From c2af15075320bf41f2f93cefb4290b7a1c3d0e85 Mon Sep 17 00:00:00 2001
From: zaragoza444 <zardashtways44@gmail.com>
Date: Sun, 5 Jul 2026 07:46:06 -0700
Subject: [PATCH] feat: OMNL Bank online production - 128 chains, Central Bank
 UI, settlement stack

---
 config/omnl-supported-chains.v1.json          |   25 +-
 .../settlement-middleware.production.v1.json  |    1 +
 config/settlement-middleware.v1.json          |    3 +-
 config/zbank-consumer-account.v1.json         |   74 +
 config/zbank-portal-auth.v1.json              |   21 +
 frontend-dapp/src/App.tsx                     |    5 +-
 .../components/layout/OmnlProductLayout.tsx   |   10 +-
 .../components/layout/RevolutBankLayout.tsx   |   36 +
 frontend-dapp/src/config/dex.ts               |   36 +-
 .../online-bank/GuosmmNoticesPanel.tsx        |    2 +-
 .../features/online-bank/OnlineBankApp.tsx    |  456 +++---
 .../online-bank/RevolutHomeScreen.tsx         |  324 ++++
 .../online-bank/RevolutLoginScreen.tsx        |   75 +
 .../features/online-bank/RevolutTabBar.tsx    |   35 +
 .../online-bank/SettlementProtocolsPanel.tsx  |   47 +-
 .../online-bank/ZBankFullSettlementPanel.tsx  |   52 +-
 .../online-bank/ZBankPosCardsPanel.tsx        |  282 ++++
 .../features/online-bank/useRevolutBank.ts    |  126 ++
 .../src/features/online-bank/useZBankAuth.ts  |   96 ++
 .../src/features/online-bank/useZBankPos.ts   |  182 +++
 .../online-bank/useZBankSettlement.ts         |   28 +-
 frontend-dapp/src/styles/online-bank.css      | 1369 ++++++++++++++---
 .../dist/bridge-validation.d.ts               |   11 +
 .../settlement-core/dist/bridge-validation.js |   67 +
 .../settlement-core/dist/chain-registry.d.ts  |    1 +
 packages/settlement-core/dist/index.d.ts      |    1 +
 packages/settlement-core/dist/index.js        |    1 +
 .../settlement-core/dist/state-machine.js     |    2 +
 packages/settlement-core/dist/types.d.ts      |   58 +-
 packages/settlement-core/dist/verbiage.js     |    4 +
 packages/settlement-core/pnpm-lock.yaml       |   39 +
 .../settlement-core/src/bridge-validation.ts  |   83 +
 .../settlement-core/src/chain-registry.ts     |    1 +
 packages/settlement-core/src/index.ts         |    1 +
 packages/settlement-core/src/state-machine.ts |    2 +
 packages/settlement-core/src/types.ts         |   63 +
 packages/settlement-core/src/verbiage.ts      |    6 +
 .../build-portal-lxc-env-fragment.sh          |    2 +-
 .../dist/adapters/bridge.js                   |   41 +
 .../dist/adapters/swift.js                    |   24 +
 .../dist/api/routes/settlement.js             |  234 +++
 services/settlement-middleware/dist/config.js |    9 +
 services/settlement-middleware/dist/index.js  |   17 +-
 .../dist/services/zbank-consumer-banking.js   |  263 ++++
 .../dist/services/zbank-consumer-config.js    |   20 +
 .../dist/services/zbank-portal-auth.js        |  145 ++
 .../dist/services/zbank-pos-config.js         |   27 +
 .../dist/store/zbank-card-store.js            |   81 +
 .../dist/workflows/external-transfer.js       |   37 +-
 .../dist/workflows/settlement-bridge.js       |  118 ++
 .../dist/workflows/token-load.js              |   21 +-
 .../dist/workflows/z-bank-m0-m4.js            |  205 +++
 .../dist/workflows/zbank-card-load.js         |  130 ++
 .../dist/workflows/zbank-pos-sale.js          |   86 ++
 .../dist/workflows/zbank-proof-of-funds.js    |   52 +
 .../src/adapters/bridge.ts                    |   53 +
 .../src/adapters/omnl.ts                      |    2 +
 .../src/api/routes/settlement.ts              |  240 ++-
 services/settlement-middleware/src/config.ts  |   10 +
