Release v1.0.33

app/build.gradle.kts

@@ -21,8 +21,8 @@ android {
         applicationId = "sh.sar.basedbank"
         minSdk = 26
         targetSdk = 36
-        versionCode = 31
+        versionCode = 33
-        versionName = "1.0.30"
+        versionName = "1.0.32"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
 

app/src/main/AndroidManifest.xml

@@ -32,6 +32,7 @@
 
         <activity
             android:name=".MainActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation"
             android:exported="true"
             android:label="@string/app_name">
             <intent-filter>
@@ -45,20 +46,24 @@
 
         <activity
             android:name=".LockActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation"
             android:exported="false"
             android:windowSoftInputMode="adjustResize" />
 
         <activity
             android:name=".ui.onboarding.OnboardingActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation"
             android:exported="false" />
 
         <activity
             android:name=".ui.login.LoginActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation"
             android:exported="false"
             android:windowSoftInputMode="adjustResize" />
 
         <activity
             android:name=".ui.home.HomeActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation|uiMode|locale|layoutDirection|fontScale|density"
             android:exported="false"
             android:windowSoftInputMode="adjustPan" />
 
@@ -69,6 +74,7 @@
 
         <activity
             android:name=".nfc.BmlTapToPayActivity"
+            android:configChanges="orientation|screenSize|screenLayout|smallestScreenSize|keyboard|keyboardHidden|navigation"
             android:exported="false"
             android:launchMode="singleTop"
             android:theme="@style/Theme.BasedBank" />

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

@@ -0,0 +1,82 @@
+package sh.sar.basedbank.api.bml
+
+import okhttp3.MediaType.Companion.toMediaType
+import okhttp3.Request
+import okhttp3.RequestBody.Companion.toRequestBody
+import org.json.JSONObject
+
+/**
+ * BML Merchant Services payment links (`https://transaction.merchants.bankofmaldives.com.mv/<id>`),
+ * e.g. the bill links Fenaka sends. The web page only shows a QR; this fetches the QR's text so it
+ * can go through the regular BML QR payment flow.
+ */
+class BmlMerchantTxnClient {
+
+    private val client = newBmlApiClient()
+
+    /**
+     * Returns the transaction's EMV QR payload (`vendorQrCode`).
+     *
+     * A GET on the transaction is 401 without the page's Cognito credentials, but the PATCHes the
+     * page itself sends need no auth and return the full transaction:
+     *  - on load, `activeBrowserId` (`<id>_<epoch millis>`);
+     *  - on picking "BML" as the payment method, `provider: bml_mpos`.
+     *
+     * A fresh link has no provider yet, so `vendorQrCode` is null until the second PATCH selects
+     * one. Links already opened with BML chosen return it from the first.
+     */
+    fun fetchQrPayload(transactionId: String): String {
+        val browserId = JSONObject()
+            .put("activeBrowserId", "${transactionId}_${System.currentTimeMillis()}")
+        patch(transactionId, browserId).vendorQrCode()?.let { return it }
+        // Whether the provider PATCH returns the QR itself or it is generated a moment later has
+        // not been observed, so re-read a few times before giving up. Re-reads use the load PATCH:
+        // each provider PATCH counts as another payment attempt.
+        var txn = patch(transactionId, JSONObject().put("provider", PROVIDER_BML))
+        repeat(3) {
+            txn.vendorQrCode()?.let { return it }
+            Thread.sleep(1000)
+            txn = patch(transactionId, browserId)
+        }
+        return txn.vendorQrCode() ?: throw Exception("Transaction has no QR")
+    }
+
+    private fun patch(transactionId: String, body: JSONObject): JSONObject {
+        val request = Request.Builder()
+            .url("$API_BASE/transactions/$transactionId")
+            .patch(body.toString().toRequestBody("application/json".toMediaType()))
+            .header("Accept", "*/*")
+            .header("Origin", PAGE_ORIGIN)
+            .header("Referer", "$PAGE_ORIGIN/")
+            .build()
+        return client.newCall(request).execute().use { response ->
+            val text = response.body?.string().orEmpty()
+            if (!response.isSuccessful || !text.trimStart().startsWith("{"))
+                throw Exception("Transaction lookup failed (HTTP ${response.code})")
+            JSONObject(text)
+        }
+    }
+
+    /**
+     * No state check: only QR_CODE_GENERATED has been observed, and BML's payrequest lookup
+     * already rejects a paid or expired QR with its own message. `isNull` first — `optString`
+     * turns a JSON null into the string "null".
+     */
+    private fun JSONObject.vendorQrCode(): String? =
+        if (isNull("vendorQrCode")) null else optString("vendorQrCode").ifBlank { null }
+
+    companion object {
+        private const val API_BASE = "https://api.merchants.bankofmaldives.com.mv"
+        private const val PAGE_ORIGIN = "https://transaction.merchants.bankofmaldives.com.mv"
+        private const val PROVIDER_BML = "bml_mpos"
+        private val TXN_URL = Regex("^https?://transaction\\.merchants\\.bankofmaldives\\.com\\.mv/([0-9a-fA-F]{24})(?:[/?#].*)?$")
+        private val TXN_ID = Regex("^[0-9a-fA-F]{24}$")
+
+        /** The transaction ID from a bare 24-hex ID or a pasted payment link, else null. */
+        fun parseTransactionId(input: String): String? {
+            val s = input.trim()
+            val id = if (TXN_ID.matches(s)) s else TXN_URL.find(s)?.groupValues?.get(1)
+            return id?.lowercase()
+        }
+    }
+}

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

@@ -25,7 +25,9 @@ import androidx.core.view.WindowInsetsCompat
 import androidx.core.view.updatePadding
 import androidx.fragment.app.Fragment
 import androidx.lifecycle.lifecycleScope
+import androidx.lifecycle.DefaultLifecycleObserver
 import androidx.lifecycle.Lifecycle
+import androidx.lifecycle.LifecycleOwner
 import androidx.lifecycle.repeatOnLifecycle
 import kotlinx.coroutines.Dispatchers
 import kotlinx.coroutines.async
@@ -104,6 +106,57 @@ class HomeActivity : AppCompatActivity() {
         if (securitySet) lock()
     }
 
+    // ── Payment guard ─────────────────────────────────────────────────────────
+    //
+    // The manifest has this activity handle theme, language, font-size and display-size changes
+    // itself, because recreating it mid-payment tears down the screen waiting on the bank's
+    // answer — the money can move with nothing left to say so. Those changes still need a
+    // recreate to re-inflate with the new resources, so it runs straight away when nothing is in
+    // flight and otherwise waits until the last payment finishes.
+
+    private var paymentsInFlight = 0
+    private var recreatePending = false
+    private var lastConfig: Configuration? = null
+
+    /** A payment in flight; [end] it once the outcome is on screen. Ending twice is harmless. */
+    inner class PaymentGuard internal constructor() {
+        private var ended = false
+        fun end() {
+            if (ended) return
+            ended = true
+            paymentsInFlight--
+            if (paymentsInFlight == 0 && recreatePending) {
+                recreatePending = false
+                // Posted so a receipt screen committed in the same pass is saved with the state
+                binding.root.post { recreate() }
+            }
+        }
+    }
+
+    /** Holds off recreation until the guard ends, or [owner] is destroyed, whichever is first. */
+    fun beginPayment(owner: LifecycleOwner): PaymentGuard {
+        paymentsInFlight++
+        val guard = PaymentGuard()
+        owner.lifecycle.addObserver(object : DefaultLifecycleObserver {
+            override fun onDestroy(owner: LifecycleOwner) = guard.end()
+        })
+        return guard
+    }
+
+    override fun onConfigurationChanged(newConfig: Configuration) {
+        super.onConfigurationChanged(newConfig)
+        val previous = lastConfig
+        lastConfig = Configuration(newConfig)
+        // Size and orientation changes are handled in place; these need fresh resources.
+        val needsRecreate = android.content.pm.ActivityInfo.CONFIG_UI_MODE or
+            android.content.pm.ActivityInfo.CONFIG_LOCALE or
+            android.content.pm.ActivityInfo.CONFIG_LAYOUT_DIRECTION or
+            android.content.pm.ActivityInfo.CONFIG_FONT_SCALE or
+            android.content.pm.ActivityInfo.CONFIG_DENSITY
+        if (previous == null || (previous.diff(newConfig) and needsRecreate) == 0) return
+        if (paymentsInFlight > 0) recreatePending = true else recreate()
+    }
+
     fun lockApp() = lock()
 
