name?.takeIf { it.isNotBlank() }
+                ?: contactsByAccount[account]?.benefName?.takeIf { it.isNotBlank() }
+
+        // Notifications cut business names short ("FAMILY ROOM" for "FAMILY ROOM COFFEE"); file a
+        // short name under the longest known name it starts.
+        val merchantNames = messages.filter { it.merchant }.map { it.peerKey }.toSet()
+        fun merchantKey(name: String) =
+            merchantNames.filter { it.startsWith(name) }.maxByOrNull { it.length } ?: name
+
+        fun keyOf(m: ChatMessage): String {
+            if (m.merchant) return MERCHANT_KEY_PREFIX + merchantKey(m.peerKey)
+            val name = m.peerAccount.takeIf { it.isNotBlank() }?.let(::realNameOf) ?: m.peerName
+            return NAME_KEY_PREFIX + normalise(name)
+        }
+
+        // Every known account, grouped under its holder's real name.
+        val accountsByKey = HashMap<String, LinkedHashMap<String, ChatAccount>>()
+        fun addAccount(account: String, fallbackCurrency: String) {
+            val name = realNameOf(account) ?: return
+            val contact = contactsByAccount[account]
+            val currency = lookedUp[account]?.currency?.takeIf { it.isNotBlank() }
+                ?: contact?.transferCyDesc?.takeIf { it.isNotBlank() } ?: fallbackCurrency
+            accountsByKey.getOrPut(NAME_KEY_PREFIX + normalise(name)) { LinkedHashMap() }
+                .getOrPut(account) { ChatAccount(account, currency, contact) }
+        }
+        contactsByAccount.keys.forEach { addAccount(it, "") }
+        messages.filter { it.peerAccount.isNotBlank() }.forEach { addAccount(it.peerAccount, it.currency) }
+
+        return messages.groupBy(::keyOf).map { (key, msgs) ->
+            val sorted = msgs.sortedBy { it.timeMillis }
+            if (key.startsWith(MERCHANT_KEY_PREFIX)) {
+                // History carries the full business name; notifications may not.
+                val name = sorted.lastOrNull { it.id.startsWith("bml_") }?.peerName
+                    ?: sorted.maxByOrNull { it.peerName.length }!!.peerName
+                return@map ChatThread(key, name, "", emptyList(), sorted, isMerchant = true)
+            }
+            val accounts = accountsByKey[key]?.values?.toList().orEmpty()
+            // Bank history and the account lookup carry the real name; a receipt only has our label.
+            val realName = accounts.firstNotNullOfOrNull { lookedUp[it.account]?.name?.takeIf { n -> n.isNotBlank() } }
+                ?: sorted.lastOrNull { !it.id.startsWith("rcpt_") }?.peerName
+                ?: accounts.firstNotNullOfOrNull { it.contact?.benefName?.takeIf { n -> n.isNotBlank() } }
+                ?: ""
+            val nickname = accounts.firstNotNullOfOrNull { it.contact?.benefNickName?.takeIf { n -> n.isNotBlank() } }
+            ChatThread(
+                peerKey  = key,
+                peerName = nickname ?: realName.takeIf { it.isNotBlank() } ?: sorted.last().peerName,
+                realName = realName,
+                accounts = accounts,
+                messages = sorted
+            )
+        }.sortedByDescending { it.last.timeMillis }
+    }
+
+    /** Fetches new transfers and stores them. Does network and file I/O — call on Dispatchers.IO. */
+    suspend fun sync(context: Context, app: BasedBankApp, accounts: List<BankAccount>, contacts: List<BankContact>) {
+        val state = synchronized(lock) { load(context) }
+        if (state.sinceMillis == 0L) {
+            synchronized(lock) { save(context, State(System.currentTimeMillis(), emptyList())) }
+            return
+        }
+        val since = state.sinceMillis
+
+        val history = fetchHistory(app, accounts, since, state.messages.mapTo(HashSet()) { it.id })
+        val notifications = fetchNotifications(context, app, accounts, since)
+        val receipts = receiptMessages(context, accounts, since)
+
+        synchronized(lock) {
+            val current = load(context)
+            save(context, current.copy(messages = merge(current.messages, history + notifications + receipts)))
+        }
+
+        // Learn real names for contacts and people we've sent to, so name-only transfers match them.
+        val session = app.anyBmlSession() ?: return
+        val sentTo = synchronized(lock) { load(context).messages.map { it.peerAccount } }
+        // SWIFT (foreign) beneficiaries can't be looked up through BML.
+        val toResolve = contacts.filter { it.benefType != "S" }.map { it.benefAccount } + sentTo
+        AccountNameStore.resolve(context, session, toResolve)
+    }
+
+    /**
+     * Transfers from account history. BML only adds a transaction here once it is booked (often
+     * the next day), so recent ones come from [fetchNotifications] first.
+     */
+    private suspend fun fetchHistory(
+        app: BasedBankApp,
+        accounts: List<BankAccount>,
+        since: Long,
+        knownIds: Set<String>
+    ): List<ChatMessage> {
+        val fetched = mutableListOf<ChatMessage>()
+        for (account in accounts.filter { it.bank == "BML" && it.profileType !in CARD_OR_LOAN }) {
+            val fetcher = HistoryFetcher(account)
+            var pages = 0
+            // Page back until we reach transfers we already have or ones older than the start time.
+            while (pages < MAX_PAGES_PER_SYNC && fetcher.hasMore()) {
+                val page = try { fetcher.fetchNextPage(app) } catch (_: Exception) { break }
+                pages++
+                if (page.isEmpty()) break
+                var reachedKnown = false
+                for (trx in page) {
+                    val time = AccountHistoryAdapter.parseDateMillis(trx.date)
+                    if (time in 1 until startOfDay(since) || "bml_${trx.id}" in knownIds) reachedKnown = true
+                    trx.toChatMessage(time, since)?.let { fetched += it }
+                }
+                if (reachedKnown) break
+            }
+        }
+        return fetched
+    }
+
+    private fun sh.sar.basedbank.api.models.BankTransaction.toChatMessage(time: Long, since: Long): ChatMessage? {
+        val name = counterpartyName?.trim().orEmpty()
+        val merchant = description in MERCHANT_TYPES
+        if ((description !in TRANSFER_TYPES && !merchant) || name.isBlank()) return null
+        // Favara (other-bank) entries carry only a date; keep those from the start day onwards.
+        val dateOnly = date.contains("T00:00:00")
+        if (if (dateOnly) time < startOfDay(since) else time < since) return null
+        return ChatMessage(
+            id                 = "bml_$id",
+            peerKey            = normalise(name),
+            peerName           = name,
+            amount             = amount,
+            currency           = currency,
+            timeMillis         = time,
+            accountNumber      = accountNumber,
+            accountDisplayName = accountDisplayName,
+            reference          = reference.orEmpty(),
+            dateOnly           = dateOnly,
+            merchant           = merchant
+        )
+    }
+
+    /**
+     * Transfers from BML's "Funds Received" / "Funds Transferred" notifications, which arrive
+     * instantly. Uses the notifications the app has cached plus a fresh first page; the fresh page
+     * is not written back to the cache, which the notification poller uses to spot new alerts.
+     */
+    private fun fetchNotifications(
+        context: Context,
+        app: BasedBankApp,
+        accounts: List<BankAccount>,
+        since: Long
+    ): List<ChatMessage> {
+        val client = BmlNotificationsClient()
+        val notifications = LinkedHashMap<String, AppNotification>()
+        for ((loginId, session) in app.bmlSessions.toMap()) {
+            NotificationsCache.loadBml(context, loginId).forEach { notifications[it.id] = it }
+            try { client.fetchNotifications(session, loginId, page = 1).items.forEach { notifications[it.id] = it } }
+            catch (_: Exception) {}
+        }
+        return notifications.values
+            .filter { it.timestampMs >= since }
+            .mapNotNull { notificationToMessage(it, accounts) }
+    }
+
+    private fun notificationToMessage(n: AppNotification, accounts: List<BankAccount>): ChatMessage? {
+        val text = n.message.trim()
+        val received = NOTIF_RECEIVED.matchEntire(text)
+        val sent = if (received == null) NOTIF_SENT.matchEntire(text) else null
+        val paid = if (received == null && sent == null) NOTIF_PAID.matchEntire(text) else null
+        val (currency, amountText, name, ownMasked) = when {
+            received != null -> received.destructured.let { (c, a, who, own) -> listOf(c, a, who, own) }
+            sent != null -> sent.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
+            paid != null -> paid.destructured.let { (c, a, own, who) -> listOf(c, a, who, own) }
+            else -> return null
+        }
+        if (MASKED_ACCOUNT.matches(name.trim())) return null  // between the user's own accounts
+        val amount = amountText.replace(",", "").toDoubleOrNull() ?: return null
+        val own = MASKED_ACCOUNT.matchEntire(ownMasked)?.let { m ->
+            val (head, tail) = m.destructured
+            accounts.firstOrNull { it.bank == "BML" && it.accountNumber.startsWith(head) && it.accountNumber.endsWith(tail) }
+        }
+        return ChatMessage(
+            id                 = "ntf_${n.id}",
+            peerKey            = normalise(name),
+            peerName           = name.trim(),
+            amount             = if (received != null) amount else -amount,
+            currency           = currency,
+            timeMillis         = n.timestampMs,
+            accountNumber      = own?.accountNumber.orEmpty(),
+            accountDisplayName = own?.accountBriefName ?: "•••• ${ownMasked.takeLast(4)}",
+            merchant           = paid != null
+        )
+    }
+
+    /** Transfers sent from this app, from their saved receipts: these carry the note and slip. */
+    private fun receiptMessages(context: Context, accounts: List<BankAccount>, since: Long): List<ChatMessage> =
+        ReceiptStore.loadAll(context).mapNotNull { entry ->
+            val r = entry.data
+            if (r.bank != "BML" || entry.savedAt < since) return@mapNotNull null
+            val amount = r.amount.toDoubleOrNull() ?: return@mapNotNull null
+            val time = AccountHistoryAdapter.parseDateMillis(r.bmlTimestamp).takeIf { it > 0L } ?: entry.savedAt
+            val from = accounts.firstOrNull { it.bank == "BML" && it.accountBriefName == r.fromLabel }
+            ChatMessage(
+                id                 = "rcpt_${r.bmlReference.ifBlank { entry.savedAt.toString() }}",
+                peerKey            = normalise(r.toLabel),
+                peerName           = r.toLabel,
+                amount             = -amount,
+                currency           = r.currency,
+                timeMillis         = time,
+                accountNumber      = from?.accountNumber.orEmpty(),
+                accountDisplayName = r.fromLabel,
+                reference          = r.bmlReference,
+                note               = r.remarks,
+                peerAccount        = r.toAccount,
+                receiptKey         = entry.savedAt.toString()
+            )
+        }
+
+    /**
+     * Merges stored and newly fetched messages so each transfer appears once. The same transfer can
+     * come from history, a notification and a receipt; the highest-ranked source is kept (history,
+     * then notification, then receipt) and picks up what the others add: the exact time, the note,
+     * the recipient account and the receipt.
+     */
+    private fun merge(existing: List<ChatMessage>, incoming: List<ChatMessage>): List<ChatMessage> {
+        val byId = LinkedHashMap<String, ChatMessage>()
+        incoming.forEach { byId[it.id] = it }
+        existing.forEach { byId[it.id] = it }  // stored copies already carry merged details
+
+        val kept = mutableListOf<ChatMessage>()
+        val absorbed = HashMap<String, MutableSet<Int>>()  // kept id -> source ranks merged into it
+        for (candidate in byId.values.sortedWith(compareBy({ rank(it) }, { it.timeMillis }))) {
+            val r = rank(candidate)
+            val index = kept.indexOfFirst { k ->
+                rank(k) < r && r !in absorbed[k.id].orEmpty() && sameTransfer(k, candidate)
+            }
+            if (index >= 0) {
+                val k = kept[index]
+                kept[index] = k.copy(
+                    timeMillis    = if (k.dateOnly && !candidate.dateOnly) candidate.timeMillis else k.timeMillis,
+                    dateOnly      = k.dateOnly && candidate.dateOnly,
+                    accountNumber = k.accountNumber.ifBlank { candidate.accountNumber },
+                    reference     = k.reference.ifBlank { candidate.reference },
+                    note          = k.note.ifBlank { candidate.note },
+                    peerAccount   = k.peerAccount.ifBlank { candidate.peerAccount },
+                    receiptKey    = k.receiptKey.ifBlank { candidate.receiptKey },
+                    merchant      = k.merchant || candidate.merchant
+                )
+                absorbed.getOrPut(k.id) { mutableSetOf() } += r
+            } else {
+                kept += candidate
+            }
+        }
+        return kept.sortedBy { it.timeMillis }
+    }
+
+    private fun rank(m: ChatMessage) = when {
+        m.id.startsWith("bml_") -> 0
+        m.id.startsWith("ntf_") -> 1
+        else -> 2
+    }
+
+    private fun sameTransfer(a: ChatMessage, b: ChatMessage): Boolean {
+        if (a.reference.isNotBlank() && a.reference == b.reference) return true
+        if (a.isSent != b.isSent || kotlin.math.abs(a.amount - b.amount) >= 0.005) return false
+        // A payment to a business is never the same as a transfer to a person (receipts aren't tagged).
+        val receipt = a.id.startsWith("rcpt_") || b.id.startsWith("rcpt_")
+        if (!receipt && a.merchant != b.merchant) return false
+        if (a.currency.isNotBlank() && b.currency.isNotBlank() && !a.currency.equals(b.currency, ignoreCase = true)) return false
+        if (a.accountNumber.isNotBlank() && b.accountNumber.isNotBlank() && a.accountNumber != b.accountNumber) return false
+        if (a.dateOnly || b.dateOnly) {
+            // A date-only entry could be any transfer that day, so the names must agree too.
+            if (startOfDay(a.timeMillis) != startOfDay(b.timeMillis)) return false
+            return receipt || a.peerKey == b.peerKey || a.peerKey.contains(b.peerKey) || b.peerKey.contains(a.peerKey)
+        }
+        return kotlin.math.abs(a.timeMillis - b.timeMillis) <= MATCH_WINDOW_MS
+    }
+
+    private fun startOfDay(millis: Long): Long = Calendar.getInstance().apply {
+        timeInMillis = millis
+        set(Calendar.HOUR_OF_DAY, 0); set(Calendar.MINUTE, 0); set(Calendar.SECOND, 0); set(Calendar.MILLISECOND, 0)
+    }.timeInMillis
+
+    fun clearAll(context: Context) = synchronized(lock) {
+        File(context.filesDir, FILE_NAME).delete()
+        File(context.filesDir, PINS_FILE_NAME).delete()
+        File(context.filesDir, QR_FILE_NAME).delete()
+    }
+
+    // ─── Saved merchant QRs ───────────────────────────────────────────────────
+
+    /**
+     * The static QR (no preset amount) last paid at the business named [merchantName], or null.
+     * The app already remembers such QRs among its recents, but only the last few; they are
+     * copied here so a business's QR is kept for good. Call off the main thread.
+     */
+    fun merchantQr(context: Context, merchantName: String): String? = synchronized(lock) {
+        val file = File(context.filesDir, QR_FILE_NAME)
+        val saved = try {
+            if (!file.exists()) JSONObject() else JSONObject(CacheEncryption.decrypt(file.readText()))
+        } catch (_: Exception) { JSONObject() }
+        var changed = false
+        for (recent in RecentsCache.load(context)) {
+            if (!recent.accountNumber.startsWith(RECENT_QR_PREFIX)) continue
+            val key = normalise(recent.displayName)
+            val url = recent.accountNumber.removePrefix(RECENT_QR_PREFIX)
+            if (key.isNotBlank() && saved.optString(key) != url) { saved.put(key, url); changed = true }
+        }
+        if (changed) try { file.writeText(CacheEncryption.encrypt(saved.toString())) } catch (_: Exception) {}
+
+        // Names differ slightly between the QR, history and alerts; accept one starting the other.
+        val name = normalise(merchantName)
+        val keys = saved.keys().asSequence().toList()
+        val match = keys.firstOrNull { it == name }
+            ?: keys.filter { it.startsWith(name) || name.startsWith(it) }.maxByOrNull { it.length }
+        match?.let { saved.optString(it).takeIf { url -> url.isNotBlank() } }
+    }
+
+    // ─── Pinned chats ─────────────────────────────────────────────────────────
+
+    /** Pinned chat keys, most recently pinned first. */
+    fun pins(context: Context): List<String> = synchronized(lock) {
+        val file = File(context.filesDir, PINS_FILE_NAME)
+        if (!file.exists()) return emptyList()
+        try {
+            val arr = JSONArray(CacheEncryption.decrypt(file.readText()))
+            (0 until arr.length()).map { arr.getString(it) }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun setPinned(context: Context, peerKey: String, pinned: Boolean) {
+        val current = pins(context).filter { it != peerKey }
+        val updated = if (pinned) listOf(peerKey) + current else current
+        synchronized(lock) {
+            try {
+                File(context.filesDir, PINS_FILE_NAME)
+                    .writeText(CacheEncryption.encrypt(JSONArray(updated).toString()))
+            } catch (_: Exception) {}
+        }
+    }
+
+    private fun load(context: Context): State {
+        val file = File(context.filesDir, FILE_NAME)
+        if (!file.exists()) return State(0L, emptyList())
+        return try {
+            val root = JSONObject(CacheEncryption.decrypt(file.readText()))
+            val arr = root.optJSONArray("messages") ?: JSONArray()
+            State(
+                sinceMillis = root.optLong("since", 0L),
+                messages = (0 until arr.length()).map { i ->
+                    val o = arr.getJSONObject(i)
+                    ChatMessage(
+                        id                 = o.optString("id"),
+                        peerKey            = o.optString("peerKey"),
+                        peerName           = o.optString("peerName"),
+                        amount             = o.optDouble("amount", 0.0),
+                        currency           = o.optString("currency"),
+                        timeMillis         = o.optLong("time", 0L),
+                        accountNumber      = o.optString("account"),
+                        accountDisplayName = o.optString("accountName"),
+                        reference          = o.optString("reference"),
+                        note               = o.optString("note"),
+                        peerAccount        = o.optString("peerAccount"),
+                        receiptKey         = o.optString("receiptKey"),
+                        dateOnly           = o.optBoolean("dateOnly", false),
+                        merchant           = o.optBoolean("merchant", false)
+                    )
+                }
+            )
+        } catch (_: Exception) { State(0L, emptyList()) }
+    }
+
+    private fun save(context: Context, state: State) {
+        try {
+            val arr = JSONArray()
+            for (m in state.messages) arr.put(JSONObject().apply {
+                put("id",          m.id)
+                put("peerKey",     m.peerKey)
+                put("peerName",    m.peerName)
+                put("amount",      m.amount)
+                put("currency",    m.currency)
+                put("time",        m.timeMillis)
+                put("account",     m.accountNumber)
+                put("accountName", m.accountDisplayName)
+                put("reference",   m.reference)
+                put("note",        m.note)
+                put("peerAccount", m.peerAccount)
+                put("receiptKey",  m.receiptKey)
+                put("dateOnly",    m.dateOnly)
+                put("merchant",    m.merchant)
+            })
+            val root = JSONObject().put("since", state.sinceMillis).put("messages", arr)
+            File(context.filesDir, FILE_NAME).writeText(CacheEncryption.encrypt(root.toString()))
+        } catch (_: Exception) {}
+    }
+}