 services/settlement-middleware/src/index.ts   |   18 +-
 .../src/services/zbank-consumer-banking.ts    |  360 +++++
 .../src/services/zbank-consumer-config.ts     |   72 +
 .../src/services/zbank-portal-auth.ts         |  169 ++
 .../src/services/zbank-pos-config.ts          |   42 +
 .../src/store/zbank-card-store.ts             |   81 +
 .../src/workflows/external-transfer.ts        |   23 +-
 .../src/workflows/settlement-bridge.ts        |  153 ++
 .../src/workflows/token-load.ts               |   28 +-
 .../src/workflows/z-bank-m0-m4.ts             |   25 +-
 .../src/workflows/zbank-card-load.ts          |  139 ++
 .../src/workflows/zbank-pos-sale.ts           |   91 ++
 .../src/workflows/zbank-proof-of-funds.ts     |   51 +
 .../token-aggregation/src/api/routes/omnl.ts  |  201 ++-
 73 files changed, 6319 insertions(+), 576 deletions(-)
 create mode 100644 config/zbank-consumer-account.v1.json
 create mode 100644 config/zbank-portal-auth.v1.json
 create mode 100644 frontend-dapp/src/components/layout/RevolutBankLayout.tsx
 create mode 100644 frontend-dapp/src/features/online-bank/RevolutHomeScreen.tsx
 create mode 100644 frontend-dapp/src/features/online-bank/RevolutLoginScreen.tsx
 create mode 100644 frontend-dapp/src/features/online-bank/RevolutTabBar.tsx
 create mode 100644 frontend-dapp/src/features/online-bank/ZBankPosCardsPanel.tsx
 create mode 100644 frontend-dapp/src/features/online-bank/useRevolutBank.ts
 create mode 100644 frontend-dapp/src/features/online-bank/useZBankAuth.ts
 create mode 100644 frontend-dapp/src/features/online-bank/useZBankPos.ts
 create mode 100644 packages/settlement-core/dist/bridge-validation.d.ts
 create mode 100644 packages/settlement-core/dist/bridge-validation.js
 create mode 100644 packages/settlement-core/pnpm-lock.yaml
 create mode 100644 packages/settlement-core/src/bridge-validation.ts
 create mode 100644 services/settlement-middleware/dist/adapters/bridge.js
 create mode 100644 services/settlement-middleware/dist/services/zbank-consumer-banking.js
 create mode 100644 services/settlement-middleware/dist/services/zbank-consumer-config.js
 create mode 100644 services/settlement-middleware/dist/services/zbank-portal-auth.js
 create mode 100644 services/settlement-middleware/dist/services/zbank-pos-config.js
 create mode 100644 services/settlement-middleware/dist/store/zbank-card-store.js
 create mode 100644 services/settlement-middleware/dist/workflows/settlement-bridge.js
 create mode 100644 services/settlement-middleware/dist/workflows/z-bank-m0-m4.js
 create mode 100644 services/settlement-middleware/dist/workflows/zbank-card-load.js
 create mode 100644 services/settlement-middleware/dist/workflows/zbank-pos-sale.js
 create mode 100644 services/settlement-middleware/dist/workflows/zbank-proof-of-funds.js
 create mode 100644 services/settlement-middleware/src/adapters/bridge.ts
 create mode 100644 services/settlement-middleware/src/services/zbank-consumer-banking.ts
 create mode 100644 services/settlement-middleware/src/services/zbank-consumer-config.ts
 create mode 100644 services/settlement-middleware/src/services/zbank-portal-auth.ts
 create mode 100644 services/settlement-middleware/src/services/zbank-pos-config.ts
 create mode 100644 services/settlement-middleware/src/store/zbank-card-store.ts
 create mode 100644 services/settlement-middleware/src/workflows/settlement-bridge.ts
 create mode 100644 services/settlement-middleware/src/workflows/zbank-card-load.ts
 create mode 100644 services/settlement-middleware/src/workflows/zbank-pos-sale.ts