     fun notifyWheelLockTap() {
@@ -136,6 +189,7 @@ class HomeActivity : AppCompatActivity() {
             window.addFlags(android.view.WindowManager.LayoutParams.FLAG_SECURE)
         }
         setContentView(binding.root)
+        lastConfig = Configuration(resources.configuration)
         val isLight = (resources.configuration.uiMode and Configuration.UI_MODE_NIGHT_MASK) == Configuration.UI_MODE_NIGHT_NO
         WindowCompat.getInsetsController(window, window.decorView).apply {
             isAppearanceLightStatusBars = isLight
@@ -171,6 +225,16 @@ class HomeActivity : AppCompatActivity() {
             insets
         }
 
+        // The app bar only pads for the status bar. In landscape the navigation bar (and any
+        // cutout) sits at a side edge, and the toolbar's end icons — the lock button — would
+        // draw underneath it, out of reach.
+        ViewCompat.setOnApplyWindowInsetsListener(binding.toolbar) { v, insets ->
+            val sides = insets.getInsets(
+                WindowInsetsCompat.Type.systemBars() or WindowInsetsCompat.Type.displayCutout())
+            v.updatePadding(left = sides.left, right = sides.right)
+            insets
+        }
+
         binding.bottomNavigation.setOnItemSelectedListener { item ->
             if (suppressBottomNavCallback) return@setOnItemSelectedListener true
             val frag = when (item.itemId) {
@@ -528,6 +592,10 @@ fun applyNavLabelVisibility() {
 
     private fun routeSharedQrText(text: String) {
         val store = CredentialStore(this)
+        sh.sar.basedbank.api.bml.BmlMerchantTxnClient.parseTransactionId(text)?.let {
+            navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlTxn(it))
+            return
+        }
         val bmlTarget = sh.sar.basedbank.util.PaymvQrParser.bmlQrPayTarget(text)
         if (bmlTarget != null) {
             navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, store.getDefaultCardAccountNumber()))

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

@@ -56,4 +56,7 @@ class HomeViewModel(application: Application) : AndroidViewModel(application) {
      * for HTTP 5xx server errors from specific banks.
      */
     val connectivityErrors = MutableLiveData<Set<String>>(emptySet())
+
+    /** The Transfer screen's form, kept here so tab switches and recreation don't lose it. */
+    var transferDraft = sh.sar.basedbank.ui.home.transfer.TransferDraft()
 }

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

@@ -123,15 +123,11 @@ class CardsFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
-        val screenW = resources.displayMetrics.widthPixels
+        stackAdapter = CardStackAdapter()
-        val peekPx = screenW / 8
-        cardWidth = screenW - 2 * peekPx
-
-        stackAdapter = CardStackAdapter(cardWidth)
         binding.rvCards.layoutManager = LinearLayoutManager(requireContext(), LinearLayoutManager.HORIZONTAL, false)
         binding.rvCards.adapter = stackAdapter
-        binding.rvCards.setPadding(peekPx, 0, peekPx, 0)
         binding.rvCards.clipToPadding = false
+        applyCarouselWidth()
 
         val snapHelper = PagerSnapHelper()
         snapHelper.attachToRecyclerView(binding.rvCards)
@@ -637,8 +633,13 @@ class CardsFragment : Fragment() {
 
     // ── Tap-to-pay mode ────────────────────────────────────────────────────────
 
+    /** Held while tap mode is up: recreating the activity would clear the NFC payment token. */
+    private var tapGuard: HomeActivity.PaymentGuard? = null
+
     private fun setTapMode(enabled: Boolean, item: CardItem.Bml? = null) {
         isTapMode = enabled
+        tapGuard?.end()
+        tapGuard = if (enabled) (activity as? HomeActivity)?.beginPayment(viewLifecycleOwner) else null
         requireActivity().title = getString(if (enabled) R.string.card_pay_nfc else R.string.nav_pay_with_card)
         if (enabled) enterTapMode(item!!) else exitTapMode()
     }
@@ -959,6 +960,25 @@ class CardsFragment : Fragment() {
         }
     }
 
+    /** Sizes the carousel from the window width: each card leaves a 1/8 peek on either side. */
+    private fun applyCarouselWidth() {
+        val screenW = resources.displayMetrics.widthPixels
+        val peekPx = screenW / 8
+        cardWidth = screenW - 2 * peekPx
+        binding.rvCards.setPadding(peekPx, 0, peekPx, 0)
+    }
+
+    // HomeActivity handles size changes itself (rotation, split screen) rather than being
+    // recreated, so the carousel has to re-measure for the new width on its own.
+    override fun onConfigurationChanged(newConfig: android.content.res.Configuration) {
+        super.onConfigurationChanged(newConfig)
+        if (_binding == null) return
+        applyCarouselWidth()
+        stackAdapter.notifyDataSetChanged()
+        binding.rvCards.scrollToPosition(currentCardPosition)
+        binding.rvCards.post { if (_binding != null) applyCardScales() }
+    }
+
     private fun applyCardScales() {
         val rv = binding.rvCards
         val rvCenter = rv.paddingStart + (rv.width - rv.paddingStart - rv.paddingEnd) / 2f
@@ -1055,7 +1075,7 @@ class CardsFragment : Fragment() {
         _binding = null
     }
 
-    private inner class CardStackAdapter(private val cardWidth: Int) : RecyclerView.Adapter<CardStackAdapter.VH>() {
+    private inner class CardStackAdapter : RecyclerView.Adapter<CardStackAdapter.VH>() {
         private var items: List<CardItem> = emptyList()
 
         fun update(newItems: List<CardItem>) {
@@ -1070,6 +1090,8 @@ class CardsFragment : Fragment() {
 
         override fun onBindViewHolder(holder: VH, position: Int) {
             holder.bind(items[position])
+            // Re-applied on every bind so a width change reaches recycled holders too
+            holder.itemView.layoutParams.width = cardWidth
             // Pre-scale based on data position so initial render and off-screen cards are correct
             val fraction = abs(position - currentCardPosition).toFloat().coerceIn(0f, 1f)
             val scale = 1f - 0.18f * fraction