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

@@ -100,11 +100,6 @@ class CredentialStore(context: Context) {
             .apply()
     }
 
-    /** Replaces only the stored TOTP seed; the old seed is overwritten and cannot be recovered. */
-    fun updateMibOtpSeed(loginId: String, otpSeed: String) {
-        prefs.edit().putString("mib_${loginId}_enc_otp_seed", encrypt(otpSeed, getOrCreateKey())).apply()
-    }
-
     fun loadMibCredentials(loginId: String): MibCredentials? {
         val key = getOrCreateKey()
         val encHash = prefs.getString("mib_${loginId}_enc_password_hash", null) ?: return null
@@ -235,11 +230,6 @@ class CredentialStore(context: Context) {
             .apply()
     }
 
-    /** Replaces only the stored TOTP seed; the old seed is overwritten and cannot be recovered. */
-    fun updateBmlOtpSeed(loginId: String, otpSeed: String) {
-        prefs.edit().putString("bml_${loginId}_enc_otp_seed", encrypt(otpSeed, getOrCreateKey())).apply()
-    }
-
     fun loadBmlCredentials(loginId: String): BmlCredentials? {
         val key = getOrCreateKey()
         val encUsername = prefs.getString("bml_${loginId}_enc_username", null) ?: return null

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

@@ -13,27 +13,6 @@ object OtpauthParser {
         else -> emptyList()
     }
 
-    /**
-     * Normalise user input into a bare Base32 secret: accepts an otpauth:// link or a raw
-     * secret with spaces/dashes. Returns null if the result isn't usable as a TOTP seed.
-     */
-    fun resolveSecret(input: String): String? {
-        val raw = input.trim()
-        val secret = if (raw.startsWith("otpauth://")) Uri.parse(raw).getQueryParameter("secret") ?: return null else raw
-        val clean = secret.replace("\\s".toRegex(), "").replace("-", "").trimEnd('=').uppercase()
-        if (clean.isEmpty() || !clean.all { it in 'A'..'Z' || it in '2'..'7' }) return null
-        // Too short to be a real seed, e.g. a pasted 6-digit OTP code
-        if (clean.length < 8) return null
-        return clean
-    }
-
-    /**
-     * Build the shortest otpauth://totp link authenticator apps accept: just a label and the
-     * secret. SHA1, 6 digits and a 30s period are the spec defaults, so they're left out.
-     */
-    fun buildUri(label: String, secret: String): String =
-        "otpauth://totp/" + Uri.encode(label) + "?secret=$secret"
-
     private fun parseStandard(raw: String): OtpEntry? {
         val uri = Uri.parse(raw)
         val secret = uri.getQueryParameter("secret") ?: return null

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

@@ -40,8 +40,6 @@ object ReceiptStore {
                         remarks              = o.optString("remarks"),
                         mibReferenceNo       = o.optString("mibReferenceNo"),
                         mibTransactionDate   = o.optString("mibTransactionDate"),
-                        mibFromProfileName   = o.optString("mibFromProfileName"),
-                        mibTransactionType   = o.optString("mibTransactionType"),
                         bmlFromName          = o.optString("bmlFromName"),
                         bmlReference         = o.optString("bmlReference"),
                         bmlTimestamp         = o.optString("bmlTimestamp"),
@@ -78,8 +76,6 @@ object ReceiptStore {
                 put("remarks",               d.remarks)
                 put("mibReferenceNo",        d.mibReferenceNo)
                 put("mibTransactionDate",    d.mibTransactionDate)
-                put("mibFromProfileName",    d.mibFromProfileName)
-                put("mibTransactionType",    d.mibTransactionType)
                 put("bmlFromName",           d.bmlFromName)
                 put("bmlReference",          d.bmlReference)
                 put("bmlTimestamp",          d.bmlTimestamp)

app/src/main/res/drawable-night/bottom_receipt_wave.xml

@@ -1,15 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- Dark-mode replacement for drawable/bottom_receipt_wave.jpg (988x48):
-     receipt background above the teeth, footer colour below. -->
-<vector xmlns:android="http://schemas.android.com/apk/res/android"
-    android:width="329dp"
-    android:height="16dp"
-    android:viewportWidth="988"
-    android:viewportHeight="48">
-    <path
-        android:fillColor="@color/bml_receipt_bg"
-        android:pathData="M0,0 L988,0 L988,48 L0,48 Z" />
-    <path
-        android:fillColor="@color/bml_receipt_footer"
-        android:pathData="M0,48 L0,27 L24.08,8.28 Q30.88,3 37.67,8.28 L54.96,21.72 Q61.75,27 68.54,21.72 L85.83,8.28 Q92.63,3 99.42,8.28 L116.71,21.72 Q123.5,27 130.29,21.72 L147.58,8.28 Q154.38,3 161.17,8.28 L178.46,21.72 Q185.25,27 192.04,21.72 L209.33,8.28 Q216.13,3 222.92,8.28 L240.21,21.72 Q247,27 253.79,21.72 L271.08,8.28 Q277.88,3 284.67,8.28 L301.96,21.72 Q308.75,27 315.54,21.72 L332.83,8.28 Q339.63,3 346.42,8.28 L363.71,21.72 Q370.5,27 377.29,21.72 L394.58,8.28 Q401.38,3 408.17,8.28 L425.46,21.72 Q432.25,27 439.04,21.72 L456.33,8.28 Q463.13,3 469.92,8.28 L487.21,21.72 Q494,27 500.79,21.72 L518.08,8.28 Q524.88,3 531.67,8.28 L548.96,21.72 Q555.75,27 562.54,21.72 L579.83,8.28 Q586.63,3 593.42,8.28 L610.71,21.72 Q617.5,27 624.29,21.72 L641.58,8.28 Q648.38,3 655.17,8.28 L672.46,21.72 Q679.25,27 686.04,21.72 L703.33,8.28 Q710.13,3 716.92,8.28 L734.21,21.72 Q741,27 747.79,21.72 L765.08,8.28 Q771.88,3 778.67,8.28 L795.96,21.72 Q802.75,27 809.54,21.72 L826.83,8.28 Q833.63,3 840.42,8.28 L857.71,21.72 Q864.5,27 871.29,21.72 L888.58,8.28 Q895.38,3 902.17,8.28 L919.46,21.72 Q926.25,27 933.04,21.72 L950.33,8.28 Q957.13,3 963.92,8.28 L988,27 L988,48 Z" />
-</vector>

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <corners android:radius="10dp" />
+    <stroke android:width="1dp" android:color="?attr/colorOutline" />
+</shape>

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

@@ -0,0 +1,6 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android"
+    android:shape="rectangle">
+    <corners android:radius="14dp" />
+    <solid android:color="?attr/colorSurfaceContainerHigh" />
+</shape>

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

@@ -0,0 +1,9 @@
+<?xml version="1.0" encoding="utf-8"?>
+<shape xmlns:android="http://schemas.android.com/apk/res/android">
+    <gradient
+        android:startColor="#2E7D32"
+        android:centerColor="#43A047"
+        android:endColor="#66BB6A"
+        android:angle="315"
+        android:type="linear" />
+</shape>

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

@@ -0,0 +1,9 @@
+<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="M20,2H4c-1.1,0 -2,0.9 -2,2v18l4,-4h14c1.1,0 2,-0.9 2,-2V4c0,-1.1 -0.9,-2 -2,-2zM6,9h12v2H6V9zM14,14H6v-2h8v2zM18,8H6V6h12v2z"/>
+</vector>

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

@@ -1,18 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- MIB full-screen receipt close button: tinted-black disc, themed ring, white X -->
-<vector xmlns:android="http://schemas.android.com/apk/res/android"
-    android:width="32dp"
-    android:height="32dp"
-    android:viewportWidth="32"
-    android:viewportHeight="32">
-    <path
-        android:fillColor="#4D000000"
-        android:strokeColor="@color/mib_receipt_close_ring"
-        android:strokeWidth="1.5"
-        android:pathData="M16,1.25 A14.75,14.75 0 1,1 16,30.75 A14.75,14.75 0 1,1 16,1.25 Z" />
-    <path
-        android:strokeColor="#FFFFFFFF"
-        android:strokeWidth="2"
-        android:strokeLineCap="round"
-        android:pathData="M11,11 L21,21 M21,11 L11,21" />
-</vector>

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

@@ -0,0 +1,9 @@
+<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="M16,12V4h1V2H7v2h1v8l-2,2v2h5.2v6h1.6v-6H18v-2l-2,-2z" />
+</vector>

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

@@ -0,0 +1,9 @@
+<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="M19.5,3.5L18,2l-1.5,1.5L15,2l-1.5,1.5L12,2l-1.5,1.5L9,2 7.5,3.5 6,2 4.5,3.5 3,2v20l1.5,-1.5L6,22l1.5,-1.5L9,22l1.5,-1.5L12,22l1.5,-1.5L15,22l1.5,-1.5L18,22l1.5,-1.5L21,22V2l-1.5,1.5zM19,19.09H5V4.91h14v14.18zM6,15h12v2H6zM6,11h12v2H6zM6,7h12v2H6z"/>
+</vector>

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

@@ -1,13 +1,12 @@
-<?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/transparent"
         android:strokeColor="#FFFFFFFF"
         android:strokeWidth="2"
-        android:strokeLineCap="round"
         android:strokeLineJoin="round"
-        android:pathData="M15,4 L7,12 L15,20" />
+        android:pathData="M4,9l1.5,-5h13L20,9M4,9v11h16V9M4,9h16M9,20v-6h6v6" />
 </vector>

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

@@ -1,77 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- Full MIB logo (mark + "MALDIVES ISLAMIC BANK" wordmark); wordmark follows the receipt footer text color -->
-<vector xmlns:android="http://schemas.android.com/apk/res/android"
-    android:width="187.6dp"
-    android:height="22dp"
-    android:viewportWidth="779.5"
-    android:viewportHeight="91.4">
-    <path
-        android:fillColor="#FFFFFF"
-        android:strokeColor="#A8AAAC"
-        android:strokeWidth="3.8833"
-        android:strokeMiterLimit="10"
-        android:pathData="M64.6,89.2H26.7c-13.5,0-24.5-11-24.5-24.5v-38c0-13.5,11-24.5,24.5-24.5h37.9c13.5,0,24.5,11,24.5,24.5v37.9 C89.1,78.2,78.2,89.2,64.6,89.2z" />
-    <path
-        android:fillColor="#1E2859"
-        android:pathData="M49.4,28.7c1.7-1.7,3.5-3.3,5.4-4.8c1.9,1.5,3.7,3.1,5.4,4.8c9,9.2,14.4,21.7,14.4,35.3c0,0.7,0,1.5-0.1,2.2 H57.6l10.9-6.8c-0.5-6-2.4-11.8-5.6-17.2c-2.2-3.7-5-7-8.2-9.7c-3.2,2.7-5.9,6-8.2,9.7c-3.2,5.3-5,11.2-5.6,17.2l4.6,6.8H35 c0-0.7-0.1-1.5-0.1-2.2C34.9,50.3,40.4,37.9,49.4,28.7z" />
-    <path
-        android:fillColor="#006A4D"
-        android:pathData="M41.9,28.7c-1.7-1.7-3.5-3.3-5.4-4.8c-1.9,1.5-3.7,3.1-5.4,4.8c-9,9.2-14.4,21.7-14.4,35.3 c0,0.7,0,1.5,0.1,2.2h16.9l-10.9-6.8c0.5-6,2.4-11.8,5.6-17.2c2.2-3.7,5-7,8.2-9.7c3.2,2.7,5.9,6,8.2,9.7c3.2,5.3,5,11.2,5.6,17.2 l-4.6,6.8h10.6c0-0.7,0.1-1.5,0.1-2.2C56.3,50.3,50.8,37.9,41.9,28.7z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M146.4,49.5c-0.2-5.3-0.5-11.7-0.5-17.2h-0.2c-1.3,5-3,10.5-4.9,15.7l-6,17.8h-5.8l-5.5-17.5 c-1.6-5.2-3-10.8-4.1-15.9h-0.1c-0.2,5.4-0.4,11.9-0.7,17.5l-0.9,16.5h-7l2.7-41h9.9l5.4,16.5c1.5,4.8,2.7,9.7,3.8,14.2h0.2 c1.1-4.4,2.5-9.5,4.1-14.3l5.7-16.4h9.7l2.4,41h-7.3L146.4,49.5z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M170,54.6l-3.5,11.6h-7.7l13.1-41h9.6l13.3,41h-8L183,54.6H170z M181.7,49l-3.2-10.1 c-0.8-2.5-1.5-5.3-2.1-7.7h-0.1c-0.6,2.4-1.2,5.2-1.9,7.7L171.2,49H181.7z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M200.5,25.2h7.5V60h16.9v6.3h-24.3V25.2z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M230.5,25.8c3.3-0.5,7.5-0.9,11.9-0.9c7.7,0,13,1.6,16.7,4.7c4,3.2,6.4,8.1,6.4,15.1c0,7.3-2.5,12.8-6.4,16.3 c-4.1,3.7-10.6,5.6-18.6,5.6c-4.4,0-7.7-0.2-10.1-0.5V25.8z M237.9,60.5c1,0.2,2.6,0.2,4.1,0.2c9.7,0.1,15.5-5.3,15.5-15.7 c0.1-9.1-5.2-14.2-14.5-14.2c-2.4,0-4.1,0.2-5.1,0.4V60.5z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M279.5,25.2v41H272v-41H279.5z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M297.4,66.2l-13.3-41h8.2l5.6,18.6c1.6,5.2,2.9,10,4,15h0.1c1.1-4.9,2.6-9.9,4.2-14.8l6-18.7h8l-14.2,41 H297.4z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M347.6,48.1h-15.5v12h17.3v6.1h-24.8v-41h23.8v6.1h-16.4V42h15.5V48.1z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M355.8,58.1c2.4,1.4,6.1,2.6,9.9,2.6c4.8,0,7.5-2.3,7.5-5.6c0-3.1-2.1-4.9-7.3-6.8c-6.8-2.4-11.1-6-11.1-11.9 c0-6.7,5.6-11.8,14.5-11.8c4.4,0,7.7,1,9.9,2.1l-1.8,6c-1.5-0.8-4.3-1.9-8.2-1.9c-4.7,0-6.8,2.6-6.8,4.9c0,3.2,2.4,4.6,7.8,6.8 c7.1,2.7,10.6,6.3,10.6,12.2c0,6.6-5,12.3-15.6,12.3c-4.3,0-8.8-1.2-11.1-2.6L355.8,58.1z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M407.6,25.2v41h-7.5v-41H407.6z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M416,58.1c2.4,1.4,6.1,2.6,9.9,2.6c4.8,0,7.5-2.3,7.5-5.6c0-3.1-2.1-4.9-7.3-6.8c-6.8-2.4-11.1-6-11.1-11.9 c0-6.7,5.6-11.8,14.5-11.8c4.4,0,7.7,1,9.9,2.1l-1.8,6c-1.5-0.8-4.3-1.9-8.2-1.9c-4.7,0-6.8,2.6-6.8,4.9c0,3.2,2.4,4.6,7.8,6.8 c7.1,2.7,10.6,6.3,10.6,12.2c0,6.6-5,12.3-15.6,12.3c-4.3,0-8.8-1.2-11.1-2.6L416,58.1z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M447.8,25.2h7.5V60h16.9v6.3h-24.3V25.2z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M486.2,54.6l-3.5,11.6H475l13.1-41h9.6l13.3,41h-8l-3.7-11.6H486.2z M498,49l-3.2-10.1 c-0.8-2.5-1.5-5.3-2.1-7.7h-0.1c-0.6,2.4-1.2,5.2-1.9,7.7L487.4,49H498z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M551.1,49.5c-0.2-5.3-0.5-11.7-0.5-17.2h-0.2c-1.3,5-3,10.5-4.9,15.7l-6,17.8h-5.8l-5.5-17.5 c-1.6-5.2-3-10.8-4.1-15.9h-0.1c-0.2,5.4-0.4,11.9-0.7,17.5l-0.9,16.5h-7l2.7-41h9.9l5.4,16.5c1.5,4.8,2.7,9.7,3.8,14.2h0.2 c1.1-4.4,2.5-9.5,4.1-14.3l5.7-16.4h9.7l2.4,41h-7.3L551.1,49.5z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M574.3,25.2v41h-7.5v-41H574.3z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M612.3,65c-1.8,0.9-5.7,1.8-10.6,1.8c-13,0-20.9-8.2-20.9-20.6c0-13.5,9.4-21.7,21.9-21.7c4.9,0,8.5,1,10,1.8 l-1.6,6c-1.9-0.9-4.6-1.6-8-1.6c-8.3,0-14.4,5.2-14.4,15.1c0,9,5.3,14.8,14.3,14.8c3,0,6.2-0.6,8.2-1.5L612.3,65z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M631.3,25.8c2.4-0.5,6.7-0.9,10.9-0.9c5.5,0,8.9,0.7,11.7,2.6c2.6,1.5,4.3,4.2,4.3,7.7c0,3.8-2.4,7.2-6.8,8.9 v0.1c4.3,1.1,8.3,4.5,8.3,10.2c0,3.7-1.6,6.5-4,8.5c-2.9,2.6-7.7,3.8-15.2,3.8c-4.1,0-7.3-0.3-9.2-0.5V25.8z M638.7,42h3.8 c5.2,0,8.1-2.4,8.1-5.9c0-3.8-2.9-5.6-7.7-5.6c-2.2,0-3.5,0.1-4.3,0.3V42z M638.7,60.8c1,0.1,2.3,0.2,4,0.2c4.8,0,9.1-1.8,9.1-6.9 c0-4.7-4.1-6.7-9.3-6.7h-3.7V60.8z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M674.3,54.6l-3.5,11.6h-7.7l13.1-41h9.6l13.3,41h-8l-3.7-11.6H674.3z M686.1,49l-3.2-10.1 c-0.8-2.5-1.5-5.3-2.1-7.7h-0.1c-0.6,2.4-1.2,5.2-1.9,7.7L675.5,49H686.1z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M704.8,66.2v-41h8.5l10.6,17.6c2.7,4.6,5.1,9.3,7,13.7h0.1c-0.5-5.5-0.7-10.8-0.7-17V25.2h6.9v41h-7.7 l-10.7-18c-2.6-4.5-5.4-9.6-7.4-14.2l-0.2,0.1c0.3,5.3,0.4,10.7,0.4,17.5v14.7H704.8z" />
-    <path
-        android:fillColor="@color/mib_receipt_footer_text"
-        android:pathData="M745.9,25.2h7.4v18.9h0.2c1-1.6,2-3,3-4.4l10.7-14.4h9.2l-14.1,17.5l15,23.5h-8.8L757,47.5l-3.7,4.4v14.4 h-7.4V25.2z" />
-</vector>