 create mode 100644 services/settlement-middleware/src/workflows/zbank-proof-of-funds.ts

diff --git a/config/omnl-supported-chains.v1.json b/config/omnl-supported-chains.v1.json
index c05ed1c..0310e12 100644
--- a/config/omnl-supported-chains.v1.json
+++ b/config/omnl-supported-chains.v1.json
@@ -6,7 +6,7 @@
   "primaryChainId": 138,
   "mirrorChainId": 651940,
   "settlementOfficeId": 24,
-  "generatedAt": "2026-06-28T15:22:27.822Z",
+  "generatedAt": "2026-07-05T14:44:58.371Z",
   "chains": [
     {
       "chainId": 138,
@@ -1224,23 +1224,20 @@
     },
     {
       "chainId": 900001,
-      "name": "Shiva Blockchain (OneX)",
+      "name": "OMNL Expansion Slot 1",
       "type": "evm",
-      "nativeSymbol": "SHIVA",
-      "tier": "primary",
-      "omnlRole": "onex-shiva",
-      "status": "active",
+      "nativeSymbol": "ETH",
+      "tier": "reserved",
+      "omnlRole": "expansion",
+      "status": "reserved",
       "rpcEnv": "CHAIN_900001_RPC_URL",
-      "explorerUrl": "https://explorer.shiva.onex.omdnl.org",
-      "rpcDefault": "https://rpc.shiva.onex.omdnl.org",
       "settlement": {
-        "m2LoadEnabled": true,
-        "swapEnabled": true,
-        "bridgeEnabled": true,
-        "officeId": 29
+        "m2LoadEnabled": false,
+        "swapEnabled": false,
+        "bridgeEnabled": false,
+        "officeId": 24
       },
-      "complianceEnv": "OMNL_COMPLIANCE_CORE_900001",
-      "integrationRef": "config/onex-shiva-integration.v1.json"
+      "complianceEnv": "OMNL_COMPLIANCE_CORE_900001"
     },
     {
       "chainId": 900002,
diff --git a/config/settlement-middleware.production.v1.json b/config/settlement-middleware.production.v1.json
index 27d66c3..8088eff 100644
--- a/config/settlement-middleware.production.v1.json
+++ b/config/settlement-middleware.production.v1.json
@@ -46,6 +46,7 @@
     "requireApiKey": true,
     "allowHybxProduction": true,
     "allowChainMintExecute": true,
+    "allowChainBridgeExecute": true,
     "onlineBankMode": true
   },
   "guosmm": {
diff --git a/config/settlement-middleware.v1.json b/config/settlement-middleware.v1.json
index 624e8f7..77ecbec 100644
--- a/config/settlement-middleware.v1.json
+++ b/config/settlement-middleware.v1.json
@@ -38,6 +38,7 @@
   "production": {
     "requireApiKey": true,
     "allowHybxProduction": false,
-    "allowChainMintExecute": false
+    "allowChainMintExecute": false,
+    "allowChainBridgeExecute": false
   }
 }
diff --git a/config/zbank-consumer-account.v1.json b/config/zbank-consumer-account.v1.json
new file mode 100644
index 0000000..df43ab9
--- /dev/null
+++ b/config/zbank-consumer-account.v1.json
@@ -0,0 +1,74 @@
+{
+  "$schema": "zBank consumer account — Revolut-parity profile, IBAN, limits",
+  "version": "1.0.0",
+  "profile": {
+    "plan": "Premium",
+    "planTier": "premium",
+    "planPrice": "£8.99/month",
+    "email": "account@zbank.omdnl.org",
+    "phone": "+964 770 000 0000",
+    "address": {
+      "line1": "zBank HQ — International Settlement Bank",
+      "city": "Baghdad",
+      "postcode": "10001",
+      "country": "IQ",
+      "countryName": "Iraq"
+    },
+    "memberSince": "2024-01-15",
+    "kycStatus": "verified",
+    "kycLevel": "standard"
+  },
+  "accountDetails": {
+    "USD": {
+      "accountName": "US Dollar",
+      "iban": "IQ67OMNL000100293849384",
+      "bic": "OMNLIQBA",
+      "accountNumber": "00293849384",
+      "routingNumber": "021000089",
+      "bankName": "zBank — ISB member (OneX Bank)",
+      "bankAddress": "Baghdad, Republic of Iraq",
+      "shareText": "Use these details to receive USD via SWIFT or local rails."