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

@@ -39,6 +39,7 @@ import kotlinx.coroutines.launch
 import kotlinx.coroutines.withContext
 import sh.sar.basedbank.BasedBankApp
 import sh.sar.basedbank.R
+import sh.sar.basedbank.api.bml.BmlMerchantTxnClient
 import sh.sar.basedbank.api.models.BankAccount
 import sh.sar.basedbank.api.models.BankContact
 import sh.sar.basedbank.api.mib.MibIpsAccountInfo
@@ -50,6 +51,7 @@ import sh.sar.basedbank.ui.home.transfer.BmlTransferHandler
 import sh.sar.basedbank.ui.home.transfer.FahipayTransferHandler
 import sh.sar.basedbank.ui.home.transfer.MfaisaTransferHandler
 import sh.sar.basedbank.ui.home.transfer.MibTransferHandler
+import sh.sar.basedbank.ui.home.transfer.TransferDraft
 import sh.sar.basedbank.util.AccountListParser
 import sh.sar.basedbank.util.CredentialStore
 import sh.sar.basedbank.util.AccountInputParser
@@ -66,7 +68,16 @@ class TransferFragment : Fragment() {
     private val binding get() = _binding!!
     private val viewModel: HomeViewModel by activityViewModels()
 
-    private var selectedAccount: BankAccount? = null
+    /**
+     * The form lives on the activity's ViewModel (see [TransferDraft]) so a tab switch or a
+     * theme/language recreation repaints it rather than starting over. The properties below are
+     * the fragment's view of it.
+     */
+    private val draft: TransferDraft get() = viewModel.transferDraft
+
+    private var selectedAccount: BankAccount?
+        get() = draft.selectedAccount
+        set(value) { draft.selectedAccount = value }
     private fun bmlSessionFor(account: BankAccount?) = bmlHandler().sessionFor(account)
 
     /**
@@ -77,21 +88,36 @@ class TransferFragment : Fragment() {
     private val mibHandler by lazy { MibTransferHandler(this) { selectedAccount } }
 
     // Resolved recipient info — set after successful lookup or prefill
-    private var resolvedAccountNumber = ""
+    private var resolvedAccountNumber: String
-    private var resolvedRecipientName = ""
+        get() = draft.resolvedAccountNumber
-    private var resolvedBankName = ""
+        set(value) { draft.resolvedAccountNumber = value }
-    /** Last real profile/contact photo loaded into the "To" card (not an initials placeholder). */
+    private var resolvedRecipientName: String
-    private var loadedToPhoto: Bitmap? = null
+        get() = draft.resolvedRecipientName
-    private var resolvedDestCurrency = ""  // "MVR" / "USD" / "" if unknown
+        set(value) { draft.resolvedRecipientName = value }
-    private var resolvedToOwnAccount: BankAccount? = null
+    private var resolvedBankName: String
+        get() = draft.resolvedBankName
+        set(value) { draft.resolvedBankName = value }
+    private var loadedToPhoto: Bitmap?
+        get() = draft.loadedToPhoto
+        set(value) { draft.loadedToPhoto = value }
+    private var resolvedDestCurrency: String
+        get() = draft.resolvedDestCurrency
+        set(value) { draft.resolvedDestCurrency = value }
+    private var resolvedToOwnAccount: BankAccount?
+        get() = draft.resolvedToOwnAccount
+        set(value) { draft.resolvedToOwnAccount = value }
+    private var savedToSubtitle: String
+        get() = draft.toSubtitle
+        set(value) { draft.toSubtitle = value }
+    private var savedToColorHex: String
+        get() = draft.toColorHex
+        set(value) { draft.toColorHex = value }
+    private var savedToImageHash: String?
+        get() = draft.toImageHash
+        set(value) { draft.toImageHash = value }
 
-    // Form state preserved across view destroy/create when the fragment instance is cached
+    /** Set when this view applied the fragment's arguments, so the accounts observer may too. */
-    private var savedAmount = ""
+    private var argsAppliedThisView = false
-    private var savedRemarks = ""
-    private var savedToText = ""
-    private var savedToSubtitle = ""
-    private var savedToColorHex = "#607D8B"
-    private var savedToImageHash: String? = null
 
     private val dropdownProfileImageCache = mutableMapOf<String, Bitmap>()
 
@@ -111,6 +137,7 @@ class TransferFragment : Fragment() {
             viewModel = viewModel,
             currentSource = { selectedAccount },
             selectSource = ::selectSourceAccount,
+            clearSource = ::clearSourceAccount,
             onStateChanged = { updateTransferButton() },
             onTransferSuccess = { receipt, avatar ->
                 ReceiptStore.save(requireContext(), receipt)
@@ -177,13 +204,17 @@ class TransferFragment : Fragment() {
         if (result.resultCode != Activity.RESULT_OK) return
         val raw = result.data?.getStringExtra(QrScannerActivity.EXTRA_QR_CONTENT) ?: return
 
+        // BML Merchant Services payment link — resolve it to the QR its page would show
+        BmlMerchantTxnClient.parseTransactionId(raw)?.let {
+            binding.etTo.setText(it)
+            lookupBmlMerchantTransaction(it)
+            return
+        }
+
         // BML card/gateway/POS QR — hand off to dedicated payment screen
         val bmlTarget = PaymvQrParser.bmlQrPayTarget(raw)
         if (bmlTarget != null) {
-            val fromCard = selectedAccount?.takeIf {
+            openBmlQr(bmlTarget)
-                it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" || it.profileType == "BML_DEBIT"
-            }
-            (requireActivity() as HomeActivity).navigateTo(R.id.nav_transfer, TransferFragment.newInstanceFromBmlQr(bmlTarget, fromCard?.accountNumber))
             return
         }
 
@@ -247,6 +278,9 @@ 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_BML_TXN_ID = "bml_txn_id"
+        /** Set once the arguments have been applied, so later views restore the draft instead. */
+        private const val ARG_APPLIED = "args_applied"
 
         fun newInstanceWithAutoScan() = TransferFragment().apply {
             arguments = Bundle().apply { putBoolean(ARG_AUTO_SCAN, true) }
@@ -259,6 +293,11 @@ class TransferFragment : Fragment() {
             }
         }
 
+        /** Opens on a BML Merchant Services transaction ID, which is resolved to its QR on load. */
+        fun newInstanceFromBmlTxn(transactionId: String) = TransferFragment().apply {
+            arguments = Bundle().apply { putString(ARG_BML_TXN_ID, transactionId) }
+        }
+
         fun newInstanceFrom(account: BankAccount) = TransferFragment().apply {
             arguments = Bundle().apply { putString(ARG_FROM_ACCOUNT, account.accountNumber) }
         }
@@ -304,6 +343,16 @@ class TransferFragment : Fragment() {
     }
 
     override fun onViewCreated(view: View, savedInstanceState: Bundle?) {
+        // A screen opened with its own arguments (scanned QR, picked contact…) starts a fresh
+        // draft, once. Every later view — tab switch back, theme recreation — restores instead.
+        // The flag lives in the arguments so it survives the fragment being recreated too.
+        val args = arguments
+        argsAppliedThisView = args != null && !args.getBoolean(ARG_APPLIED, false)
+        if (argsAppliedThisView) {
+            viewModel.transferDraft = TransferDraft()
+            args!!.putBoolean(ARG_APPLIED, true)
+        }
+
         qrLauncher = requireActivity().activityResultRegistry.register(
             qrLauncherKey, viewLifecycleOwner, ActivityResultContracts.StartActivityForResult()
         ) { onQrScanned(it) }
@@ -367,6 +416,19 @@ class TransferFragment : Fragment() {
 
         binding.etAmount.addTextChangedListener { updateTransferButton() }
 
+        if (argsAppliedThisView) applyArguments()
+    }
+
+    override fun onViewStateRestored(savedInstanceState: Bundle?) {
+        super.onViewStateRestored(savedInstanceState)
+        // Repaint here, not in onViewCreated: after a recreation the framework restores the
+        // EditTexts' old text in between, and that setText on the To field fires its "user
+        // edited the recipient" listener — which would hide a To card painted earlier.
+        if (!argsAppliedThisView) restoreFromDraft()
+    }
+
+    /** First view of a screen opened with arguments: prefill from them. */
+    private fun applyArguments() {
         // Pre-select contact if navigated from contacts page or QR scan
         arguments?.getString(ARG_ACCOUNT)?.let { account ->
             prefillToDirectly(
@@ -380,15 +442,34 @@ class TransferFragment : Fragment() {
         arguments?.getString(ARG_AMOUNT_PREFILL)?.let { binding.etAmount.setText(it) }
         arguments?.getString(ARG_REMARKS_PREFILL)?.let { binding.etRemarks.setText(it) }
 