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

@@ -1,10 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- MIB receipt header: solid green under the official app's translucent palm texture -->
-<layer-list xmlns:android="http://schemas.android.com/apk/res/android">
-    <item android:drawable="@color/mib_receipt_amount" />
-    <item>
-        <bitmap
-            android:src="@drawable/mib_receipt_texture"
-            android:gravity="fill" />
-    </item>
-</layer-list>

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

@@ -48,7 +48,6 @@
                 android:id="@+id/languageToggle"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
-                android:baselineAligned="false"
                 app:singleSelection="true"
                 app:selectionRequired="true">
 

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

@@ -1,63 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<ScrollView
-    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:gravity="center_horizontal"
-        android:orientation="vertical"
-        android:paddingHorizontal="24dp"
-        android:paddingTop="8dp">
-
-        <TextView
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginBottom="16dp"
-            android:text="Scan this with your authenticator app, or copy the seed. Please keep it private, since anyone who has it can generate your OTP codes."
-            android:textAppearance="?attr/textAppearanceBodySmall"
-            android:textColor="?attr/colorOnSurfaceVariant" />
-
-        <!-- Always black-on-white so scanners read it in dark mode too -->
-        <com.google.android.material.card.MaterialCardView
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            app:cardBackgroundColor="@android:color/white"
-            app:cardCornerRadius="16dp"
-            app:strokeWidth="0dp">
-
-            <ImageView
-                android:id="@+id/ivSeedQr"
-                android:layout_width="220dp"
-                android:layout_height="220dp"
-                android:layout_margin="12dp"
-                android:contentDescription="OTP seed QR code" />
-
-        </com.google.android.material.card.MaterialCardView>
-
-        <TextView
-            android:id="@+id/tvSeed"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginTop="16dp"
-            android:fontFamily="monospace"
-            android:gravity="center"
-            android:textAppearance="?attr/textAppearanceTitleMedium"
-            android:textColor="?attr/colorOnSurface"
-            android:textIsSelectable="true" />
-
-        <com.google.android.material.button.MaterialButton
-            android:id="@+id/btnCopySeed"
-            style="@style/Widget.Material3.Button.TonalButton"
-            android:layout_width="wrap_content"
-            android:layout_height="wrap_content"
-            android:layout_marginTop="12dp"
-            android:text="Copy seed"
-            app:icon="@drawable/ic_copy" />
-
-    </LinearLayout>
-
-</ScrollView>

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

@@ -1,98 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<ScrollView
-    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:paddingHorizontal="24dp"
-        android:paddingTop="8dp">
-
-        <!-- Warning: the old seed is overwritten -->
-        <com.google.android.material.card.MaterialCardView
-            style="@style/Widget.Material3.CardView.Filled"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginBottom="16dp"
-            app:cardBackgroundColor="?attr/colorErrorContainer"
-            app:cardCornerRadius="16dp">
-
-            <LinearLayout
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:orientation="horizontal"
-                android:padding="12dp">
-
-                <ImageView
-                    android:layout_width="20dp"
-                    android:layout_height="20dp"
-                    android:layout_marginEnd="12dp"
-                    android:importantForAccessibility="no"
-                    android:src="@drawable/ic_info"
-                    app:tint="?attr/colorOnErrorContainer" />
-
-                <TextView
-                    android:id="@+id/tvSeedWarning"
-                    android:layout_width="0dp"
-                    android:layout_height="wrap_content"
-                    android:layout_weight="1"
-                    android:textAppearance="?attr/textAppearanceBodySmall"
-                    android:textColor="?attr/colorOnErrorContainer" />
-
-            </LinearLayout>
-
-        </com.google.android.material.card.MaterialCardView>
-
-        <LinearLayout
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:gravity="center_vertical">
-
-            <com.google.android.material.textfield.TextInputLayout
-                android:id="@+id/tilNewSeed"
-                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:hint="New OTP seed"
-                app:helperText="Base32 secret or otpauth:// link">
-
-                <com.google.android.material.textfield.TextInputEditText
-                    android:id="@+id/etNewSeed"
-                    android:layout_width="match_parent"
-                    android:layout_height="wrap_content"
-                    android:fontFamily="monospace"
-                    android:imeOptions="actionDone"
-                    android:inputType="textNoSuggestions|textVisiblePassword"
-                    android:singleLine="true" />
-
-            </com.google.android.material.textfield.TextInputLayout>
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnScanNewSeed"
-                style="@style/Widget.Material3.Button.IconButton"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:layout_marginStart="8dp"
-                android:contentDescription="@string/scan_otp_qr"
-                android:tooltipText="@string/scan_otp_qr"
-                app:icon="@drawable/ic_qr_scan" />
-
-        </LinearLayout>
-
-        <!-- Live preview of the new seed's code, same card as the sign-in screen -->
-        <include
-            android:id="@+id/cardOtp"
-            layout="@layout/view_otp_preview"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:layout_marginTop="16dp" />
-
-    </LinearLayout>
-
-</ScrollView>

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

@@ -1,122 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- Full-screen BML receipt, modelled on docs/bmlapi/tmp/recipt_full_*.jpg.
-     The receipt card is inserted at the top of cardHolder, directly followed by
-     the Save/Share buttons; the rest of the screen shows the footer colour. -->
-<LinearLayout
-    xmlns:android="http://schemas.android.com/apk/res/android"
-    xmlns:app="http://schemas.android.com/apk/res-auto"
-    android:layout_width="match_parent"
-    android:layout_height="match_parent"
-    android:orientation="vertical"
-    android:background="@color/bml_receipt_footer">
-
-    <!-- Top bar — status bar inset is added as top padding in code -->
-    <FrameLayout
-        android:id="@+id/topBar"
-        android:layout_width="match_parent"
-        android:layout_height="wrap_content"
-        android:background="@color/bml_receipt_bg">
-
-        <FrameLayout
-            android:layout_width="match_parent"
-            android:layout_height="48dp">
-
-            <ImageButton
-                android:id="@+id/btnBack"
-                android:layout_width="48dp"
-                android:layout_height="48dp"
-                android:layout_gravity="start|center_vertical"
-                android:background="?attr/selectableItemBackgroundBorderless"
-                android:src="@drawable/ic_chevron_back"
-                app:tint="@color/bml_receipt_amount"
-                android:contentDescription="Back" />
-
-            <TextView
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:layout_gravity="center"
-                android:text="Transfer successful"
-                android:textSize="17sp"
-                android:textColor="@color/bml_receipt_amount"
-                android:fontFamily="@font/sofia_pro" />
-
-        </FrameLayout>
-
-    </FrameLayout>
-
-    <View
-        android:layout_width="match_parent"
-        android:layout_height="1dp"
-        android:background="@color/bml_receipt_divider" />
-
-    <ScrollView
-        android:id="@+id/scroll"
-        android:layout_width="match_parent"
-        android:layout_height="0dp"
-        android:layout_weight="1"
-        android:overScrollMode="never"
-        android:scrollbars="none">
-
-        <LinearLayout
-            android:id="@+id/cardHolder"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="vertical">
-
-            <!-- receipt card goes here (index 0) -->
-
-            <View
-                android:layout_width="match_parent"
-                android:layout_height="1dp"
-                android:background="@color/bml_receipt_bottom_divider" />
-
-            <!-- Bottom actions — nav bar inset is added to bottom padding in code -->
-            <LinearLayout
-                android:id="@+id/bottomBar"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:orientation="vertical"
-                android:background="@color/bml_receipt_footer"
-                android:paddingHorizontal="20dp"
-                android:paddingTop="20dp"
-                android:paddingBottom="16dp">
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnSaveFull"
-                    style="@style/Widget.Material3.Button"
-                    android:layout_width="match_parent"
-                    android:layout_height="44dp"
-                    android:insetTop="0dp"
-                    android:insetBottom="0dp"
-                    android:text="Save receipt"
-                    android:textAllCaps="false"
-                    android:letterSpacing="0"
-                    android:textSize="17sp"
-                    android:textColor="#FFFFFF"
-                    android:fontFamily="@font/sofia_pro"
-                    app:backgroundTint="@color/bml_red"
-                    app:cornerRadius="10dp" />
-
-                <com.google.android.material.button.MaterialButton
-                    android:id="@+id/btnShareFull"
-                    style="@style/Widget.Material3.Button.TextButton"
-                    android:layout_width="match_parent"
-                    android:layout_height="44dp"
-                    android:layout_marginTop="8dp"
-                    android:insetTop="0dp"
-                    android:insetBottom="0dp"
-                    android:text="Share receipt"
-                    android:textAllCaps="false"
-                    android:letterSpacing="0"
-                    android:textSize="17sp"
-                    android:textColor="@color/bml_receipt_message"
-                    android:fontFamily="@font/sofia_pro"
-                    app:rippleColor="@color/bml_receipt_divider" />
-
-            </LinearLayout>
-
-        </LinearLayout>
-
-    </ScrollView>
-
-</LinearLayout>

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

@@ -1,96 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- Full-screen MIB receipt. The receipt card is inserted into cardHolder and its green
-     header is extended under the status bar in code; the close button floats over the
-     header just below the status bar. Share/Save sit pinned at the bottom of the screen. -->
-<FrameLayout
-    xmlns:android="http://schemas.android.com/apk/res/android"
-    xmlns:app="http://schemas.android.com/apk/res-auto"
-    android:layout_width="match_parent"
-    android:layout_height="match_parent"
-    android:background="@color/mib_receipt_bg">
-
-    <LinearLayout
-        android:layout_width="match_parent"
-        android:layout_height="match_parent"
-        android:orientation="vertical">
-
-        <ScrollView
-            android:id="@+id/scroll"
-            android:layout_width="match_parent"
-            android:layout_height="0dp"
-            android:layout_weight="1"
-            android:overScrollMode="never"
-            android:scrollbars="none">
-
-            <FrameLayout
-                android:id="@+id/cardHolder"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content" />
-
-        </ScrollView>
-
-        <View
-            android:layout_width="match_parent"
-            android:layout_height="1dp"
-            android:background="@color/mib_receipt_divider" />
-
-        <!-- Bottom actions — nav bar inset is added to bottom padding in code -->
-        <LinearLayout
-            android:id="@+id/bottomBar"
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="vertical"
-            android:paddingHorizontal="20dp"
-            android:paddingTop="20dp"
-            android:paddingBottom="16dp">
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnShareFull"
-                style="@style/Widget.Material3.Button"
-                android:layout_width="match_parent"
-                android:layout_height="44dp"
-                android:insetTop="0dp"
-                android:insetBottom="0dp"
-                android:text="Share Receipt"
-                android:textAllCaps="false"
-                android:letterSpacing="0"
-                android:textSize="17sp"
-                android:textColor="#FFFFFF"
-                app:backgroundTint="@color/mib_blue"
-                app:cornerRadius="10dp" />
-
-            <com.google.android.material.button.MaterialButton
-                android:id="@+id/btnSaveFull"
-                style="@style/Widget.Material3.Button.OutlinedButton"
-                android:layout_width="match_parent"
-                android:layout_height="44dp"
-                android:layout_marginTop="8dp"
-                android:insetTop="0dp"
-                android:insetBottom="0dp"
-                android:text="Save Receipt"
-                android:textAllCaps="false"
-                android:letterSpacing="0"
-                android:textSize="17sp"
-                android:textColor="@color/mib_blue"
-                app:backgroundTint="@color/mib_receipt_bg"
-                app:strokeColor="@color/mib_blue"
-                app:strokeWidth="1dp"
-                app:cornerRadius="10dp" />
-
-        </LinearLayout>
-
-    </LinearLayout>
-
-    <!-- Close (back) button — status bar inset is added to top margin in code -->
-    <ImageButton
-        android:id="@+id/btnClose"
-        android:layout_width="48dp"
-        android:layout_height="48dp"
-        android:layout_gravity="top|end"
-        android:layout_marginTop="4dp"
-        android:layout_marginEnd="8dp"
-        android:background="?attr/selectableItemBackgroundBorderless"
-        android:src="@drawable/ic_mib_receipt_close"
-        android:contentDescription="Close" />
-
-</FrameLayout>