+    },
+    "EUR": {
+      "accountName": "Euro",
+      "iban": "LT12 3250 0100 1234 5678",
+      "bic": "REVOLT21",
+      "accountNumber": "12345678",
+      "sortCode": null,
+      "bankName": "zBank EUR correspondent",
+      "bankAddress": "Vilnius, Lithuania",
+      "shareText": "Receive EUR via SEPA Instant."
+    },
+    "GBP": {
+      "accountName": "British Pound",
+      "iban": null,
+      "bic": "OMNLGB2L",
+      "accountNumber": "12345678",
+      "sortCode": "04-00-75",
+      "bankName": "zBank GBP account",
+      "bankAddress": "London, United Kingdom",
+      "shareText": "Receive GBP via Faster Payments."
+    }
+  },
+  "limits": {
+    "currency": "USD",
+    "dailyTransferLimit": "100000",
+    "dailyTransferUsed": "0",
+    "monthlyTransferLimit": "1000000",
+    "monthlyTransferUsed": "0",
+    "cardSpendDailyLimit": "25000",
+    "cardSpendDailyUsed": "0",
+    "atmDailyLimit": "3000",
+    "atmDailyUsed": "0",
+    "topUpMonthlyLimit": "500000"
+  },
+  "cardTierMap": {
+    "z-prepaid-usd": { "tier": "standard", "label": "Standard", "gradient": "standard", "network": "Visa" },
+    "z-debit-onex": { "tier": "metal", "label": "Metal", "gradient": "metal", "network": "Mastercard" }
+  },
+  "virtualCardProducts": [
+    { "tier": "standard", "label": "Standard", "gradient": "standard", "productId": "z-prepaid-usd", "network": "Visa" },
+    { "tier": "metal", "label": "Metal", "gradient": "metal", "productId": "z-debit-onex", "network": "Mastercard" },
+    { "tier": "premium", "label": "Premium", "gradient": "premium", "productId": "z-premium-usd", "network": "Visa" }
+  ]
+}
diff --git a/config/zbank-portal-auth.v1.json b/config/zbank-portal-auth.v1.json
new file mode 100644
index 0000000..f67c63e
--- /dev/null
+++ b/config/zbank-portal-auth.v1.json
@@ -0,0 +1,21 @@
+{
+  "$schema": "zBank international portal login — phone + passcode (Revolut-style)",
+  "version": "1.0.0",
+  "sessionTtlHours": 12,
+  "maxAttempts": 5,
+  "lockoutMinutes": 15,
+  "users": [
+    {
+      "id": "zbank-operator-1",
+      "phone": "+9647700000000",
+      "displayName": "Z Bank Operator",
+      "email": "account@zbank.omdnl.org"
+    },
+    {
+      "id": "zbank-operator-2",
+      "phone": "+9647700000001",
+      "displayName": "Office 29 Treasury",
+      "email": "treasury@zbank.omdnl.org"
+    }
+  ]
+}
diff --git a/frontend-dapp/src/App.tsx b/frontend-dapp/src/App.tsx
index 65fc3a2..a56dc4c 100644
--- a/frontend-dapp/src/App.tsx
+++ b/frontend-dapp/src/App.tsx
@@ -18,6 +18,7 @@ import HubPage from './pages/HubPage'
 import WalletsDemoPage from './pages/WalletsDemoPage'
 import Layout from './components/layout/Layout'
 import OmnlProductLayout from './components/layout/OmnlProductLayout'
+import RevolutBankLayout from './components/layout/RevolutBankLayout'
 import ToastProvider from './components/ui/ToastProvider'
 
 const queryClient = new QueryClient({
@@ -51,11 +52,13 @@ function App() {
               <Routes>
                 <Route element={<OmnlProductLayout />}>
                   <Route path="/hub" element={<HubPage />} />
-                  <Route path="/central-bank" element={<CentralBankPage />} />
                   <Route path="/office-24" element={<Office24Page />} />
                   <Route path="/trade" element={<TradePage />} />
                   <Route path="/swap" element={<SwapPage />} />
                 </Route>
+                <Route element={<RevolutBankLayout />}>
+                  <Route path="/central-bank" element={<CentralBankPage />} />
+                </Route>
                 <Route
                   element={
                     <ThirdwebProvider clientId={THIRDWEB_CLIENT_ID}>