-        arguments?.getString(ARG_BML_QR_URL)?.let { bmlHandler().lookupQrMerchant(it) }
+        arguments?.getString(ARG_BML_QR_URL)?.let { openBmlQr(it) }
+        arguments?.getString(ARG_BML_TXN_ID)?.let {
+            // Shown in the To field so a failed lookup leaves the ID there to retry or correct.
+            binding.etTo.setText(it)
+            lookupBmlMerchantTransaction(it)
+        }
 
         if (arguments?.getBoolean(ARG_AUTO_SCAN, false) == true) {
             launchQrScanner()
         }
+    }
 
-        // Restore form state when view is recreated on the cached no-args instance
+    /**
-        if (arguments == null) {
+     * Repaints a recreated view from [draft] — nothing is looked up again. The From card is
-            if (resolvedAccountNumber.isNotEmpty()) {
+     * repainted by the accounts observer; a BML QR lookup that never finished is retried there.
+     */
+    private fun restoreFromDraft() {
+        // Amount first: a dynamic merchant QR overwrites and locks it below
+        if (draft.amount.isNotEmpty()) binding.etAmount.setText(draft.amount)
+        if (draft.remarks.isNotEmpty()) binding.etRemarks.setText(draft.remarks)
+        val bmlQr = draft.bmlQrInfo
+        val mfaisaQr = draft.mfaisaQrInfo
+        val mfaisaRecipient = draft.mfaisaRecipient
+        when {
+            bmlQr != null -> bmlHandler().showQrMerchant(bmlQr)
+            mfaisaQr != null -> mfaisaHandler().showQrMerchant(mfaisaQr)
+            mfaisaRecipient != null -> mfaisaHandler().showResolvedRecipient(mfaisaRecipient, saveRecent = false)
+            resolvedAccountNumber.isNotEmpty() -> {
                 val ownAccount = viewModel.accounts.value?.firstOrNull { it.accountNumber == resolvedAccountNumber }
                 if (ownAccount != null) {
                     showToCard(ownAccount)
@@ -404,22 +485,40 @@ class TransferFragment : Fragment() {
                 binding.btnPickContact.visibility = View.GONE
                 binding.btnScanQr.visibility = View.GONE
                 binding.cardToInfo.visibility = View.VISIBLE
-                if (savedToImageHash != null) loadToPhoto(savedToImageHash!!, isProfile = resolvedToOwnAccount != null)
+                val photo = loadedToPhoto
-            } else if (savedToText.isNotEmpty()) {
+                if (photo != null) {
-                binding.etTo.setText(savedToText, false)
+                    binding.ivToPhoto.scaleType = android.widget.ImageView.ScaleType.CENTER_CROP
+                    binding.ivToPhoto.setImageBitmap(photo)
+                } else {
+                    savedToImageHash?.let { loadToPhoto(it, isProfile = resolvedToOwnAccount != null) }
+                }
+            }
+            draft.toText.isNotEmpty() -> binding.etTo.setText(draft.toText, false)
         }
-            if (savedAmount.isNotEmpty()) binding.etAmount.setText(savedAmount)
-            if (savedRemarks.isNotEmpty()) binding.etRemarks.setText(savedRemarks)
         updateTransferButton()
     }
-    }
 
-    /** Restores the To-input row to its default state when a QR lookup fails. */
+    /**
-    internal fun resetToFieldVisibility() {
+     * Freezes the amount at a merchant's preset value. Unlike disabling the field this keeps it
-        binding.cardToInfo.visibility = View.GONE
+     * at full colour — it's the figure being paid, so it should read clearly — and a lock icon
-        binding.tilTo.visibility = View.VISIBLE
+     * says why it can't be typed into.
-        binding.btnPickContact.visibility = View.VISIBLE
+     */
-        binding.btnScanQr.visibility = View.VISIBLE
+    internal fun setAmountLocked(locked: Boolean) {
+        binding.etAmount.apply {
+            isFocusable = !locked
+            isFocusableInTouchMode = !locked
+            isCursorVisible = !locked
+            isLongClickable = !locked
+            if (locked) clearFocus()
+        }
+        binding.tilAmount.apply {
+            if (locked) {
+                endIconMode = com.google.android.material.textfield.TextInputLayout.END_ICON_CUSTOM
+                endIconDrawable = ContextCompat.getDrawable(requireContext(), R.drawable.ic_lock)
+            } else {
+                endIconMode = com.google.android.material.textfield.TextInputLayout.END_ICON_NONE
+            }
+        }
     }
 
     internal fun startLookupLoading() {
@@ -446,14 +545,7 @@ class TransferFragment : Fragment() {
     }
 
     private fun setupFromDropdown() {
-        binding.btnClearFromInfo.setOnClickListener {
+        binding.btnClearFromInfo.setOnClickListener { clearSourceAccount() }
-            selectedAccount = null
-            binding.tilAmount.prefixText = null
-            binding.cardFromInfo.visibility = View.GONE
-            binding.tilFrom.visibility = View.VISIBLE
-            binding.actvFrom.setText("", false)
-            updateTransferButton()
-        }
 
         viewModel.accounts.observe(viewLifecycleOwner) { accounts ->
             accountDropdownAdapter = AccountDropdownAdapter(requireContext(), accounts)
@@ -480,7 +572,7 @@ class TransferFragment : Fragment() {
                 updateTransferButton()
             }
 
-            val fromNumber = arguments?.getString(ARG_FROM_ACCOUNT)
+            val fromNumber = arguments?.getString(ARG_FROM_ACCOUNT)?.takeIf { argsAppliedThisView }
             if (fromNumber != null && selectedAccount == null) {
                 val match = accounts.firstOrNull { it.accountNumber == fromNumber }
                 if (match != null) {
@@ -492,7 +584,7 @@ class TransferFragment : Fragment() {
             }
 
             // Auto-select default account when arriving from contacts page (TO account already pre-filled)
-            if (selectedAccount == null && arguments?.getString(ARG_ACCOUNT) != null) {
+            if (selectedAccount == null && argsAppliedThisView && arguments?.getString(ARG_ACCOUNT) != null) {
                 val defaultNum = CredentialStore(requireContext()).getDefaultAccountNumber()
                 if (defaultNum != null) {
                     val defaultAcc = accounts.firstOrNull { it.accountNumber == defaultNum }
@@ -506,12 +598,9 @@ class TransferFragment : Fragment() {
             }
 