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

@@ -0,0 +1,330 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical">
+
+    <LinearLayout
+        android:id="@+id/toAccountBar"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:background="?attr/colorSecondaryContainer"
+        android:foreground="?attr/selectableItemBackground"
+        android:gravity="center_vertical"
+        android:orientation="horizontal"
+        android:paddingHorizontal="16dp"
+        android:paddingVertical="10dp"
+        android:visibility="gone">
+
+        <TextView
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:layout_marginEnd="8dp"
+            android:text="@string/chat_to"
+            android:textAppearance="?attr/textAppearanceLabelMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+        <LinearLayout
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvToAccount"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodyLarge"
+                android:textColor="?attr/colorOnSurface" />
+
+            <TextView
+                android:id="@+id/tvToNickname"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceBodySmall"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:visibility="gone" />
+
+        </LinearLayout>
+
+        <TextView
+            android:id="@+id/tvToCurrency"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:background="@drawable/bg_chat_chip"
+            android:paddingHorizontal="10dp"
+            android:paddingVertical="3dp"
+            android:textAppearance="?attr/textAppearanceLabelLarge"
+            android:textColor="?attr/colorOnSurface" />
+
+        <ImageView
+            android:id="@+id/ivToSwitch"
+            android:layout_width="24dp"
+            android:layout_height="24dp"
+            android:layout_marginStart="8dp"
+            android:rotation="90"
+            android:src="@drawable/ic_arrow_right"
+            android:importantForAccessibility="no" />
+
+    </LinearLayout>
+
+    <com.google.android.material.divider.MaterialDivider
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <LinearLayout
+        android:id="@+id/saveContactBar"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:background="?attr/colorSurfaceContainerHigh"
+        android:gravity="center_vertical"
+        android:orientation="horizontal"
+        android:paddingStart="16dp"
+        android:paddingEnd="8dp"
+        android:visibility="gone">
+
+        <TextView
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:text="@string/chat_not_in_contacts"
+            android:textAppearance="?attr/textAppearanceBodyMedium"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnSaveContact"
+            style="@style/Widget.Material3.Button.TextButton"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:text="@string/chat_save_contact" />
+
+    </LinearLayout>
+
+    <LinearLayout
+        android:id="@+id/summaryCard"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:background="@drawable/bg_chat_summary"
+        android:orientation="horizontal"
+        android:paddingHorizontal="14dp"
+        android:paddingVertical="10dp"
+        android:visibility="gone">
+
+        <LinearLayout
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue1"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn2"
+            android:layout_width="0dp"
+            android:layout_height="wrap_content"
+            android:layout_weight="1"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue2"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+        <LinearLayout
+            android:id="@+id/sumColumn3"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:orientation="vertical">
+
+            <TextView
+                android:id="@+id/tvSumLabel3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceLabelSmall"
+                android:textColor="?attr/colorOnSurfaceVariant" />
+
+            <TextView
+                android:id="@+id/tvSumValue3"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:textAppearance="?attr/textAppearanceTitleMedium"
+                android:textColor="?attr/colorOnSurface"
+                android:textStyle="bold" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+    <androidx.recyclerview.widget.RecyclerView
+        android:id="@+id/rvMessages"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1"
+        android:clipToPadding="false"
+        android:paddingHorizontal="12dp"
+        android:paddingVertical="8dp" />
+
+    <com.google.android.material.divider.MaterialDivider
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <TextView
+        android:id="@+id/tvCannotSend"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:padding="16dp"
+        android:gravity="center"
+        android:text="@string/chat_cannot_send"
+        android:textAppearance="?attr/textAppearanceBodySmall"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        android:visibility="gone" />
+
+    <LinearLayout
+        android:id="@+id/composer"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:orientation="vertical"
+        android:paddingHorizontal="12dp"
+        android:paddingTop="8dp"
+        android:paddingBottom="8dp">
+
+        <TextView
+            android:id="@+id/tvCurrencyWarning"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="4dp"
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorError"
+            android:visibility="gone" />
+
+        <com.google.android.material.button.MaterialButton
+            android:id="@+id/btnFrom"
+            style="@style/Widget.Material3.Button.TonalButton"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:gravity="start|center_vertical"
+            android:ellipsize="middle"
+            android:maxLines="1"
+            android:textColor="?attr/colorOnSecondaryContainer"
+            app:icon="@drawable/ic_arrow_right"
+            app:iconGravity="end"
+            app:iconSize="16dp"
+            app:iconTint="?attr/colorOnSecondaryContainer" />
+
+        <LinearLayout
+            android:id="@+id/amountRow"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginTop="4dp"
+            android:gravity="center_vertical"
+            android:orientation="horizontal">
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilAmount"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1.2"
+                android:hint="@string/chat_amount"
+                app:boxCornerRadiusBottomEnd="28dp"
+                app:boxCornerRadiusBottomStart="28dp"
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
+
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etAmount"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:imeOptions="actionNext"
+                    android:inputType="numberDecimal"
+                    android:maxLines="1" />
+
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.textfield.TextInputLayout
+                android:id="@+id/tilNote"
+                style="@style/Widget.Material3.TextInputLayout.OutlinedBox"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_marginStart="8dp"
+                android:layout_weight="1"
+                android:hint="@string/chat_note"
+                app:boxCornerRadiusBottomEnd="28dp"
+                app:boxCornerRadiusBottomStart="28dp"
+                app:boxCornerRadiusTopEnd="28dp"
+                app:boxCornerRadiusTopStart="28dp">
+
+                <com.google.android.material.textfield.TextInputEditText
+                    android:id="@+id/etNote"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:imeOptions="actionSend"
+                    android:inputType="textCapSentences"
+                    android:maxLines="1" />
+
+            </com.google.android.material.textfield.TextInputLayout>
+
+            <com.google.android.material.button.MaterialButton
+                android:id="@+id/btnSend"
+                style="@style/Widget.Material3.Button.Icon"
+                android:layout_width="wrap_content"
+                android:layout_height="56dp"
+                android:layout_marginStart="8dp"
+                android:layout_marginTop="4dp"
+                android:text="@string/chat_send"
+                app:cornerRadius="28dp"
+                app:icon="@drawable/ic_send"
+                app:iconGravity="textEnd" />
+
+        </LinearLayout>
+
+    </LinearLayout>
+
+    <!-- Hosts the Transfer page off-screen when only its confirm dialog is wanted. -->
+    <FrameLayout
+        android:id="@+id/hiddenTransferHost"
+        android:layout_width="0dp"
+        android:layout_height="0dp"
+        android:visibility="gone" />
+
+    <com.google.android.material.button.MaterialButton
+        android:id="@+id/btnPayAgain"
+        style="@style/Widget.Material3.Button"
+        android:layout_width="match_parent"
+        android:layout_height="56dp"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginVertical="12dp"
+        android:text="@string/chat_pay_again"
+        android:visibility="gone"
+        app:cornerRadius="28dp" />
+
+</LinearLayout>

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

@@ -0,0 +1,81 @@
+<?xml version="1.0" encoding="utf-8"?>
+<FrameLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="match_parent"
+    android:layout_height="match_parent">
+
+<LinearLayout
+    android:layout_width="match_parent"
+    android:layout_height="match_parent"
+    android:orientation="vertical">
+
+    <com.google.android.material.textfield.TextInputLayout
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content"
+        android:layout_marginHorizontal="12dp"
+        android:layout_marginTop="8dp"
+        android:layout_marginBottom="4dp"
+        style="@style/Widget.MaterialComponents.TextInputLayout.OutlinedBox.Dense"
+        app:startIconDrawable="@android:drawable/ic_menu_search"
+        app:boxCornerRadiusTopStart="24dp"
+        app:boxCornerRadiusTopEnd="24dp"
+        app:boxCornerRadiusBottomStart="24dp"
+        app:boxCornerRadiusBottomEnd="24dp">
+
+        <com.google.android.material.textfield.TextInputEditText
+            android:id="@+id/etSearch"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:hint="@string/chats_search_hint"
+            android:inputType="text"
+            android:maxLines="1"
+            android:imeOptions="actionSearch" />
+
+    </com.google.android.material.textfield.TextInputLayout>
+
+    <androidx.swiperefreshlayout.widget.SwipeRefreshLayout
+        android:id="@+id/swipeRefresh"
+        android:layout_width="match_parent"
+        android:layout_height="0dp"
+        android:layout_weight="1">
+
+        <FrameLayout
+            android:layout_width="match_parent"
+            android:layout_height="match_parent">
+
+            <androidx.recyclerview.widget.RecyclerView
+                android:id="@+id/rvChats"
+                android:layout_width="match_parent"
+                android:layout_height="match_parent"
+                android:clipToPadding="false"
+                android:paddingTop="4dp"
+                android:paddingBottom="65dp" />
+
+            <TextView
+                android:id="@+id/emptyView"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="center"
+                android:layout_marginHorizontal="32dp"
+                android:gravity="center"
+                android:textAppearance="?attr/textAppearanceBodyMedium"
+                android:textColor="?attr/colorOnSurfaceVariant"
+                android:visibility="gone" />
+
+        </FrameLayout>
+
+    </androidx.swiperefreshlayout.widget.SwipeRefreshLayout>
+
+</LinearLayout>
+
+    <com.google.android.material.floatingactionbutton.FloatingActionButton
+        android:id="@+id/fabScanPay"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="bottom|start"
+        android:layout_margin="16dp"
+        android:contentDescription="@string/chat_scan_to_pay"
+        app:srcCompat="@drawable/ic_qr_scan" />
+
+</FrameLayout>

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

@@ -130,13 +130,89 @@
                 android:maxLength="6" />
         </com.google.android.material.textfield.TextInputLayout>
 
-        <include
+        <com.google.android.material.card.MaterialCardView
             android:id="@+id/cardOtp"
-            layout="@layout/view_otp_preview"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:layout_marginTop="8dp"
-            android:layout_marginBottom="8dp" />
+            android:layout_marginBottom="8dp"
+            android:visibility="invisible"
+            android:clickable="true"
+            android:focusable="true"
+            app:cardBackgroundColor="?attr/colorSecondaryContainer"
+            app:cardCornerRadius="12dp"
+            app:cardElevation="0dp">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:paddingHorizontal="16dp"
+                android:paddingVertical="12dp"
+                android:gravity="center_vertical">
+
+                <LinearLayout
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:orientation="vertical">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="Current OTP"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnSecondaryContainer" />
+
+                    <TextView
+                        android:id="@+id/tvOtpCode"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:textAppearance="?attr/textAppearanceHeadlineSmall"
+                        android:textColor="?attr/colorOnSecondaryContainer"
+                        android:letterSpacing="0.15"
+                        android:fontFamily="monospace" />
+
+                </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"
+                    android:layout_height="32dp"
+                    app:indicatorSize="32dp"
+                    app:trackThickness="3dp"
+                    app:indicatorColor="?attr/colorOnSecondaryContainer"
+                    app:trackColor="?attr/colorSecondaryContainer"
+                    android:indeterminate="false" />
+
+            </LinearLayout>
+        </com.google.android.material.card.MaterialCardView>
 
         <TextView
             android:id="@+id/tvError"

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

@@ -24,7 +24,7 @@
         android:layout_height="wrap_content"
         android:layout_marginHorizontal="24dp"
         android:orientation="vertical"
-        android:background="@color/bml_receipt_bg">
+        android:background="#FFFFFF">
 
         <!-- BML icon (bmlicon.jpg, centered, ~52dp ≈ 146/1080*360dp) -->
         <ImageView
@@ -32,7 +32,7 @@
             android:layout_height="52dp"
             android:layout_gravity="center_horizontal"
             android:layout_marginTop="20dp"
-            android:src="@drawable/bml_logo_vector"
+            android:src="@drawable/bml_icon"
             android:scaleType="fitCenter"
             android:adjustViewBounds="true"
             android:contentDescription="@null" />
@@ -47,7 +47,7 @@
             android:layout_marginBottom="20dp"
             android:id="@+id/tvMessage"
             android:textSize="14sp"
-            android:textColor="@color/bml_receipt_message"
+            android:textColor="#2D2D2D"
             android:fontFamily="@font/nunito_sans"
             android:gravity="center" />
 
@@ -75,7 +75,7 @@
                 android:layout_gravity="center"
                 android:layout_marginBottom="13dp"
                 android:textSize="42sp"
-                android:textColor="@color/bml_receipt_amount"
+                android:textColor="#242424"
                 android:fontFamily="@font/sofia_pro"
                 android:gravity="center" />
 
@@ -109,66 +109,66 @@
 
             <!-- Status (value = green #8BC155) -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Status" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Status" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvStatus" android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="SUCCESS" android:textSize="15sp" android:textColor="#8BC155" android:fontFamily="@font/sofia_pro" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- Message (value wraps if long) -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Message" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Message" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvMessageRow" android:layout_width="0dp" android:layout_weight="1.4" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- Reference -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Reference" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Reference" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvReference" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- Transaction date -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Transaction date" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Transaction date" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvTransactionDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- From (value uppercase) -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="From" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="From" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvFrom" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:textAllCaps="false" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- To (stacked name + account) -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <LinearLayout android:layout_width="wrap_content" android:layout_height="wrap_content" android:orientation="vertical" android:gravity="end">
                     <TextView android:id="@+id/tvToName" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
                     <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginTop="2dp" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
                 </LinearLayout>
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" />
 
             <!-- Amount (value = green #8BC155) -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Amount" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Amount" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvAmountRow" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#8BC155" android:fontFamily="@font/sofia_pro" />
             </LinearLayout>
 
             <!-- Remarks (hidden when empty) -->
-            <View android:id="@+id/remarksDivider" android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/bml_receipt_divider" android:visibility="gone" />
+            <View android:id="@+id/remarksDivider" android:layout_width="match_parent" android:layout_height="1dp" android:background="#E9E9E9" android:visibility="gone" />
             <LinearLayout android:id="@+id/remarksRow" android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:gravity="center_vertical" android:paddingVertical="13dp" android:visibility="gone">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Remarks" android:textSize="13sp" android:textColor="@color/bml_receipt_label" android:fontFamily="@font/sofia_pro" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Remarks" android:textSize="13sp" android:textColor="#000000" android:fontFamily="@font/sofia_pro" />
                 <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
                 <TextView android:id="@+id/tvRemarks" android:layout_width="0dp" android:layout_weight="1.4" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#808080" android:fontFamily="@font/sofia_pro" android:gravity="end" />
             </LinearLayout>
@@ -199,7 +199,7 @@
             android:layout_height="wrap_content"
             android:orientation="vertical"
             android:gravity="center"
-            android:background="@color/bml_receipt_footer"
+            android:background="#F5F5F5"
             android:paddingVertical="22dp">
 
             <TextView

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

@@ -15,7 +15,7 @@
         android:overScrollMode="never"
         android:scrollbars="none">
 
-    <!-- Renderable receipt card -->
+    <!-- Renderable receipt card (header grows to fill remaining space) -->
     <LinearLayout
         android:id="@+id/receiptCard"
         android:layout_width="match_parent"
@@ -23,35 +23,76 @@
         android:layout_marginHorizontal="40dp"
         android:orientation="vertical">
 
-        <!-- Green header — from/to avatars and names -->
+        <!-- Green header — fills all space not taken by body -->
         <FrameLayout
-            android:id="@+id/receiptHeader"
             android:layout_width="match_parent"
-            android:layout_height="160dp"
-            android:background="@drawable/mib_receipt_header_bg">
+            android:layout_height="200dp"
+            android:background="@drawable/trx_success_bg">
 
+            <LinearLayout
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="center"
+                android:orientation="vertical"
+                android:gravity="center">
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="TRANSACTION RECEIPT"
+                    android:textColor="#FFFFFF"
+                    android:textSize="14sp"
+                    android:letterSpacing="0.08"
+                    android:layout_marginBottom="22dp" />
+
+                <ImageView
+                    android:layout_width="64dp"
+                    android:layout_height="64dp"
+                    android:src="@drawable/ic_receipt_check"
+                    android:contentDescription="@null" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:text="SUCCESSFUL"
+                    android:textColor="#FFFFFF"
+                    android:textSize="16sp"
+                    android:letterSpacing="0.05"
+                    android:layout_marginTop="18dp" />
+
+            </LinearLayout>
+
+        </FrameLayout>
+
+        <!-- White body — fixed size content -->
+        <LinearLayout
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:background="#FFFFFF"
+            android:paddingTop="16dp">
+
+            <!-- Avatars row -->
             <LinearLayout
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
-                android:layout_gravity="center"
                 android:orientation="horizontal"
                 android:gravity="center"
-                android:paddingHorizontal="24dp">
+                android:paddingHorizontal="24dp"
+                android:paddingBottom="14dp">
 
                 <LinearLayout
-                    android:layout_width="wrap_content"
+                    android:layout_width="0dp"
                     android:layout_height="wrap_content"
+                    android:layout_weight="1"
                     android:orientation="vertical"
                     android:gravity="center">
 
-                    <!-- Plain ImageView: bitmaps are circle-cropped in code (ShapeableImageView's
-                         hardware-layer mask doesn't render on the scaled card or in captures) -->
-                    <ImageView
+                    <com.google.android.material.imageview.ShapeableImageView
                         android:id="@+id/ivFromAvatar"
                         android:layout_width="52dp"
                         android:layout_height="52dp"
-                        android:scaleType="fitCenter"
-                        android:contentDescription="@null" />
+                        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
 
                     <TextView
                         android:id="@+id/tvFromLabel"
@@ -59,9 +100,7 @@
                         android:layout_height="wrap_content"
                         android:layout_marginTop="6dp"
                         android:textSize="12sp"
-                        android:maxWidth="110dp"
-                        android:textStyle="bold"
-                        android:textColor="#FFFFFF"
+                        android:textColor="#565656"
                         android:gravity="center"
                         android:maxLines="2" />
 
@@ -70,25 +109,22 @@
                 <ImageView
                     android:layout_width="24dp"
                     android:layout_height="24dp"
-                    android:layout_marginHorizontal="10dp"
+                    android:layout_marginHorizontal="12dp"
                     android:src="@drawable/ic_arrow_right"
-                    android:tint="#FFFFFF"
                     android:contentDescription="@null" />
 
                 <LinearLayout
-                    android:layout_width="wrap_content"
+                    android:layout_width="0dp"
                     android:layout_height="wrap_content"
+                    android:layout_weight="1"
                     android:orientation="vertical"
                     android:gravity="center">
 
-                    <!-- Plain ImageView: bitmaps are circle-cropped in code (ShapeableImageView's
-                         hardware-layer mask doesn't render on the scaled card or in captures) -->
-                    <ImageView
+                    <com.google.android.material.imageview.ShapeableImageView
                         android:id="@+id/ivToAvatar"
                         android:layout_width="52dp"
                         android:layout_height="52dp"
-                        android:scaleType="fitCenter"
-                        android:contentDescription="@null" />
+                        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
 
                     <TextView
                         android:id="@+id/tvToLabel"
@@ -96,9 +132,7 @@
                         android:layout_height="wrap_content"
                         android:layout_marginTop="6dp"
                         android:textSize="12sp"
-                        android:maxWidth="110dp"
-                        android:textStyle="bold"
-                        android:textColor="#FFFFFF"
+                        android:textColor="#565656"
                         android:gravity="center"
                         android:maxLines="2" />
 
@@ -106,92 +140,81 @@
 
             </LinearLayout>
 
-        </FrameLayout>
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-        <!-- Body -->
-        <LinearLayout
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="vertical"
-            android:background="@color/mib_receipt_bg">
+            <!-- Total Amount -->
+            <TextView
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:text="TOTAL AMOUNT"
+                android:textSize="13sp"
+                android:textColor="#a0a2a1"
+                android:letterSpacing="0.08"
+                android:gravity="center"
+                android:paddingTop="10dp"
+                android:paddingBottom="4dp" />
 
             <TextView
                 android:id="@+id/tvAmount"
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
-                android:textSize="24sp"
-                android:textStyle="bold"
-                android:textColor="@color/mib_receipt_amount"
+                android:textSize="34sp"
+                android:textColor="#f14f0f"
                 android:gravity="center"
-                android:paddingTop="14dp" />
+                android:paddingBottom="10dp" />
 
-            <TextView
-                android:id="@+id/tvStatus"
-                android:layout_width="match_parent"
-                android:layout_height="wrap_content"
-                android:text="Success"
-                android:textSize="14sp"
-                android:textStyle="bold"
-                android:textColor="@color/mib_receipt_amount"
-                android:gravity="center"
-                android:paddingBottom="6dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-            <!-- Transaction # -->
+            <!-- Reference # -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Transaction#" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvReferenceNo" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Reference #" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvReferenceNo" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-            <!-- From (sender profile name) -->
+            <!-- To Account -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="From" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvFromName" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Account" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvToAccount" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-            <!-- To Account (recipient name + account number) -->
+            <!-- To Bank -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="To Account" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvToAccount" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="To Bank" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvToBank" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
-
-            <!-- Bank -->
-            <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Bank" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvToBank" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
-            </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
-
-            <!-- Transaction Type -->
-            <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Transaction Type" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvTransactionType" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
-            </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
             <!-- Transaction Date -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Transaction Date" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvTransactionDate" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Transaction Date" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvTransactionDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-            <!-- Processed Date -->
+            <!-- Value Date -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Processed Date" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvValueDate" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Value Date" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvValueDate" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
-            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="@color/mib_receipt_divider" android:layout_marginHorizontal="20dp" />
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
 
-            <!-- Remarks -->
+            <!-- Purpose -->
             <LinearLayout android:layout_width="match_parent" android:layout_height="wrap_content" android:orientation="horizontal" android:paddingHorizontal="20dp" android:paddingVertical="11dp">
-                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:layout_marginEnd="16dp" android:text="Remarks" android:textSize="15sp" android:textColor="@color/mib_receipt_label" />
-                <TextView android:id="@+id/tvPurpose" android:layout_width="0dp" android:layout_height="wrap_content" android:layout_weight="1" android:gravity="end" android:textSize="15sp" android:textColor="@color/mib_receipt_value" />
+                <TextView android:layout_width="wrap_content" android:layout_height="wrap_content" android:text="Purpose" android:textSize="15sp" android:textColor="#a0a2a1" />
+                <View android:layout_width="0dp" android:layout_height="1dp" android:layout_weight="1" />
+                <TextView android:id="@+id/tvPurpose" android:layout_width="wrap_content" android:layout_height="wrap_content" android:textSize="15sp" android:textColor="#565656" />
             </LinearLayout>
 
             <!-- MIB footer -->
+            <View android:layout_width="match_parent" android:layout_height="1dp" android:background="#CAC4D0" android:layout_marginHorizontal="20dp" />
+
             <LinearLayout
                 android:layout_width="match_parent"
                 android:layout_height="wrap_content"
@@ -201,10 +224,19 @@
 
                 <ImageView
                     android:layout_width="wrap_content"
-                    android:layout_height="22dp"
-                    android:src="@drawable/mib_logo_full"
+                    android:layout_height="28dp"
+                    android:src="@drawable/mib_logo"
                     android:adjustViewBounds="true"
-                    android:contentDescription="Maldives Islamic Bank" />
+                    android:contentDescription="@null" />
+
+                <TextView
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="8dp"
+                    android:text="MALDIVES ISLAMIC BANK"
+                    android:textSize="13sp"
+                    android:textColor="#000000"
+                    android:letterSpacing="0.05" />
 
             </LinearLayout>
 

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

@@ -109,7 +109,7 @@
                 android:layout_width="32dp"
                 android:layout_height="32dp"
                 android:layout_marginEnd="16dp"
-                android:src="@drawable/bml_logo_vector"
+                android:src="@drawable/bml_icon"
                 android:scaleType="fitCenter"
                 android:contentDescription="BML" />
 

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

@@ -282,7 +282,6 @@
             android:id="@+id/languageToggle"
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:baselineAligned="false"
             app:singleSelection="true"
             app:selectionRequired="true">
 

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

@@ -0,0 +1,74 @@
+<?xml version="1.0" encoding="utf-8"?>
+<androidx.constraintlayout.widget.ConstraintLayout
+    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"
+    android:background="?attr/selectableItemBackground"
+    android:paddingHorizontal="16dp"
+    android:paddingVertical="10dp">
+
+    <com.google.android.material.imageview.ShapeableImageView
+        android:id="@+id/ivAvatar"
+        android:layout_width="52dp"
+        android:layout_height="52dp"
+        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle"
+        android:scaleType="centerCrop"
+        app:layout_constraintStart_toStartOf="parent"
+        app:layout_constraintTop_toTopOf="parent"
+        app:layout_constraintBottom_toBottomOf="parent" />
+
+    <TextView
+        android:id="@+id/tvName"
+        android:layout_width="0dp"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:layout_marginEnd="8dp"
+        android:textAppearance="?attr/textAppearanceBodyLarge"
+        android:textStyle="bold"
+        android:textColor="?attr/colorOnSurface"
+        android:maxLines="1"
+        android:ellipsize="end"
+        app:layout_constraintStart_toEndOf="@id/ivAvatar"
+        app:layout_constraintEnd_toStartOf="@id/tvTime"
+        app:layout_constraintTop_toTopOf="parent"
+        app:layout_constraintBottom_toTopOf="@id/tvPreview"
+        app:layout_constraintVertical_chainStyle="packed" />
+
+    <TextView
+        android:id="@+id/tvTime"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:textAppearance="?attr/textAppearanceLabelSmall"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintBaseline_toBaselineOf="@id/tvName" />
+
+    <TextView
+        android:id="@+id/tvPreview"
+        android:layout_width="0dp"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:layout_marginTop="2dp"
+        android:textAppearance="?attr/textAppearanceBodyMedium"
+        android:textColor="?attr/colorOnSurfaceVariant"
+        android:maxLines="1"
+        android:ellipsize="end"
+        app:layout_constraintStart_toEndOf="@id/ivAvatar"
+        app:layout_constraintEnd_toStartOf="@id/ivPin"
+        app:layout_constraintTop_toBottomOf="@id/tvName"
+        app:layout_constraintBottom_toBottomOf="parent" />
+
+    <ImageView
+        android:id="@+id/ivPin"
+        android:layout_width="16dp"
+        android:layout_height="16dp"
+        android:layout_marginStart="8dp"
+        android:contentDescription="@string/chat_pinned"
+        android:src="@drawable/ic_pin"
+        android:visibility="gone"
+        app:layout_constraintEnd_toEndOf="parent"
+        app:layout_constraintTop_toTopOf="@id/tvPreview"
+        app:layout_constraintBottom_toBottomOf="@id/tvPreview" />
+
+</androidx.constraintlayout.widget.ConstraintLayout>

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

@@ -0,0 +1,109 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:id="@+id/bubbleRow"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="vertical"
+    android:paddingVertical="3dp">
+
+    <com.google.android.material.card.MaterialCardView
+        android:id="@+id/cardBubble"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        app:cardElevation="0dp"
+        app:strokeWidth="0dp">
+
+        <LinearLayout
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:minWidth="150dp"
+            android:orientation="vertical"
+            android:paddingStart="14dp"
+            android:paddingTop="10dp"
+            android:paddingEnd="14dp"
+            android:paddingBottom="8dp">
+
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:id="@+id/tvAmount"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:maxWidth="240dp"
+                    android:textAppearance="?attr/textAppearanceTitleLarge"
+                    android:textStyle="bold" />
+
+                <Space
+                    android:layout_width="0dp"
+                    android:layout_height="0dp"
+                    android:layout_weight="1" />
+
+                <ImageButton
+                    android:id="@+id/btnReceipt"
+                    android:layout_width="40dp"
+                    android:layout_height="40dp"
+                    android:layout_marginStart="12dp"
+                    android:layout_marginEnd="-8dp"
+                    android:background="?attr/selectableItemBackgroundBorderless"
+                    android:contentDescription="@string/chat_view_receipt"
+                    android:padding="8dp"
+                    android:scaleType="fitCenter"
+                    android:src="@drawable/ic_receipt"
+                    android:visibility="gone" />
+
+            </LinearLayout>
+
+            <TextView
+                android:id="@+id/tvNote"
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_marginTop="2dp"
+                android:maxWidth="240dp"
+                android:textAppearance="?attr/textAppearanceBodyLarge" />
+
+            <LinearLayout
+                android:layout_width="wrap_content"
+                android:layout_height="wrap_content"
+                android:layout_gravity="end"
+                android:layout_marginTop="6dp"
+                android:gravity="center_vertical"
+                android:orientation="horizontal">
+
+                <TextView
+                    android:id="@+id/tvAccount"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:maxWidth="150dp"
+                    android:layout_marginEnd="8dp"
+                    android:alpha="0.8"
+                    android:ellipsize="end"
+                    android:maxLines="1"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTime"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:alpha="0.8"
+                    android:textAppearance="?attr/textAppearanceLabelSmall" />
+
+                <TextView
+                    android:id="@+id/tvTicks"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:layout_marginStart="4dp"
+                    android:textAppearance="?attr/textAppearanceLabelMedium" />
+
+            </LinearLayout>
+
+        </LinearLayout>
+
+    </com.google.android.material.card.MaterialCardView>
+
+</LinearLayout>

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

@@ -0,0 +1,18 @@
+<?xml version="1.0" encoding="utf-8"?>
+<FrameLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:paddingVertical="10dp">
+
+    <TextView
+        android:id="@+id/tvDate"
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_gravity="center_horizontal"
+        android:paddingHorizontal="12dp"
+        android:paddingVertical="4dp"
+        android:textAppearance="?attr/textAppearanceLabelMedium"
+        android:textColor="?attr/colorOnSurfaceVariant" />
+
+</FrameLayout>

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

@@ -0,0 +1,17 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    android:layout_width="match_parent"
+    android:layout_height="wrap_content"
+    android:orientation="vertical">
+
+    <com.google.android.material.bottomsheet.BottomSheetDragHandleView
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+    <FrameLayout
+        android:id="@+id/transferContainer"
+        android:layout_width="match_parent"
+        android:layout_height="wrap_content" />
+
+</LinearLayout>

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

@@ -0,0 +1,44 @@
+<?xml version="1.0" encoding="utf-8"?>
+<LinearLayout
+    xmlns:android="http://schemas.android.com/apk/res/android"
+    xmlns:app="http://schemas.android.com/apk/res-auto"
+    android:layout_width="wrap_content"
+    android:layout_height="match_parent"
+    android:background="?attr/selectableItemBackground"
+    android:gravity="center_vertical"
+    android:orientation="horizontal"
+    android:paddingEnd="12dp">
+
+    <com.google.android.material.imageview.ShapeableImageView
+        android:id="@+id/ivHeaderAvatar"
+        android:layout_width="40dp"
+        android:layout_height="40dp"
+        android:scaleType="centerCrop"
+        app:shapeAppearanceOverlay="@style/ShapeAppearance.Circle" />
+
+    <LinearLayout
+        android:layout_width="wrap_content"
+        android:layout_height="wrap_content"
+        android:layout_marginStart="12dp"
+        android:orientation="vertical">
+
+        <TextView
+            android:id="@+id/tvHeaderName"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:ellipsize="end"
+            android:maxLines="1"
+            android:textAppearance="?attr/textAppearanceTitleMedium"
+            android:textColor="?attr/colorOnSurface" />
+
+        <TextView
+            android:id="@+id/tvHeaderAccount"
+            android:layout_width="wrap_content"
+            android:layout_height="wrap_content"
+            android:maxLines="1"
+            android:textAppearance="?attr/textAppearanceBodySmall"
+            android:textColor="?attr/colorOnSurfaceVariant" />
+
+    </LinearLayout>
+
+</LinearLayout>

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

@@ -1,84 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<!-- Live TOTP preview card, shared by the sign-in screen and the OTP screen's "Update seed" dialog -->
-<com.google.android.material.card.MaterialCardView
-    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"
-    android:visibility="invisible"
-    android:clickable="true"
-    android:focusable="true"
-    app:cardBackgroundColor="?attr/colorSecondaryContainer"
-    app:cardCornerRadius="12dp"
-    app:cardElevation="0dp">
-
-    <LinearLayout
-        android:layout_width="match_parent"
-        android:layout_height="wrap_content"
-        android:orientation="horizontal"
-        android:paddingHorizontal="16dp"
-        android:paddingVertical="12dp"
-        android:gravity="center_vertical">
-
-        <LinearLayout
-            android:layout_width="0dp"
-            android:layout_height="wrap_content"
-            android:layout_weight="1"
-            android:orientation="vertical">
-
-            <TextView
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:text="Current OTP"
-                android:textAppearance="?attr/textAppearanceLabelSmall"
-                android:textColor="?attr/colorOnSecondaryContainer" />
-
-            <TextView
-                android:id="@+id/tvOtpCode"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:textAppearance="?attr/textAppearanceHeadlineSmall"
-                android:textColor="?attr/colorOnSecondaryContainer"
-                android:letterSpacing="0.15"
-                android:fontFamily="monospace" />
-
-        </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"
-            android:layout_height="32dp"
-            app:indicatorSize="32dp"
-            app:trackThickness="3dp"
-            app:indicatorColor="?attr/colorOnSecondaryContainer"
-            app:trackColor="?attr/colorSecondaryContainer"
-            android:indeterminate="false" />
-
-    </LinearLayout>
-</com.google.android.material.card.MaterialCardView>

app/src/main/res/menu/bottom_nav_menu.xml

@@ -6,9 +6,9 @@
     <item android:id="@+id/nav_accounts"
         android:icon="@drawable/ic_nav_accounts"
         android:title="@string/nav_accounts" />
-    <item android:id="@+id/nav_contacts"
-        android:icon="@drawable/ic_contacts"
-        android:title="@string/nav_contacts" />
+    <item android:id="@+id/nav_chats"
+        android:icon="@drawable/ic_chat"
+        android:title="@string/nav_chats" />
     <item android:id="@+id/nav_transfer"
         android:icon="@drawable/ic_send"
         android:title="@string/transfer" />

app/src/main/res/menu/drawer_menu.xml

@@ -17,6 +17,9 @@
         <item android:id="@+id/nav_pay_mv_qr"
             android:icon="@drawable/ic_qr_scan"
             android:title="@string/pay_mv_qr" />
+        <item android:id="@+id/nav_chats"
+            android:icon="@drawable/ic_chat"
+            android:title="@string/nav_chats" />
         <item android:id="@+id/nav_contacts"
             android:icon="@drawable/ic_contacts"
             android:title="@string/nav_contacts" />

app/src/main/res/values-night/colors.xml

@@ -1,19 +0,0 @@
-<?xml version="1.0" encoding="utf-8"?>
-<resources>
-    <!-- BML receipt — dark mode -->
-    <color name="bml_receipt_bg">#191A1C</color>
-    <color name="bml_receipt_message">#DEDEE0</color>
-    <color name="bml_receipt_amount">#DEDEE0</color>
-    <color name="bml_receipt_label">#DEDEE0</color>
-    <color name="bml_receipt_footer">#000000</color>
-    <color name="bml_receipt_divider">#3D3E40</color>
-    <color name="bml_receipt_bottom_divider">#1E1F21</color>
-
-    <!-- MIB receipt — dark mode -->
-    <color name="mib_receipt_bg">#1A1A3C</color>
-    <color name="mib_receipt_label">#FFFFFF</color>
-    <color name="mib_receipt_value">#FFFFFF</color>
-    <color name="mib_receipt_divider">#33335C</color>
-    <color name="mib_receipt_footer_text">#FFFFFF</color>
-    <color name="mib_receipt_close_ring">#000000</color>
-</resources>