             // On a cold start (e.g. share intent), anyBmlSession() may be null when
-            // onViewCreated runs. Retry the lookup once sessions are available.
+            // onViewCreated runs; a lookup can also have been cut off by leaving the tab.
-            val pendingBmlQrUrl = arguments?.getString(ARG_BML_QR_URL)
+            // Retry it once sessions are available.
-            if (pendingBmlQrUrl != null && !bmlHandler().qrLookupAttempted) {
+            draft.pendingBmlQrTarget?.let { bmlHandler().lookupQrMerchant(it) }
-                val app = requireActivity().application as BasedBankApp
-                if (app.anyBmlSession() != null) bmlHandler().lookupQrMerchant(pendingBmlQrUrl)
-            }
 
             // Re-render the from card when the view is recreated on a cached instance
             if (selectedAccount != null && binding.cardFromInfo.visibility != View.VISIBLE) {
@@ -528,7 +617,7 @@ class TransferFragment : Fragment() {
             binding.tilTo.hint = getString(R.string.ooredoo_phone)
             binding.etTo.inputType = android.text.InputType.TYPE_CLASS_PHONE
             // Any previously-resolved non-MFAISA recipient (or stale state) is no longer valid
-            if (resolvedAccountNumber.isNotBlank() && mfaisaHandler?.recipient == null) {
+            if (resolvedAccountNumber.isNotBlank() && draft.mfaisaRecipient == null) {
                 resolvedAccountNumber = ""
                 resolvedRecipientName = ""
                 resolvedDestCurrency = ""
@@ -541,8 +630,8 @@ class TransferFragment : Fragment() {
             binding.tilTo.hint = getString(R.string.transfer_to)
             binding.etTo.inputType = android.text.InputType.TYPE_CLASS_TEXT or android.text.InputType.TYPE_TEXT_FLAG_NO_SUGGESTIONS
             // Drop any M-Faisa-resolved recipient when switching banks
-            if (mfaisaHandler?.recipient != null) {
+            if (draft.mfaisaRecipient != null) {
-                mfaisaHandler?.clearState()
+                mfaisaHandler().clearState()
                 resolvedAccountNumber = ""
                 resolvedRecipientName = ""
                 resolvedDestCurrency = ""
@@ -713,6 +802,15 @@ class TransferFragment : Fragment() {
         updateTransferButton()
     }
 
+    private fun clearSourceAccount() {
+        selectedAccount = null
+        binding.tilAmount.prefixText = null
+        binding.cardFromInfo.visibility = View.GONE
+        binding.tilFrom.visibility = View.VISIBLE
+        binding.actvFrom.setText("", false)
+        updateTransferButton()
+    }
+
     private fun updateAmountPrefix(account: BankAccount) {
         binding.tilAmount.prefixText = if (account.currencyName == "USD") "USD " else "MVR "
     }
@@ -765,7 +863,41 @@ class TransferFragment : Fragment() {
         setupContactDropdown()
     }
 
+    /**
+     * Switches this screen into BML merchant-QR mode, keeping a selected BML card as the source.
+     * Done in place: reopening the screen for it rebuilt the whole form and made the To row
+     * vanish and reappear.
+     */
+    private fun openBmlQr(bmlTarget: String) {
+        bmlHandler().lookupQrMerchant(bmlTarget)
+    }
+
+    /**
+     * A BML Merchant Services transaction ID (or its payment link) typed into the To field: fetch
+     * the QR the payment page would show and pay it like a scanned one.
+     */
+    private fun lookupBmlMerchantTransaction(transactionId: String) {
+        startLookupLoading()
+        viewLifecycleOwner.lifecycleScope.launch {
+            val target = withContext(Dispatchers.IO) {
+                runCatching { BmlMerchantTxnClient().fetchQrPayload(transactionId) }
+                    .getOrNull()?.let { PaymvQrParser.bmlQrPayTarget(it) }
+            }
+            if (_binding == null) return@launch
+            stopLookupLoading()
+            if (target == null) {
+                binding.tilTo.error = getString(R.string.transfer_bml_txn_lookup_failed)
+                return@launch
+            }
+            openBmlQr(target)
+        }
+    }
+
     private fun searchTo() {
+        BmlMerchantTxnClient.parseTransactionId(binding.etTo.text?.toString().orEmpty())?.let {
+            lookupBmlMerchantTransaction(it)
+            return
+        }
         // M-Faisa source uses an entirely different lookup path (phone → basicBeneDetails)
         if (selectedAccount?.bank == "MFAISA") {
             mfaisaHandler().searchRecipient(binding.etTo.text?.toString().orEmpty())
@@ -1396,6 +1528,10 @@ class TransferFragment : Fragment() {
         dialog.getButton(AlertDialog.BUTTON_POSITIVE)?.visibility = View.GONE
         dialog.getButton(AlertDialog.BUTTON_NEGATIVE)?.visibility = View.GONE
         dialog.setCancelable(false)
+        // From here until the outcome is dismissed the payment is in flight: a theme/language
+        // change waits rather than recreating the screen out from under it.
+        val guard = (activity as? HomeActivity)?.beginPayment(viewLifecycleOwner)
+        dialog.setOnDismissListener { guard?.end() }
         val ctx = requireContext()
         val dp = resources.displayMetrics.density
         val spinner = CircularProgressDrawable(ctx).apply {
@@ -1556,6 +1692,7 @@ class TransferFragment : Fragment() {
         binding.tilFrom.visibility = View.VISIBLE
         binding.tilAmount.prefixText = null
         binding.tilAmount.isEnabled = true
+        setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
@@ -1657,15 +1794,14 @@ class TransferFragment : Fragment() {
     override fun onDestroyView() {
         super.onDestroyView()
         // Persist form state so it can be restored when the view is recreated
-        savedAmount = binding.etAmount.text?.toString() ?: ""
+        draft.amount = binding.etAmount.text?.toString() ?: ""
-        savedRemarks = binding.etRemarks.text?.toString() ?: ""
+        draft.remarks = binding.etRemarks.text?.toString() ?: ""
-        savedToText = if (resolvedAccountNumber.isEmpty()) binding.etTo.text?.toString() ?: "" else ""
+        draft.toText = if (resolvedAccountNumber.isEmpty()) binding.etTo.text?.toString() ?: "" else ""
-        // The bank handlers hold binding refs; drop them so the next view gets fresh ones.
+        // The bank handlers hold binding refs; drop them so the next view gets fresh ones. What
-        // Clearing also resets any in-progress OTP flow, which cannot sensibly resume.
+        // they resolved lives in the draft; an in-progress BML OTP flow cannot sensibly resume.
         bmlHandler?.clearState()
         bmlHandler = null
         fahipayHandler = null
-        mfaisaHandler?.clearState()
         mfaisaHandler = null
         // Unregistered automatically with viewLifecycleOwner; drop the stale handle.
         qrLauncher = null

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

@@ -59,6 +59,8 @@ class BmlTransferHandler(
     private val currentSource: () -> BankAccount?,
     /** Asks the fragment to make [BankAccount] the source (amount prefix + from-card + Send state). */
     private val selectSource: (BankAccount) -> Unit,
+    /** Asks the fragment to drop the selected source and show the empty From picker. */
+    private val clearSource: () -> Unit,
     /** Hook called whenever handler state changes in a way that affects the Send button. */
     private val onStateChanged: () -> Unit,
     /** Hook called on a successful transfer; fragment navigates to the receipt and refreshes balances. */
@@ -74,6 +76,18 @@ class BmlTransferHandler(
     /** Business-profile OTP flow. NONE means the Send button behaves normally. */
     private enum class OtpState { NONE, SELECTING_CHANNEL, AWAITING_OTP }
     private var otpState = OtpState.NONE
+        set(value) {
+            // The whole OTP flow counts as a payment in flight: a theme change mid-way would
+            // otherwise recreate the screen between initiate and confirm.
+            if (field == OtpState.NONE && value != OtpState.NONE) {
+                otpGuard = host?.beginPayment(fragment.viewLifecycleOwner)
+            } else if (value == OtpState.NONE) {
+                otpGuard?.end()
+                otpGuard = null
+            }
+            field = value
+        }
+    private var otpGuard: HomeActivity.PaymentGuard? = null
     private var otpChannel: String? = null
 
     private data class PendingTransfer(
@@ -93,14 +107,15 @@ class BmlTransferHandler(
     )
     private var pendingTransfer: PendingTransfer? = null
 