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

@@ -5,24 +5,4 @@
     <color name="seed_secondary">#9AD141</color>
     <color name="color_unpaid">#E85D04</color>
     <color name="ic_logo_background">#E8B547</color>
-
-    <!-- BML receipt (dark variants in values-night/colors.xml) -->
-    <color name="bml_receipt_bg">#FFFFFF</color>
-    <color name="bml_receipt_message">#2D2D2D</color>
-    <color name="bml_receipt_amount">#242424</color>
-    <color name="bml_receipt_label">#000000</color>
-    <color name="bml_receipt_footer">#F5F5F5</color>
-    <color name="bml_receipt_divider">#E9E9E9</color>
-    <color name="bml_receipt_bottom_divider">#EBEBEB</color>
-    <color name="bml_red">#E21B23</color>
-
-    <!-- MIB receipt (dark variants in values-night/colors.xml) -->
-    <color name="mib_receipt_bg">#FFFFFF</color>
-    <color name="mib_receipt_label">#000000</color>
-    <color name="mib_receipt_value">#000000</color>
-    <color name="mib_receipt_divider">#CAC4D0</color>
-    <color name="mib_receipt_footer_text">#000000</color>
-    <color name="mib_receipt_amount">#1EA833</color>
-    <color name="mib_receipt_close_ring">#FFFFFF</color>
-    <color name="mib_blue">#006FFC</color>
 </resources>

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

@@ -0,0 +1,5 @@
+<?xml version="1.0" encoding="utf-8"?>
+<resources>
+    <item name="action_open_contacts" type="id" />
+    <item name="action_pin_chat" type="id" />
+</resources>

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

@@ -85,6 +85,7 @@
     <string name="nav_add_account">Add Login</string>
     <string name="nav_accounts">Accounts</string>
     <string name="nav_contacts">Contacts</string>
+    <string name="nav_chats">Chats</string>
     <string name="nav_activities">Recent Transfers</string>
     <string name="nav_transfer_history">Transaction History</string>
     <string name="nav_finances">Finances</string>
@@ -94,6 +95,7 @@
     <string name="nav_more">More</string>
     <string name="nav_desc_accounts">View all your bank accounts</string>
     <string name="nav_desc_contacts">Manage your transfer contacts</string>
+    <string name="nav_desc_chats">Your transfers with each person, as chats</string>
     <string name="nav_desc_transfer">Send money to a contact</string>
     <string name="nav_desc_pay_mv_qr">Scan or generate a PayMV QR code</string>
     <string name="nav_desc_activities">View your recent transfers</string>
@@ -127,6 +129,7 @@
     <string name="paymvqr_save_failed">Failed to save image</string>
     <string name="paymvqr_include_phone">Include phone number</string>
     <string name="paymvqr_reference_hint">Reference (optional)</string>
+    <string name="paymvqr_reference_default">PayMV QR Transfer</string>
 
     <!-- Toolbar -->
     <string name="action_lock">Lock app</string>
@@ -399,4 +402,60 @@
     <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>
+
+    <!-- Chats -->
+    <string name="chats_search_hint">Search chats</string>
+    <string name="chats_empty">Chats start from now. New BML transfers will show up here.</string>
+    <string name="chats_empty_since">No transfers since %s. New BML transfers will show up here.</string>
+    <string name="chats_no_results">No chats found</string>
+    <string name="chat_preview_sent">You sent %s</string>
+    <string name="chat_preview_received">Received %s</string>
+    <string name="chat_preview_paid">Paid %s</string>
+    <string name="chat_today">Today</string>
+    <string name="chat_yesterday">Yesterday</string>
+    <string name="chat_from_account">From account</string>
+    <string name="chat_pick_account">Send from</string>
+    <string name="chat_pick_card">Pay with</string>
+    <string name="chat_from_chip">%1$s · %2$s · %3$s</string>
+    <string name="chat_currency_warning">⚠ Sending USD to an MVR account. It will be converted at BML\'s rate and can\'t be reversed.</string>
+    <string name="chat_currency_blocked">MVR can\'t be sent to a USD account. Pick a USD account to send from.</string>
+    <string name="chat_cant_send_mvr_to_usd">Can\'t send MVR to a USD account</string>
+    <string name="chat_needs_usd_source">Needs a USD account to send from</string>
+    <string name="chat_transfer_sent">Transfer sent</string>
+    <string name="chat_payment_sent">Payment sent</string>
+    <string name="chat_view_receipt">Receipt</string>
+    <string name="chat_not_in_contacts">Not in your contacts</string>
+    <string name="chat_save_contact">Save contact</string>
+    <string name="chat_send">Send</string>
+    <string name="chat_to">To</string>
+    <string name="chat_pick_recipient_account">Send to</string>
+    <string name="chat_receipt_missing">Receipt no longer available</string>
+    <string name="chat_amount">Amount</string>
+    <string name="chat_amount_invalid">Enter an amount</string>
+    <string name="chat_cannot_send">Account number not known for this chat. Save this person as a contact, or send once from Transfer, to send from here.</string>
+    <string name="chat_into_short">into %s</string>
+    <string name="chat_account_to">%1$s → %2$s</string>
+    <string name="chat_tick_seen">Seen in BML alert</string>
+    <string name="chat_tick_booked">Booked in BML history</string>
+    <string name="chat_note">Note</string>
+    <string name="chat_pay_again">Pay again with Scan to Pay</string>
+    <string name="chat_pay_business">Pay %s</string>
+    <string name="chat_scan_to_pay">Scan to Pay</string>
+    <string name="chat_merchant_subtitle">Business · Scan to Pay &amp; card</string>
+    <string name="chat_sum_sent">%s · sent</string>
+    <string name="chat_sum_received">received</string>
+    <string name="chat_sum_net">net</string>
+    <string name="chat_sum_spent">Spent here in %s</string>
+    <string name="chat_sum_payments">payments</string>
+    <string name="chat_send_again">Send again · %s</string>
+    <string name="chat_view_receipt_full">View receipt</string>
+    <string name="chat_copy_reference">Copy reference</string>
+    <string name="chat_reference_copied">Reference copied</string>
+    <string name="chat_pinned">Pinned</string>
+    <string name="chat_pin">Pin</string>
+    <string name="chat_unpin">Unpin</string>
+    <string name="chat_selected_one">1 selected</string>
+    <string name="chat_pinned_msg">%s pinned</string>
+    <string name="chat_unpinned_msg">%s unpinned</string>
+    <string name="chat_undo">Undo</string>
 </resources>

docs/fahipayapi/07-contacts.md

@@ -128,4 +128,4 @@ Fetch all four service groups in sequence. For each group:
 
 ---
 
-[← Profile Picture](06-profile-picture.md)     **Next →** [PayMV QR](08-paymv-qr.md)
+[← Profile Picture](06-profile-picture.md)

docs/fahipayapi/08-paymv-qr.md

@@ -1,40 +0,0 @@
-# PayMV QR (Receive)
-
-> ⚠️ **Work in progress.** Thijooree does not call this endpoint yet. It generates Fahipay QRs locally, and the Fahipay app currently rejects those as **"Invalid QR"**. See [PayMV QR Format → Fahipay](../thijooree/18-paymv-qr-format.md#fahipay-work-in-progress).
-
-Fahipay's app does **not** build its receive QR on the device. Its `PayMVQR` screen asks the server for a finished card image and displays it. Found by decompiling the app (v2.0.2, Hermes bundle), **not yet confirmed with a traffic capture**: request headers and the exact response shape are unverified.
-
----
-
-## Endpoint
-
-```
-GET api/app/qr/?lang=<lang>&type=p2p&amount=<amount>
-```
-
-The app also has a `POST api/app/qr/` variant, sent as form data with `type=p2p`, `lang`, `version`, `platform=app`, `amount` and `device[...]` fields.
-
-## Response
-
-The app reads the image from the first of these fields that is present: `qr_image`, `qr`, `image`, `qr_url`, `qr_code`. The value is either an `http…` URL or raw base64, which the app prefixes with `data:image/png;base64,`. The payload text is read from `qr_code_text` / `qrCode`.
-
-## The card image
-
-A 1240 × 1322 PNG:
-- Blue `#005DA3` card with a 6 px border.
-- The square Fahipay icon plus the "FahiPay" wordmark top-left, and "PayMV QR" top-right.
-- A blue panel holding the holder's name and the QR.
-- The reference (`62→05`, e.g. `P2KVTPYL4E`) printed vertically in blue in the white margin right of the panel. The amount is not included in it.
-- A "MALDIVES NATIONAL QR" footer.
-
-Thijooree reproduces this layout in `PayMvQrFragment.renderFahipayQrCard()`; see [PayMV QR Screen](../thijooree/11-paymv-qr-screen.md#fahipay--renderfahipayqrcard).
-
-Server-issued payload fields that differ from a plain PayMV QR: `60` = `LD` + 4 digits, `62→05` = `P` + 9 chars, `62→08` = `PAYMENT`, and `54` = `***` when there is no amount. Full samples are in [PayMV QR Format](../thijooree/18-paymv-qr-format.md#real-receive-qrs-reference-samples).
-
----
-
-&nbsp;
-
----
-
-[← Saved Favourites](07-contacts.md)

docs/fahipayapi/README.md

@@ -127,7 +127,6 @@ Client                              Server
 | 5 | [Transaction History](05-history.md) | Paginated activity/transaction history |
 | 6 | [Profile Picture](06-profile-picture.md) | Local-only profile picture storage (no Fahipay endpoint) |
 | 7 | [Saved Favourites](07-contacts.md) | Fetch saved contacts per payment service |
-| 8 | [PayMV QR](08-paymv-qr.md) | Server-generated receive QR (`api/app/qr/`) — work in progress |
 
 ---
 

docs/thijooree/10-otp-screen.md

@@ -21,29 +21,6 @@ Each card shows:
 
 Tapping anywhere on the card also copies the current code. If no logins have a seed, an empty-state message is shown instead.
 
----
-
-## Seed Actions
-
-Long-pressing a card opens a menu with:
-
-### Export seed
-
-A dialog titled `{bank} · {name}` showing:
-- A QR code of a minimal `otpauth://totp/{BANK}?secret=…` link (e.g. `otpauth://totp/BML?secret=…`), always drawn black-on-white so it scans in dark mode. No username or issuer is included, and algorithm, digits and period are left out because SHA1, 6 and 30s are the spec defaults. Export is single-account only; `otpauth-migration://` is supported for import but never produced.
-- The Base32 seed in groups of 4 (selectable text)
-- A **Copy seed** button. The copy is flagged `EXTRA_IS_SENSITIVE`, so Android 13+ hides the value in the clipboard preview.
-
-### Update seed
-
-Replaces the stored seed for that login, e.g. after re-enrolling the authenticator with the bank.
-- A red warning banner explains that the old seed is deleted permanently.
-- The new seed can be typed or pasted (raw Base32 or an `otpauth://` link) or scanned with the QR button. Scans that contain several accounts (`otpauth-migration://`) ask which one to use.
-- Once the input is a valid seed, a live preview shows its current and next code with a countdown so the user can check it against the bank before saving. The preview is the same card as the sign-in screen (`view_otp_preview.xml`, shared by both), and tapping it copies the code. Input that isn't valid Base32, is shorter than 8 characters (such as a pasted 6-digit code), or matches the current seed disables **Replace**.
-- **Replace** asks for confirmation ("Delete old seed?"). Confirming calls `CredentialStore.updateMibOtpSeed()` / `updateBmlOtpSeed()`, which overwrite only the encrypted seed. For MIB it also calls `MibLoginFlow.updateOtpSeed()` so silent re-login uses the new seed.
-
-The username, password and sessions are not touched. Other places that need an OTP (transfers, QR pay, pay with card) read the seed from `CredentialStore` each time, so they pick up the new seed immediately.
-
 ### Algorithm
 
 Standard RFC 6238 TOTP:
@@ -81,7 +58,7 @@ The OTP screen is informational — the user copies the displayed code manually
 
 ## Security
 
-The TOTP seeds are stored encrypted in `CredentialStore`. They are never logged or included in error reports. They leave the app only when the user chooses **Export seed**.
+The TOTP seeds are stored encrypted in `CredentialStore`. They are never logged or included in error reports.
 
 ---
 

docs/thijooree/11-paymv-qr-screen.md

@@ -2,102 +2,37 @@
 
 Generates a receive-payment PayMV / Favara QR code. **Generation only** — the send/scan side of PayMV lives in `TransferFragment` via `newInstanceWithAutoScan()` and the [QR scanner](25-qr-scanner.md).
 
-> **Fahipay QRs are a work in progress.** Thijooree's Fahipay card matches Fahipay's design, but the Fahipay app currently rejects the QRs it generates as **"Invalid QR"**. BML QRs scan fine. See [PayMV QR Format → Fahipay](18-paymv-qr-format.md#fahipay-work-in-progress).
-
 ---
 
 ## Fragment — `PayMvQrFragment`
 
-A single screen (no tabs). Re-renders the QR live (300 ms debounce) as the user edits the form. It can also be opened for a saved contact with `PayMvQrFragment.forContact(accountNumber, name, bank)`. The QR then pays into the contact's account, and the account picker and phone toggle are hidden.
+A single screen (no tabs). Re-renders the QR live as the user edits the form.
 
 ### Fields
 
 | Field | Source / behaviour |
 |---|---|
-| Source account dropdown | `viewModel.accounts`, filtered to non-card MVR accounts (MIB, M-Faisa and BML USD currently excluded — flagged as TODO in source). Defaults to `CredentialStore.getDefaultAccountNumber()` when set |
-| Amount (`etAmount`) | Optional. Blank / zero / unparseable → open-amount QR. Commas are stripped |
-| Reference (`etReference`) | Free-text purpose, written to tag 62→08. Blank → tag omitted (BML), or `PAYMENT` (Fahipay) |
-| Include phone (`switchIncludePhone`) | When on, writes the saved BML / Fahipay mobile to sub-tag 26→05, normalised to `+960XXXXXXX` |
+| Source account dropdown | `viewModel.accounts`, filtered to non-card MVR accounts (MIB and BML USD currently excluded — both flagged as TODO in source). Defaults to `CredentialStore.getDefaultAccountNumber()` when set |
+| Amount (`etAmount`) | Optional. Blank → open-amount QR |
+| Reference (`etReference`) | Free-text purpose; defaults to `paymvqr_reference_default` if blank — written to tag 62→08 |
+| Include phone (`switchIncludePhone`) | When on, writes the saved BML / Fahipay mobile to sub-tag 26→05 (auto-prefixed `+960` if 7-digit local) |
 
-### What goes on the card
+### Generation
 
-| Item | Value |
-|---|---|
-| Name | BML / MIB: `accountBriefName`. Fahipay: the holder's full name (`profileName`, falling back to the saved Fahipay profile's `fullName`) — **not** the generic "Fahipay Wallet" brief name. Contacts: the contact's name. Always uppercased |
-| QR | The payload below, white modules on the card blue, error correction M, no quiet zone |
-| Vertical text | The QR's reference (tag 62→05) — see below |
-| Amount | **Not printed** on the card (neither bank does); it only appears inside the QR, and in BML's vertical text |
+`buildQrPayload()` assembles a decimal TLV payload per the [PayMV QR Format](18-paymv-qr-format.md):
 
-### Vertical text (reference)
+1. Tag 26 container: GUI (`mv.favara.mpqr`), acquirer BIC, account number, optional mobile, `IPAY`
+2. Acquirer BIC is derived from the source account's bank: `MALBMVMV` (BML) / `MADVMVMV` (MIB) / `FAHIMVMV` (Fahipay)
+3. Tag 62 container: random 9-char reference + the purpose text
+4. Tag 80 container: GUI + ISO timestamp
+5. Appends `"6304"` and computes CRC-16/CCITT-FALSE over the full string
 
-Both banks print a short code vertically beside the QR, reading bottom-to-top. It is the same string as the payload's reference, **tag 62→05**, so Thijooree calculates the reference first and uses it for both.
-
-| Bank | Reference / vertical text | Example |
-|---|---|---|
-| BML | Account number converted to **base-32** (digits `0-9A-V`, uppercase), followed by the **amount exactly as typed** (commas removed, no forced decimals), capped at 25 chars | `7730000188362` → `70V3UKKUA`; with amount `100` → `70V3UKKUA100` |
-| Fahipay | `P` + 9 random uppercase alphanumeric chars. **No amount** | `P2KVTPYL4E` |
-| Other (MIB contacts) | 9 random uppercase alphanumeric chars | `WHQS0SX5O` |
-
-BML's base-32 is `AccountNumbertoBase32` from the BML app: `BigInt(account)`, repeatedly `% 32` into the alphabet `0123456789ABCDEFGHIJKLMNOPQRSTUV`. If the account number isn't numeric, Thijooree falls back to a random 9-char reference.
-
----
-
-## Card Rendering
-
-Two renderers, chosen by the target's bank. Both return a `Bitmap` shown in `ivQrCard` (`fitCenter`) and used for Share / Save.
-
-### BML (and MIB) — `renderQrCard()`
-
-A 1:1 copy of BML app v2.1.47's `ReceiveCard` React Native component (decompiled from the Hermes bundle). All values are BML's StyleSheet values in dp, laid out for a 560 dp reference screen width (`SCREEN_WIDTH_DP`) and drawn at 2 px/dp (`PX_PER_DP`), so the card comes out about 1024 px wide.
-
-| Element | Spec |
-|---|---|
-| Colour | `mmaBlue` `#0E5CA4` everywhere |
-| Card | Width `sw − 48`. Blue background, radius 20. The white top section is inset 2 dp (top corners 18), which shows as a thin blue border |
-| Header row | 32 dp from top, 40 dp side margins. Left: `bml_logo_paymv` ("BANK OF MALDIVES" wordmark, from BML's assets) contained in `0.38·sw × 0.38·sw·0.1117`. Right: "PayMV QR", Sofia Pro Bold, `#0E5CA4`, sized to BML's `0.2·sw × 0.2·sw·0.1733` image box, shifted down 1 dp. MIB uses `mib_faisanet_logo` in the same box |
-| QR panel | 24 dp below the header, 40 dp side margins, radius 16, 24 dp bottom margin |
-| Name | Roboto (system default) regular, 14 sp, white; 8 + 12 dp above, 16 dp below |
-| QR | `0.5·sw` square; 37 dp padding below |
-| Vertical text | Roboto 10 sp, **black at 80 % opacity**, rotated −90°. Centred `railW/1.37 − railW/2` right of the QR's right edge and `(qr + railW/1.5)/2` down from the QR top, where `railW = sw/1.85`. Ellipsized to `railW` |
-| Footer | "MALDIVES NATIONAL QR", Sofia Pro Bold (`res/font/sofia_pro_bold.ttf`), `0.046·sw`, letter spacing 1.2 dp, 12 dp vertical padding |
-
-### Fahipay — `renderFahipayQrCard()`
-
-Fahipay's app doesn't draw its card; it shows an image generated by Fahipay's server (`api/app/qr/`). Thijooree copies that image's layout, measured in pixels on its **1240 × 1322** canvas. Text is sized so capital letters match the measured cap heights.
-
-| Element | Spec |
-|---|---|
-| Colour | `#005DA3` |
-| Card | Blue, radius 50. White area inset 6 px (top corners 44) down to y 1174. The blue below it is the footer |
-| Header row | Square app icon `fahipay_logo` at (94, 94)–(163, 163), then the "FahiPay" wordmark `fahipay_logo_long` at x 178, y 104, 48 px tall — **both, side by side** |
-| "PayMV QR" | Sofia Pro Bold, blue, right-aligned at x 1147, cap height 30 (cap top y 101) |
-| QR panel | (166, 218)–(1074, 1126), radius 55 |
-| Name | Roboto regular, white, centred at x 619, cap height 30 (cap top y 314). Shrinks to fit the panel minus 80 px |
-| QR | 562 px at (338, 417) |
-| Vertical text | Montserrat Regular (`res/font/montserrat_regular.ttf`), **blue**, cap height 27, rotated −90°. It sits in the **white margin right of the panel**: text starts at y 1087, baseline at x 1171 |
-| Footer | "MALDIVES NATIONAL QR", Sofia Pro Bold, white, cap height 55.5 (cap top y 1220), BML's letter spacing (1.2/25.76 em) |
-
-Fonts follow the BML card (Sofia Pro Bold, Roboto), except the vertical text, which keeps Fahipay's Montserrat.
-
----
-
-## Generation
-
-`buildQrPayload()` assembles a decimal TLV payload per the [PayMV QR Format](18-paymv-qr-format.md#generating-a-receive-payment-qr):
-
-1. Tag 01: `11` (static). Fahipay QRs with an amount use `12` (dynamic)
-2. Tag 26: GUI (`mv.favara.mpqr`), acquirer BIC ×2 — `MALBMVMV` (BML) / `MADVMVMV` (MIB) / `FAHIMVMV` (Fahipay), account number, optional mobile, `IPAY`
-3. Tag 54: amount as `%.2f`. If there's no amount: omitted (BML), `***` (Fahipay)
-4. Tag 59: name, uppercased, max 25 chars
-5. Tag 60: Fahipay only — `LD` + 4 random digits
-6. Tag 62: the reference (above) + purpose
-7. Tag 80: GUI + timestamp `yyyy-MM-dd'T'HH:mm:ss.00000`
-8. Appends `"6304"` and computes CRC-16/CCITT-FALSE over the full string
+The rendered card image (bank-styled background plus QR) is shown in-place.
 
 ### Actions
 
-- **Share** (`btnShare`) — writes `<name>_paymv_qr.png` to the cache and shares it via `FileProvider` + `ACTION_SEND`
-- **Save** (`btnSave`) — writes `<name>_PayMV_QR.png` to `MediaStore.Images` / `Pictures/`
+- **Share** (`btnShare`) — exports the rendered card via `FileProvider` + `ACTION_SEND`
+- **Save** (`btnSave`, `PayMvQrFragment.kt:78`) — writes the PNG to `MediaStore.Images` / `Pictures/`
 
 ---
 

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

@@ -31,10 +31,10 @@ Tags and lengths are always exactly 2 decimal digits. Fields are concatenated di
 | `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"`). Open-amount QRs: absent (Thijooree BML) or `"***"` (BML's and Fahipay's own QRs) |
+| `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, uppercase in every real QR seen |
-| `60` | Merchant city / store code | `LD` + 4 digits (e.g. `LD0442`, `LD0745`). Seen in BML POS QRs and in BML's and Fahipay's own receive QRs; meaning of the digits unknown |
+| `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 |
@@ -66,8 +66,8 @@ Tags and lengths are always exactly 2 decimal digits. Fields are concatenated di
 
 | Sub-Tag | Field | Notes |
 |---|---|---|
-| `05` | Reference / bill number | Bank-specific — see [Reference (tag 62→05)](#reference-tag-6205). Also printed vertically on the QR card |
-| `08` | Payment purpose | Free-form text entered by the payee. BML's app defaults it to `Quickpay Transfer`, Fahipay to `PAYMENT` |
+| `05` | Reference / bill number | 9 random uppercase alphanumeric characters |
+| `08` | Payment purpose | Free-form text entered by the payee |
 
 ---
 
@@ -77,7 +77,6 @@ Tags and lengths are always exactly 2 decimal digits. Fields are concatenated di
 |---|---|---|
 | `00` | Domain | `"mv.favara.mpqr"` |
 | `01` | Timestamp | ISO 8601 format: `"yyyy-MM-dd'T'HH:mm:ss.00000"` |
-| `02` | Unknown | `"0005"` — only seen in Fahipay's own QR **with an amount**; not generated by Thijooree |
 
 ---
 
@@ -116,98 +115,18 @@ To create a QR that others can scan to pay you:
   10 04 IPAY
 52 04 0000                                 ← MCC
 53 03 462                                  ← MVR
-54 <len> <amount>                          ← "%.2f". Open amount: omit (BML) / "***" (Fahipay)
+54 <len> <amount>                          ← Omit tag entirely if open-amount
 58 02 MV
-59 <len> <NAME UP TO 25 CHARS>             ← Uppercased
-60 06 LD<4 random digits>                  ← Fahipay only
+59 <len> <name up to 25 chars>
 62 <len>
-  05 <len> <reference>                     ← Bank-specific, see below
-  08 <len> <purpose text>                  ← Omit if blank (BML) / "PAYMENT" (Fahipay)
+  05 09 <9 random alphanum chars>          ← Reference
+  08 <len> <purpose text>
 80 <len>
   00 15 mv.favara.mpqr
   01 <len> <yyyy-MM-dd'T'HH:mm:ss.00000>  ← Timestamp
 6304<CRC>
 ```
 
-For Fahipay, tag `01` is `12` (dynamic) when an amount is set.
-
----
-
-## Reference (tag 62→05)
-
-The reference is also the **vertical text** printed beside the QR on both banks' cards, so it is calculated once and used for both (`PayMvQrFragment.generateQr()`).
-
-### BML — base-32 account number + amount
-
-```
-reference = base32(accountNumber) + amountAsTyped
-```
-
-- `base32` is BML's `AccountNumbertoBase32`: treat the account number as an integer and convert it to base 32 with the alphabet `0123456789ABCDEFGHIJKLMNOPQRSTUV`, most significant digit first
-- `amountAsTyped` is the amount field with commas removed and **no forced decimals** (`100` stays `100`, `100.5` stays `100.5`). Empty for open-amount QRs
-- Capped at 25 characters. A non-numeric account number falls back to 9 random characters
-
-| Account | Amount | Reference / vertical text |
-|---|---|---|
-| `7730000188362` | — | `70V3UKKUA` |
-| `7730000188362` | `100` | `70V3UKKUA100` |
-
-Confirmed by decoding a QR from BML's app: `62→05` = `70V3UKKUA`, the same as the vertical text on its card.
-
-### Fahipay — `P` + 9 random characters
-
-Fahipay's server issues references like `P135KOKXJY` and `P2KVTPYL4E`: `P` followed by 9 uppercase alphanumerics. The vertical text shows the reference only — **the amount is not appended** (confirmed on a QR carrying amount `55`). Thijooree generates `"P" + 9 random chars`.
-
-### Others
-
-9 random uppercase alphanumeric characters.
-
----
-
-## Real Receive QRs (Reference Samples)
-
-Decoded from QR images generated by the official apps (CRC verified).
-
-**BML app** (open amount):
-
-```
-00020101021126920014mv.favara.mpqr0108MALBMVMV0208MALBMVMV031377300001883620511+96091980261004IPAY6006LD04425204000053034625403***5802MV5915SHIHAM A.RAHMAN6234050970V3UKKUA0817Quickpay Transfer80470014mv.favara.mpqr01252026-09-26T02:29:53.000006304F8E6
-```
-
-Note that BML's app places tag `60` *inside* tag `26` here (after `10 IPAY`, as `6006LD0442`).
-
-**Fahipay app**, open amount:
-
-```
-00020101021126810014mv.favara.mpqr0108FAHIMVMV0208FAHIMVMV03125008500611080511+96098074051004IPAY5204000053034625403***5802MV5912MOHAMED RAIF6006LD074562250510P135KOKXJY0807PAYMENT80470014mv.favara.mpqr01252026-09-26T03:44:36.0000063042707
-```
-
-**Fahipay app**, amount `55`:
-
-```
-00020101021226810014mv.favara.mpqr0108FAHIMVMV0208FAHIMVMV03125003600510030511+96091980261004IPAY5204000053034625402555802MV5919SHIHAM ABDUL RAHMAN6006LD097062250510P2KVTPYL4E0807PAYMENT80550014mv.favara.mpqr01252026-09-26T03:22:08.000000204000563045304
-```
-
----
-
-## Fahipay (Work in Progress)
-
-> ⚠️ **Fahipay QRs generated by Thijooree do not work yet.** The Fahipay app rejects them as **"Invalid QR"**. BML QRs from Thijooree scan fine in the BML app.
-
-Fahipay's app doesn't build its QR locally: it fetches it from `GET api/app/qr/?lang=…&type=p2p&amount=…`, and the server returns the finished card image and payload. Things tried so far, with the Fahipay app still reporting invalid:
-
-| Change | Status |
-|---|---|
-| Mobile `26→05` normalised from Fahipay's stored `960XXXXXXX` to `+960XXXXXXX` | Done (was a real bug) |
-| Name `59` uppercased | Done |
-| `54` = `***` for open amount, `01` = `12` with an amount | Done |
-| `60` = `LD` + 4 random digits | Done |
-| `62→08` defaults to `PAYMENT` | Done |
-| `62→05` shaped `P` + 9 chars | Done |
-| `80→02` = `0005` (amount QRs only) | Not done |
-
-The CRC is correct (verified against all samples). With no amount, Thijooree's payload now has the same fields in the same order as Fahipay's own. The leading theory is that Fahipay's scanner looks up the `P…` reference on Fahipay's server, which issued it. If so, no locally generated QR can pass, and the fix would be to fetch the payload from `api/app/qr/` and render the card around it.
-
 ---
 
 ## Parsing a PayMV QR (Incoming Scan)
@@ -300,11 +219,11 @@ exactly one request is made either way.
 
 ## Example Payload
 
-Static BML QR for account `7730000188362`, holder `"AHMED ALI"`, open amount, purpose `"Rent"`:
+Static QR for account `7700000000123`, holder `"AHMED ALI"`, open amount, purpose `"Rent"`:
 