+    // Merchant QR state lives in the draft so it outlives this handler (dropped with the view).
+    private val draft get() = viewModel.transferDraft
+
     /** Merchant QR payment mode (set when navigated from a card/gateway QR scan). */
-    var qrInfo: BmlQrPayInfo? = null
+    val qrInfo: BmlQrPayInfo? get() = draft.bmlQrInfo
-        private set
     /** True for pay.bml.com.mv QRs, which need an extra pre-initiate step. */
-    private var gatewayQr = false
+    private val gatewayQr: Boolean get() = draft.bmlGatewayQr
-    /** Prevents re-running the lookup after the user clears the merchant. */
+    /** Stops the accounts observer re-firing a lookup that is already running on this view. */
-    var qrLookupAttempted = false
+    private var qrLookupInFlight = false
-        private set
 
     // ─── Public API the fragment calls ───────────────────────────────────────
 
@@ -155,10 +170,11 @@ class BmlTransferHandler(
 
     /** Drops the loaded merchant and unlocks the amount/remarks fields the QR mode had frozen. */
     fun clearQrMerchant() {
+        draft.pendingBmlQrTarget = null
         if (qrInfo == null) return
-        qrInfo = null
+        draft.bmlQrInfo = null
-        gatewayQr = false
+        draft.bmlGatewayQr = false
-        binding.tilAmount.isEnabled = true
+        fragment.setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
@@ -173,18 +189,25 @@ class BmlTransferHandler(
 
     // ─── Merchant QR ─────────────────────────────────────────────────────────
 
+    /**
+     * Resolves a card/gateway/POS QR to its merchant and switches the screen into QR-pay mode.
+     * Until it finishes the QR stays in [TransferDraft.pendingBmlQrTarget], which the fragment
+     * retries once sessions load (cold start) or when the view comes back (tab switched away
+     * mid-lookup).
+     */
     fun lookupQrMerchant(qrUrl: String) {
-        qrLookupAttempted = true
+        // Captured so a lookup finishing after a fresh draft replaced this one can't leak into it
-        // Gateway QRs and POS QRs (the raw EMV payload, not a URL) both carry a preset amount and
+        val draft = this.draft
-        // need the extra pre-initiate POST; ebanking qrpay URLs do not.
+        draft.pendingBmlQrTarget = qrUrl
-        gatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/") || !qrUrl.startsWith("https://")
+        if (qrLookupInFlight) return
-        val payTarget = PaymvQrParser.bmlPayRequestKey(qrUrl)
         val session = app.anyBmlSession() ?: return
+        qrLookupInFlight = true
+        val payTarget = PaymvQrParser.bmlPayRequestKey(qrUrl)
 
-        // Lock the "To" input row while loading
+        // The To row stays on screen with a spinner while loading and is only swapped for the
-        binding.tilTo.visibility = View.GONE
+        // merchant card once there is a merchant to show — hiding it up front left a gap that
-        binding.btnPickContact.visibility = View.GONE
+        // made the form jump twice.
-        binding.btnScanQr.visibility = View.GONE
+        fragment.startLookupLoading()
         host?.setRefreshing(true)
 
         fragment.viewLifecycleOwner.lifecycleScope.launch {
@@ -192,19 +215,32 @@ class BmlTransferHandler(
                 runCatching { BmlQrPayClient().lookupPayRequest(session, payTarget) }
             }
             host?.setRefreshing(false)
+            qrLookupInFlight = false
+            if (fragment.view == null) return@launch
+            if (draft !== viewModel.transferDraft) return@launch
+            fragment.stopLookupLoading()
+            // Superseded: cleared meanwhile, or another QR was opened while this one ran
+            val latest = draft.pendingBmlQrTarget
+            if (latest != qrUrl) {
+                latest?.let { lookupQrMerchant(it) }
+                return@launch
+            }
+            draft.pendingBmlQrTarget = null
             val info = result.getOrNull()
             if (info == null) {
                 // An expired or rejected QR is BML telling us something specific — show its own
-                // wording and stay put with the To row restored, rather than bouncing the user out
+                // wording and stay put with the To row as it was, rather than bouncing the user
-                // of the screen they just scanned from.
+                // out of the screen they just scanned from.
                 val message = (result.exceptionOrNull() as? BmlQrPayLookupException)?.message
                     ?: ctx.getString(R.string.bml_qr_lookup_failed)
                 Toast.makeText(ctx, message, Toast.LENGTH_LONG).show()
-                fragment.resetToFieldVisibility()
                 onStateChanged()
                 return@launch
             }
-            qrInfo = info
+            draft.bmlQrInfo = info
+            // Gateway QRs and POS QRs (the raw EMV payload, not a URL) both carry a preset amount
+            // and need the extra pre-initiate POST; ebanking qrpay URLs do not.
+            draft.bmlGatewayQr = qrUrl.startsWith("https://pay.bml.com.mv/app/") || !qrUrl.startsWith("https://")
             if (info.amount == 0.0) {
                 RecentsCache.save(ctx, RecentPick(
                     accountNumber = "bmlqr:$qrUrl",
@@ -216,7 +252,13 @@ class BmlTransferHandler(
                 ))
             }
 
-            // Auto-select the user's default BML card if no card was pre-selected
+            // Hide the To row before touching the source: repainting the From card re-syncs the
+            // picker/scan buttons to the To row's visibility.
+            hideToRow()
+
+            // Only a BML card can pay a merchant QR — drop any other source, then auto-select
+            // the user's default card if no card was pre-selected
+            if (currentSource()?.let { isCard(it) } == false) clearSource()
             if (currentSource() == null) {
                 val defaultNum = CredentialStore(ctx).getDefaultCardAccountNumber()
                 if (defaultNum != null) {
@@ -229,7 +271,17 @@ class BmlTransferHandler(
                 }
             }
 
-            // Show merchant in the "To" card — clear button hidden (can't change recipient for QR)
+            showQrMerchant(info)
+        }
+    }
+
+    /**
+     * Paints a looked-up merchant into the "To" card and puts the form in QR-pay mode. Also how a
+     * recreated view restores it — no network involved.
+     */
+    fun showQrMerchant(info: BmlQrPayInfo) {
+        hideToRow()
+        // Clear button hidden (can't change recipient for QR)
         binding.tvToAccountName.text = info.merchantName
         binding.tvToBankBic.text = info.merchantAddress.ifBlank { "BML Merchant" }
         binding.tvToAccountDetails.visibility = View.GONE
@@ -241,7 +293,7 @@ class BmlTransferHandler(
         // Pre-fill amount if dynamic QR
         if (info.amount > 0.0) {
             binding.etAmount.setText("%.2f".format(info.amount))
-                binding.tilAmount.isEnabled = false
+            fragment.setAmountLocked(true)
         }
 
         // Remarks not applicable for merchant QR payments
@@ -250,6 +302,11 @@ class BmlTransferHandler(
 
         onStateChanged()
     }
+
+    private fun hideToRow() {
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
     }
 
     /**

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

@@ -54,8 +54,9 @@ class FahipayTransferHandler(
     private val ctx get() = fragment.requireContext()
 
     /** The service picked for the current recipient; null until a lookup resolves one. */
-    var service: FahipayService? = null
+    var service: FahipayService?
-        private set
+        get() = viewModel.transferDraft.fahipayService
+        private set(value) { viewModel.transferDraft.fahipayService = value }
 
     /** How the confirm dialog names the destination, or "" when nothing is selected. */
     val destinationLabel: String get() = service?.destinationLabel.orEmpty()

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

@@ -68,16 +68,29 @@ class MfaisaTransferHandler(
     private val ctx get() = fragment.requireContext()
     private val host get() = fragment.activity as? HomeActivity
 
+    // Resolved state lives in the draft so it outlives this handler (dropped with the view).
+    private val draft get() = viewModel.transferDraft
+
     /** Set to the resolved recipient after a successful search; null otherwise. */
-    var recipient: MfaisaTransferClient.Recipient? = null
+    var recipient: MfaisaTransferClient.Recipient?
-        private set
+        get() = draft.mfaisaRecipient
+        private set(value) { draft.mfaisaRecipient = value }
 
     /** Merchant QR payment mode (set when the scanned QR is an M-Faisa qrCodeId). */
-    var qrInfo: MfaisaQrPayClient.QrMerchant? = null
+    var qrInfo: MfaisaQrPayClient.QrMerchant?
-        private set
+        get() = draft.mfaisaQrInfo
+        private set(value) { draft.mfaisaQrInfo = value }
 
     private var lookupInFlight = false
 
+    /** Held from initiate until the OTP flow ends, so a theme change can't recreate mid-way. */
+    private var transferGuard: HomeActivity.PaymentGuard? = null
+
+    private fun endTransferFlow() {
+        transferGuard?.end()
+        transferGuard = null
+    }
+
     // ─── Public API the fragment calls ───────────────────────────────────────
 
     /** Whether the recipient lookup has resolved — gates the Send button. */
@@ -154,6 +167,8 @@ class MfaisaTransferHandler(
 
         binding.btnTransfer.isEnabled = false
         (fragment.activity as? HomeActivity)?.setRefreshing(true)
+        endTransferFlow()
+        transferGuard = host?.beginPayment(fragment.viewLifecycleOwner)
 
         fragment.viewLifecycleOwner.lifecycleScope.launch {
             val refId = try {
@@ -161,6 +176,7 @@ class MfaisaTransferHandler(
             } catch (e: Exception) {
                 (fragment.activity as? HomeActivity)?.setRefreshing(false)
                 binding.btnTransfer.isEnabled = true
+                endTransferFlow()
                 showError(e)
                 return@launch
             }
@@ -183,7 +199,7 @@ class MfaisaTransferHandler(
     fun clearQrMerchant() {
         if (qrInfo == null) return
         qrInfo = null
-        binding.tilAmount.isEnabled = true
+        fragment.setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
@@ -209,10 +225,8 @@ class MfaisaTransferHandler(
         // Auto-switch from a non-MFAISA source so the user doesn't have to fix it manually
         if (currentSource()?.bank != "MFAISA") selectSource(source)
 
-        // Lock the "To" input row while loading
+        // The To row stays up with a spinner until there is a merchant to swap in
-        binding.tilTo.visibility = View.GONE
+        fragment.startLookupLoading()
-        binding.btnPickContact.visibility = View.GONE
-        binding.btnScanQr.visibility = View.GONE
         host?.setRefreshing(true)
 
         fragment.viewLifecycleOwner.lifecycleScope.launch {
@@ -227,9 +241,10 @@ class MfaisaTransferHandler(
                 } catch (_: Exception) { null }
             }
             host?.setRefreshing(false)
+            if (fragment.view == null) return@launch
+            fragment.stopLookupLoading()
             if (merchant == null) {
                 Toast.makeText(ctx, "Could not look up M-Faisa QR", Toast.LENGTH_LONG).show()
-                fragment.resetToFieldVisibility()
                 return@launch
             }
             qrInfo = merchant
@@ -248,7 +263,19 @@ class MfaisaTransferHandler(
                 ))
             }
 
-            // Show merchant in the "To" card — clear button is the only way to back out
+            showQrMerchant(merchant)
+        }
+    }
+
+    /**
+     * Paints a looked-up merchant into the "To" card and locks a dynamic amount. Also how a
+     * recreated view restores it — no network involved.
+     */
+    fun showQrMerchant(merchant: MfaisaQrPayClient.QrMerchant) {
+        // Clear button is the only way to back out
+        binding.tilTo.visibility = View.GONE
+        binding.btnPickContact.visibility = View.GONE
+        binding.btnScanQr.visibility = View.GONE
         binding.tvToAccountName.text = merchant.merchantName
         binding.tvToBankBic.text = "M-Faisa merchant · ${merchant.merchantMsisdn}"
         binding.tvToAccountDetails.visibility = View.GONE
@@ -261,12 +288,11 @@ class MfaisaTransferHandler(
         val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
         if (dynamicAmount != null && dynamicAmount > 0.0) {
             binding.etAmount.setText("%.2f".format(dynamicAmount))
-                binding.tilAmount.isEnabled = false
+            fragment.setAmountLocked(true)
         }
 
         onRecipientChanged()
     }
-    }
 
     /**
      * Confirm-then-pay for a loaded merchant QR. Uses the fragment's shared confirm dialog —
@@ -397,7 +423,8 @@ class MfaisaTransferHandler(
         currentSource()?.takeIf { it.bank == "MFAISA" }
             ?: viewModel.accounts.value?.firstOrNull { it.bank == "MFAISA" }
 
-    private fun showResolvedRecipient(r: MfaisaTransferClient.Recipient) {
+    /** Paints [r] into the "To" card; a recreated view restores it with [saveRecent] off. */
+    fun showResolvedRecipient(r: MfaisaTransferClient.Recipient, saveRecent: Boolean = true) {
         // Reuse the same recipient card the fragment uses for other banks. The fragment owns the
         // card view, so we just populate its text fields and toggle visibility.
         binding.tvToAccountName.text = r.name.ifBlank { r.msisdn }
@@ -413,7 +440,7 @@ class MfaisaTransferHandler(
         binding.btnScanQr.visibility = View.GONE
         binding.cardToInfo.visibility = View.VISIBLE
 
-        RecentsCache.save(ctx, RecentPick(
+        if (saveRecent) RecentsCache.save(ctx, RecentPick(
             accountNumber  = r.msisdn,
             displayName    = r.name.ifBlank { r.msisdn },
             subtitle       = "Ooredoo M-Faisa · ${r.msisdn}",
@@ -470,7 +497,7 @@ class MfaisaTransferHandler(
         refId: String,
         errorMsg: String?
     ) {
-        val view = fragment.view ?: return
+        val view = fragment.view ?: run { endTransferFlow(); return }
         val dp = ctx.resources.displayMetrics.density
         val colorMuted = MaterialColors.getColor(
             view, com.google.android.material.R.attr.colorOnSurfaceVariant, Color.GRAY)
@@ -559,6 +586,7 @@ class MfaisaTransferHandler(
             .setNegativeButton(R.string.cancel) { d, _ ->
                 d.dismiss()
                 binding.btnTransfer.isEnabled = true
+                endTransferFlow()
             }
             .setCancelable(false)
             .show()
@@ -583,6 +611,7 @@ class MfaisaTransferHandler(
                 try {
                     withContext(Dispatchers.IO) { confirmWithRetry(source, refId, otp) }
                     (fragment.activity as? HomeActivity)?.setRefreshing(false)
+                    endTransferFlow()
                     val receipt = TransferReceiptData(
                         bank         = "MFAISA",
                         amount       = amountValue,
@@ -607,6 +636,7 @@ class MfaisaTransferHandler(
                 } catch (e: Exception) {
                     (fragment.activity as? HomeActivity)?.setRefreshing(false)
                     binding.btnTransfer.isEnabled = true
+                    endTransferFlow()
                     showError(e)
                 }
             }