 ```
 000201010211268...520400005303462
-5802MV5909AHMED ALI6221050970V3UKKUA0804Rent
+5802MV5909AHMED ALI6225050912345ABCDEF0804Rent
 80...63044A2B
 ```
 

docs/thijooree/README.md

@@ -19,7 +19,7 @@ Documentation for app-specific logic — UI flows, routing decisions, and busine
 | [08 — Contacts](08-contacts.md) | Contact list, add/edit/delete, categories, contact picker sheet |
 | [09 — Activities](09-activities.md) | Local transfer log, TransferReceiptFragment, share/save receipt |
 | [10 — OTP Screen](10-otp-screen.md) | TOTP display, real-time countdown, enrolled bank authenticators |
-| [11 — PayMV QR Screen](11-paymv-qr-screen.md) | Generate receive-payment QR, BML/Fahipay card rendering, vertical reference text (Fahipay QRs WIP) |
+| [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 (drag to reorder), Appearance, Privacy & Security, Notifications, Storage, About |
@@ -39,7 +39,7 @@ Documentation for app-specific logic — UI flows, routing decisions, and busine
 
 | Document | Description |
 |---|---|
-| [18 — PayMV QR Format](18-paymv-qr-format.md) | Decimal TLV encoding, all tags, CRC-16, per-bank references, real samples, Fahipay WIP, parsing reference |
+| [18 — PayMV QR Format](18-paymv-qr-format.md) | Decimal TLV encoding, all tags, CRC-16, QR generation recipe, parsing reference |
 | [19 — Parsers](19-parsers.md) | Account display parser architecture — how raw bank API data is normalised into a unified `AccountListDisplay` model |
 | [20 — Transfer Flows](20-transfer-flows.md) | TransferFragment entry points, recipient lookup, transfer type routing, rejected combinations, BML business OTP flow, BML QR merchant payments |
 | [AI Security Audit](AI_SECURITY_CHECK.md) | Full source security audit — credential storage, network layer, manifest, data privacy |

docs/thijooree/faq/README.md

@@ -1,3 +0,0 @@
-# FAQ
-
-## [What is and how do i get my TOTP Seed?](totpseed/README.md)

docs/thijooree/faq/totpseed/01-setup-bml.md

@@ -1,87 +0,0 @@
-# Set up BML
-
-Reset your Bank of Maldives authenticator to get a new OTP seed, then add that seed to Thijooree so it can generate your OTP codes.
-
-> [!NOTE]
-> You need the BML app signed in, and a BML debit card with its expiry date and CVC to confirm who you are.
-
-> [!IMPORTANT]
-> Want the same codes in another authenticator app too, such as Microsoft Authenticator or Google Authenticator? Add the secret key to that app **after step 5 and before step 7**. After you tap **Verify Code**, BML stops showing the secret key and you would have to reset again. See [Export from Microsoft Authenticator](04-export-microsoft.md) for the steps.
-
-<table>
-  <tr>
-    <th width="25%">Step 1</th>
-    <th width="25%">Step 2</th>
-    <th width="25%">Step 3</th>
-    <th width="25%">Step 4</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/bml_1.jpg" alt="BML app wallet screen with the profile icon highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/bml_2.jpg" alt="Profile menu with Authenticator Setup highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/bml_3.jpg" alt="Channel Settings screen with the Reset Authenticator button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/bml_4.jpg" alt="Debit card verification form with the Authorize button highlighted" width="200"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Open your profile</b><br>
-      In the BML app, tap the <b>profile icon</b> in the top-right corner of the Wallet screen.
-    </td>
-    <td valign="top">
-      <b>Open Authenticator Setup</b><br>
-      In the menu, under <b>Settings</b>, tap <b>Authenticator Setup</b>.
-    </td>
-    <td valign="top">
-      <b>Reset the authenticator</b><br>
-      On the <b>Security</b> tab, tap <b>Reset Authenticator</b>. This replaces any authenticator app you used before.
-    </td>
-    <td valign="top">
-      <b>Verify your debit card</b><br>
-      Pick a debit card, enter its expiry month, expiry year and CVC, then tap <b>Authorize</b>.
-    </td>
-  </tr>
-  <tr>
-    <th>Step 5</th>
-    <th>Step 6</th>
-    <th>Step 7</th>
-    <th>Done</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/bml_5.jpg" alt="QR code screen with the copy button next to the secret key highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/thijooree_1.jpg" alt="Thijooree sign-in screen with the OTP seed filled in and the current OTP shown" width="200"></td>
-    <td align="center"><img src="screenshots/bml_6.jpg" alt="BML screen with the OTP entered and the Verify Code button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/bml_7.jpg" alt="Authenticator reset successfully message" width="200"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Copy the secret key</b><br>
-      Below the QR code, tap the <b>copy button</b> next to the secret key. Keep this screen open, you will come back to it.
-    </td>
-    <td valign="top">
-      <b>Add the seed to Thijooree</b><br>
-      Open Thijooree and paste the key into <b>OTP Seed (TOTP Secret)</b>. Tap the <b>Current OTP</b> box to copy the 6-digit code.<br><br>
-      <i>Adding the key to another authenticator app? Do it now, before step 7.</i>
-    </td>
-    <td valign="top">
-      <b>Verify the code in BML</b><br>
-      Go back to the BML app, paste the code into the 6-digit code field and tap <b>Verify Code</b>.
-    </td>
-    <td valign="top">
-      <b>All done</b><br>
-      BML shows <b>Authenticator reset successfully</b>. Thijooree now generates your BML OTP codes.
-    </td>
-  </tr>
-</table>
-
-## Log in to Thijooree
-
-Once BML shows **Authenticator reset successfully**, go back to Thijooree:
-
-1. Enter your BML **Username** and **Password**.
-2. Check that **OTP Seed (TOTP Secret)** still has the key you pasted in step 6.
-3. Tap **Login**.
-
-> [!TIP]
-> The OTP changes every 30 seconds. If BML rejects the code, copy the current one from Thijooree again and verify straight away.
-
-> [!WARNING]
-> The secret key gives full access to your OTP codes. Don't share it or screenshot it where others can see it.

docs/thijooree/faq/totpseed/02-setup-mib.md

@@ -1,39 +0,0 @@
-# Set up MIB
-
-Maldives Islamic Bank doesn't let you reset your authenticator from the app. The only way to get a new OTP seed is to ask customer care, and then wait. And wait some more.
-
-> [!NOTE]
-> You need patience, a working email address and a small amount of faith. Results may vary.
-
-## How to do it
-
-1. **Contact customer care**<br>
-   Get in touch with MIB customer care and ask them to reset your authenticator and send you a new secret key.
-
-2. **Perform the summoning ritual**<br>
-   Light a candle, face the direction of the nearest MIB branch and chant *"please reply, please reply"* three times. Offering a cup of tea to the ticket gods is optional but recommended.
-
-3. **Wait for the email**<br>
-   MIB emails you the new secret key. Eventually. Check your inbox, then check your spam folder, then check your inbox again.
-
-4. **Wait more**<br>
-   Still nothing? This is normal. Refresh your inbox. Touch grass. Refresh your inbox again.
-
-5. **Perform another ritual**<br>
-   Repeat step 2, but with two candles this time. If it has been a few working days, a polite follow-up to customer care also works, and is less of a fire hazard.
-
-6. **Add the seed to Thijooree**<br>
-   Once the email arrives, copy the secret key from it. Open Thijooree, go to the **faisanet** sign-in screen and paste the key into **OTP Seed (TOTP Secret)**. The **Current OTP** appears below it.
-
-## Log in to Thijooree
-
-Once the key is in, in Thijooree:
-
-1. Enter your MIB **Username** and **Password**.
-2. Tap **Login**.
-
-> [!TIP]
-> Already have your MIB account in Google Authenticator or Bitwarden? Skip the rituals entirely and see [Export from Google Authenticator](03-export-googleauthenticator.md) or [Export from Bitwarden](05-export-bitwarden.md).
-
-> [!WARNING]
-> The secret key gives full access to your OTP codes. Don't share it, and delete the email once you have logged in.

docs/thijooree/faq/totpseed/03-export-googleauthenticator.md

@@ -1,107 +0,0 @@
-# Export from Google Authenticator
-
-Google Authenticator can export your accounts as a QR code. Take a screenshot of that QR code and load it into Thijooree to get the same OTP seed, without resetting anything with your bank.
-
-> [!NOTE]
-> Exporting doesn't change your seed. Google Authenticator keeps working, and it shows the same codes as Thijooree.
-
-> [!IMPORTANT]
-> Thijooree holds one seed per login. In step 3, select **only** the bank account you want to log in to on Thijooree.
-
-<table>
-  <tr>
-    <th width="25%">Step 1</th>
-    <th width="25%">Step 2</th>
-    <th width="25%">Step 3</th>
-    <th width="25%">Step 4</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/google_1.jpg" alt="Google Authenticator home screen with the menu button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/google_2.jpg" alt="Google Authenticator menu with Transfer codes highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/google_3.jpg" alt="Select codes screen with only MIB checked and the Next button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/google_4.jpg" alt="Scan this QR code screen showing the export QR code" width="200"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Open the menu</b><br>
-      In Google Authenticator, tap the <b>menu button</b> (three lines) in the top-left corner.
-    </td>
-    <td valign="top">
-      <b>Open Transfer codes</b><br>
-      Tap <b>Transfer codes</b>.
-    </td>
-    <td valign="top">
-      <b>Select your bank account</b><br>
-      Check <b>only</b> the bank account you want to log in to on Thijooree, then tap <b>Next</b>.
-    </td>
-    <td valign="top">
-      <b>Screenshot the QR code</b><br>
-      Take a <b>screenshot</b> of the QR code. Keep this screen open, you will come back to it.
-    </td>
-  </tr>
-  <tr>
-    <th>Step 5</th>
-    <th>Step 6</th>
-    <th>Step 7</th>
-    <th>Step 8</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/thijooree_2.jpg" alt="Thijooree sign-in screen with the QR button next to the OTP seed field highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/thijooree_3.jpg" alt="Thijooree QR scanner with the Pick image button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/thijooree_4.jpg" alt="Photo picker with the QR code screenshot selected" width="200"></td>
-    <td align="center"><img src="screenshots/google_5.jpg" alt="Google Authenticator Scan this QR code screen with the Next button highlighted" width="200"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Open the QR scanner</b><br>
-      Open Thijooree and, on the sign-in screen, tap the <b>QR button</b> next to <b>OTP Seed (TOTP Secret)</b>.
-    </td>
-    <td valign="top">
-      <b>Pick an image</b><br>
-      The QR code is on the same phone, so there is nothing to scan. Tap <b>Pick image</b>.
-    </td>
-    <td valign="top">
-      <b>Select the screenshot</b><br>
-      Select the QR code screenshot from step 4. Thijooree fills in the OTP seed for you.
-    </td>
-    <td valign="top">
-      <b>Finish the export</b><br>
-      Go back to Google Authenticator and tap <b>Next</b> on the QR code screen.
-    </td>
-  </tr>
-  <tr>
-    <th>Step 9</th>
-    <th colspan="2">Step 10</th>
-    <th></th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/google_6.jpg" alt="Remove your exported codes screen with Keep exported codes and Done highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/google_7.jpg" alt="Google Authenticator list with the MIB code highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/thijooree_5.jpg" alt="Thijooree sign-in screen with the Current OTP highlighted, matching Google Authenticator" width="200"></td>
-    <td></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Keep the exported codes</b><br>
-      Select <b>Keep exported codes</b> and tap <b>Done</b>. Don't remove them, or the account disappears from Google Authenticator.
-    </td>
-    <td valign="top" colspan="2">
-      <b>Check that the codes match</b><br>
-      Compare the <b>Current OTP</b> in Thijooree with the code for the same account in Google Authenticator. They should be the same, because both use the same seed.
-    </td>
-    <td></td>
-  </tr>
-</table>
-
-## Log in to Thijooree
-
-Once the codes match, in Thijooree:
-
-1. Enter your bank **Username** and **Password**.
-2. Tap **Login**.
-
-> [!TIP]
-> The OTP changes every 30 seconds. If the codes don't match, wait for both to refresh and compare again. If they still differ, go back to step 3 and check you selected the right account.
-
-> [!WARNING]
-> The QR code screenshot holds your OTP seed. Delete it from your phone, and from any cloud photo backup, once you have logged in.

docs/thijooree/faq/totpseed/04-export-microsoft.md

@@ -1,62 +0,0 @@
-# Export from Microsoft Authenticator
-
-Microsoft Authenticator can't export TOTP seeds unless your phone is rooted, so you can't move an existing seed out of it.
-
-Instead, reset your OTP seed with your bank to get a new secret key. Add that key to Thijooree, and to Microsoft Authenticator too if you want codes in both apps.
-
-> [!IMPORTANT]
-> Resetting replaces the old seed. The existing BML entry in Microsoft Authenticator stops working, so you have to add the new key to it again.
-
-## How to do it
-
-1. Follow [Set up BML](01-setup-bml.md) up to **step 5**, where you copy the secret key.
-2. Add the key to Microsoft Authenticator using the steps below.
-3. Go back to [Set up BML](01-setup-bml.md) and continue from **step 6**.
-
-> [!WARNING]
-> Add the key to Microsoft Authenticator **before step 7** (Verify Code). After you verify, BML stops showing the secret key and you would have to reset again.
-
-## Add the key to Microsoft Authenticator
-
-<table>
-  <tr>
-    <th width="20%">Step 1</th>
-    <th width="20%">Step 2</th>
-    <th width="20%">Step 3</th>
-    <th width="20%">Step 4</th>
-    <th width="20%">Done</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/msauth_1.jpg" alt="Microsoft Authenticator home screen with the QR code button highlighted" width="160"></td>
-    <td align="center"><img src="screenshots/msauth_2.jpg" alt="Scan QR Code screen with the Enter code manually button highlighted" width="160"></td>
-    <td align="center"><img src="screenshots/msauth_3.jpg" alt="Add account screen with Other account highlighted" width="160"></td>
-    <td align="center"><img src="screenshots/msauth_4.jpg" alt="Add account form with account name and secret key filled in" width="160"></td>
-    <td align="center"><img src="screenshots/msauth_5.jpg" alt="Bank of Maldives account in the Microsoft Authenticator list showing a 6-digit code" width="160"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Add an account</b><br>
-      Open Microsoft Authenticator and tap the <b>QR code button</b> in the bottom-right corner.
-    </td>
-    <td valign="top">
-      <b>Enter the code manually</b><br>
-      BML is on the same phone, so there is nothing to scan. Tap <b>Enter code manually</b>.
-    </td>
-    <td valign="top">
-      <b>Choose the account type</b><br>
-      Tap <b>Other account (Google, Facebook, etc.)</b>.
-    </td>
-    <td valign="top">
-      <b>Paste the secret key</b><br>
-      Enter an <b>Account Name</b> such as <i>Bank of Maldives</i>, paste the key from BML into <b>Secret Key</b> and tap <b>Finish</b>.
-    </td>
-    <td valign="top">
-      <b>Account added</b><br>
-      The account now shows a 6-digit code. It matches the code in Thijooree because both use the same key.
-    </td>
-  </tr>
-</table>
-
-Now go back to [Set up BML](01-setup-bml.md) and continue from **step 6**. In step 7 you can verify with the code from either Thijooree or Microsoft Authenticator.
-
-For MIB, see [Set up MIB](02-setup-mib.md).

docs/thijooree/faq/totpseed/05-export-bitwarden.md

@@ -1,52 +0,0 @@
-# Export from Bitwarden
-
-Bitwarden stores the authenticator key of a login in plain text. Copy it from the login's edit screen and paste it into Thijooree to get the same OTP seed, without resetting anything with your bank.
-
-> [!NOTE]
-> Copying the key doesn't change your seed. Bitwarden keeps working, and it shows the same codes as Thijooree.
-
-<table>
-  <tr>
-    <th width="25%">Step 1</th>
-    <th width="25%">Step 2</th>
-    <th width="25%">Step 3</th>
-    <th width="25%">Step 4</th>
-  </tr>
-  <tr>
-    <td align="center"><img src="screenshots/bitwarden_1.jpg" alt="Bitwarden View login screen for Bank of Maldives with the edit button highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/bitwarden_2.jpg" alt="Bitwarden Edit login screen with the copy button next to the Authenticator key highlighted" width="200"></td>
-    <td align="center"><img src="screenshots/thijooree_6.jpg" alt="Thijooree sign-in screen with the OTP seed filled in and the current OTP shown" width="200"></td>
-    <td align="center"><img src="screenshots/bitwarden_3.jpg" alt="Bitwarden View login screen with the Authenticator key code highlighted, matching Thijooree" width="200"></td>
-  </tr>
-  <tr>
-    <td valign="top">
-      <b>Edit your bank login</b><br>
-      In Bitwarden, open the login for your bank and tap the <b>edit button</b> in the bottom-right corner.
-    </td>
-    <td valign="top">
-      <b>Copy the authenticator key</b><br>
-      Tap the <b>copy button</b> next to <b>Authenticator key</b>.
-    </td>
-    <td valign="top">
-      <b>Add the seed to Thijooree</b><br>
-      Open Thijooree and paste the key into <b>OTP Seed (TOTP Secret)</b>. The <b>Current OTP</b> appears below it.
-    </td>
-    <td valign="top">
-      <b>Check that the codes match</b><br>
-      Go back to Bitwarden, close the edit screen without saving and compare the <b>Authenticator key</b> code with the <b>Current OTP</b> in Thijooree. They should be the same, because both use the same seed.
-    </td>
-  </tr>
-</table>
-
-## Log in to Thijooree
-
-Once the codes match, in Thijooree:
-
-1. Enter your bank **Username** and **Password**.
-2. Tap **Login**.
-
-> [!TIP]
-> The OTP changes every 30 seconds. If the codes don't match, wait for both to refresh and compare again. If they still differ, copy the key from Bitwarden again and make sure you opened the right login.
-
-> [!WARNING]
-> The authenticator key gives full access to your OTP codes. Don't share it or paste it anywhere else.

docs/thijooree/faq/totpseed/README.md

@@ -1,27 +0,0 @@
-# TOTP Seed
-
-## What is a TOTP seed?
-
-A TOTP (Time-based One-Time Password) seed is the secret key your bank gives you when you set up its authenticator. It looks like a string of capital letters and numbers such as `JBSWY3DPEHPK3PXP`, or comes inside a QR code as an `otpauth://` link.
-
-## Thijooree needs the seed to: 
-- Enable OTP-less Transactions.
-- Show your OTP codes (to use official bank app or website along with Thijooree.)
-
-To keep transactions secure, you can have Thijooree ask for your biometrics instead of an OTP. \
-Keep your seed private: anyone who has it can make your OTP codes.
-
-## How do I get my TOTP seed?
-
-You get your seed in one of two ways:
-
-### Setup
-
-1. [Set up BML](01-setup-bml.md)
-2. [Set up MIB](02-setup-mib.md)
-
-### Export
-
-3. [Export from Google Authenticator](03-export-googleauthenticator.md)
-4. [Export from Microsoft Authenticator](04-export-microsoft.md)
-5. [Export from Bitwarden](05-export-bitwarden.md)