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

@@ -0,0 +1,52 @@
+package sh.sar.basedbank.ui.home.transfer
+
+import android.graphics.Bitmap
+import sh.sar.basedbank.api.bml.BmlQrPayInfo
+import sh.sar.basedbank.api.mfaisa.MfaisaQrPayClient
+import sh.sar.basedbank.api.mfaisa.MfaisaTransferClient
+import sh.sar.basedbank.api.models.BankAccount
+
+/**
+ * Everything the Transfer screen has filled in or resolved so far: source, recipient, form
+ * text and any loaded merchant QR.
+ *
+ * Kept on [sh.sar.basedbank.ui.home.HomeViewModel] rather than on the fragment so it outlives
+ * both the view (switching tabs) and the fragment instance (a theme or language change
+ * recreates the activity) — the screen is repainted from here instead of re-running lookups.
+ * A new Transfer screen opened with its own arguments (a scanned QR, a contact) starts a fresh
+ * draft.
+ */
+class TransferDraft {
+    var selectedAccount: BankAccount? = null
+
+    // Resolved recipient — set after a successful lookup or prefill
+    var resolvedAccountNumber = ""
+    var resolvedRecipientName = ""
+    var resolvedBankName = ""
+    /** Last real profile/contact photo loaded into the "To" card (not an initials placeholder). */
+    var loadedToPhoto: Bitmap? = null
+    var resolvedDestCurrency = ""  // "MVR" / "USD" / "" if unknown
+    var resolvedToOwnAccount: BankAccount? = null
+    var toSubtitle = ""
+    var toColorHex = "#607D8B"
+    var toImageHash: String? = null
+
+    // Form text, captured when the view goes away
+    var amount = ""
+    var remarks = ""
+    var toText = ""
+
+    // BML merchant QR
+    var bmlQrInfo: BmlQrPayInfo? = null
+    /** True for pay.bml.com.mv and POS QRs, which need an extra pre-initiate step. */
+    var bmlGatewayQr = false
+    /** A BML QR whose lookup has not finished — no session yet, or the view went away mid-way. */
+    var pendingBmlQrTarget: String? = null
+
+    // M-Faisa
+    var mfaisaRecipient: MfaisaTransferClient.Recipient? = null
+    var mfaisaQrInfo: MfaisaQrPayClient.QrMerchant? = null
+
+    // Fahipay
+    var fahipayService: FahipayService? = null
+}

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

@@ -296,6 +296,7 @@
     <!-- BML QR Pay -->
 <string name="bml_qr_looking_up">Looking up merchant…</string>
     <string name="bml_qr_lookup_failed">Could not load merchant details</string>
+    <string name="transfer_bml_txn_lookup_failed">Could not load BML payment for this transaction ID</string>
     <string name="bml_qr_payment_success">Payment Successful</string>
     <string name="bml_qr_select_account">Select a BML account to pay from</string>
 

docs/logos/google_authenticator_logo.svg

@@ -0,0 +1,19 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Generator: Adobe Illustrator 27.4.1, SVG Export Plug-In . SVG Version: 6.00 Build 0)  -->
+<svg version="1.1" baseProfile="basic" id="Layer_1"
+	 xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 512 512"
+	 xml:space="preserve">
+<path fill="#1A73E8" d="M440,255.99997v0.00006C440,273.12085,426.12085,287,409.00003,287H302l-46-93.01001l49.6507-85.9951
+	c8.56021-14.82629,27.51834-19.9065,42.34518-11.34724l0.00586,0.0034c14.82776,8.55979,19.90875,27.51928,11.34857,42.34682
+	L309.70001,225h99.30002C426.12085,225,440,238.87917,440,255.99997z"/>
+<path fill="#EA4335" d="M348.00174,415.34897l-0.00586,0.00339c-14.82684,8.55927-33.78497,3.47903-42.34518-11.34723L256,318.01001
+	l-49.65065,85.99509c-8.5602,14.82629-27.51834,19.90652-42.34517,11.34729l-0.00591-0.00342
+	c-14.82777-8.55978-19.90875-27.51929-11.34859-42.34683L202.29999,287L256,285l53.70001,2l49.6503,86.00214
+	C367.91049,387.82968,362.8295,406.78918,348.00174,415.34897z"/>
+<path fill="#FBBC04" d="M256,193.98999L242,232l-39.70001-7l-49.6503-86.00212
+	c-8.56017-14.82755-3.47919-33.78705,11.34859-42.34684l0.00591-0.00341c14.82683-8.55925,33.78497-3.47903,42.34517,11.34726
+	L256,193.98999z"/>
+<path fill="#34A853" d="M248,225l-36,62H102.99997C85.87916,287,72,273.12085,72,256.00003v-0.00006
+	C72,238.87917,85.87916,225,102.99997,225H248z"/>
+<polygon fill="#185DB7" points="309.70001,287 202.29999,287 256,193.98999 "/>
+</svg>

docs/thijooree/faq/totpseed/README.md

@@ -17,11 +17,12 @@ You get your seed in one of two ways:
 
 ### Setup
 
-1. [Set up BML](01-setup-bml.md)
+| [<img src="../../../logos/bml_logo.png" alt="BML" height="64">](01-setup-bml.md) | [<img src="../../../logos/mib_logo.png" alt="MIB" height="64">](02-setup-mib.md) |
-2. [Set up MIB](02-setup-mib.md)
+|:---:|:---:|
+| [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)
+| [<img src="../../../logos/google_authenticator_logo.svg" alt="Google Authenticator" height="64">](03-export-googleauthenticator.md) | [<img src="../../../logos/microsoft_authenticator_logo.png" alt="Microsoft Authenticator" height="64">](04-export-microsoft.md) | [<img src="../../../logos/bitwarden_logo.png" alt="Bitwarden" height="64">](05-export-bitwarden.md) |
-4. [Export from Microsoft Authenticator](04-export-microsoft.md)
+|:---:|:---:|:---:|
-5. [Export from Bitwarden](05-export-bitwarden.md)
+| [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) |

fastlane/metadata/android/en-US/changelogs/32.txt

@@ -0,0 +1 @@
+- Pay with BML Transaction ID (On BML Pay supported transactions"

fastlane/metadata/android/en-US/changelogs/33.txt

@@ -0,0 +1,4 @@
+- Fixed payments restarting or showing as failed when rotating or resizing the app, and the To box flickering when loading a merchant
+- Transfer screen now keeps your form and merchant when switching tabs or changing theme/language, and waits for payments to finish before applying them
+- Fixed-amount merchant QR or Gateway now show the amount clearly with a lock icon instead of greying it out
+- App lock icon does not go behind navigation bar in landscape mode