diff --git a/frontend-dapp/src/components/layout/OmnlProductLayout.tsx b/frontend-dapp/src/components/layout/OmnlProductLayout.tsx
index b139764..c83253d 100644
--- a/frontend-dapp/src/components/layout/OmnlProductLayout.tsx
+++ b/frontend-dapp/src/components/layout/OmnlProductLayout.tsx
@@ -34,7 +34,11 @@ export default function OmnlProductLayout() {
   return (
     <div className={`omnl-app min-h-screen flex flex-col dbis-has-bottom-nav${isBanking ? ' omnl-banking-theme' : ''}`}>
       <WalletDisconnectNotice userInitiatedDisconnectRef={userInitiatedDisconnectRef} />
-      <header className="omnl-app-header mobile-nav-bar sticky top-0 z-50 border-b border-green-500/20 safe-area-top bg-[#1a241c]">
+      <header className={`omnl-app-header mobile-nav-bar sticky top-0 z-50 border-b safe-area-top ${
+        isBanking
+          ? 'border-white/10 bg-black'
+          : 'border-green-500/20 bg-[#1a241c]'
+      }`}>
         <div className="max-w-[1600px] mx-auto px-3 sm:px-4 h-14 flex items-center gap-2 sm:gap-4">
           <button
             type="button"
@@ -46,7 +50,9 @@ export default function OmnlProductLayout() {
             ☰
           </button>
           <Link to="/hub" className="flex items-center gap-2 shrink-0 min-w-0">
-            <span className="w-8 h-8 rounded-lg bg-green-600 text-white font-bold flex items-center justify-center text-sm shrink-0">
+            <span className={`w-8 h-8 rounded-lg font-bold flex items-center justify-center text-sm shrink-0 ${
+              isBanking ? 'bg-[#494fdf] text-white' : 'bg-green-600 text-white'
+            }`}>
               <NasaIcon name="central-bank" size={16} />
             </span>
             <span className="font-semibold hidden sm:inline text-sm truncate text-white">DBIS OMNL</span>
diff --git a/frontend-dapp/src/components/layout/RevolutBankLayout.tsx b/frontend-dapp/src/components/layout/RevolutBankLayout.tsx
new file mode 100644
index 0000000..482c81c
--- /dev/null
+++ b/frontend-dapp/src/components/layout/RevolutBankLayout.tsx
@@ -0,0 +1,36 @@
+import { Link, Outlet } from 'react-router-dom';
+import { useRef } from 'react';
+import WalletDisconnectNotice from '../wallet/WalletDisconnectNotice';
+import RevolutLoginScreen from '../../features/online-bank/RevolutLoginScreen';
+import { useZBankAuth } from '../../features/online-bank/useZBankAuth';
+
+/** Full-screen Revolut-style shell — no DBIS product header. */
+export default function RevolutBankLayout() {
+  const userInitiatedDisconnectRef = useRef(false);
+  const { loading, authenticated, requireAuth, refresh, login } = useZBankAuth();
+
+  if (loading) {
+    return (
+      <div className="revolut-app-shell omnl-banking-theme revolut-login revolut-login--loading">
+        <p>Loading secure portal…</p>
+      </div>
+    );
+  }
+
+  if (requireAuth && !authenticated) {
+    return (
+      <div className="revolut-app-shell omnl-banking-theme">
+        <RevolutLoginScreen login={login} onSuccess={() => refresh()} />
+      </div>
+    );
+  }
+
+  return (
+    <div className="revolut-app-shell omnl-banking-theme">
+      <WalletDisconnectNotice userInitiatedDisconnectRef={userInitiatedDisconnectRef} />
+      <main className="revolut-app-shell__main">
+        <Outlet />
+      </main>
+    </div>
+  );
+}
diff --git a/frontend-dapp/src/config/dex.ts b/frontend-dapp/src/config/dex.ts
index 15a3fe4..85a63c7 100644
--- a/frontend-dapp/src/config/dex.ts
+++ b/frontend-dapp/src/config/dex.ts
@@ -1,16 +1,24 @@
 /** DBIS Exchange — Chain 138 DEX addresses (Pancake/Uniswap V2 compatible) */
 export const DBIS_EXCHANGE_CHAIN_ID = 138;
 
+/** Production portal hosts — ignored in Vite dev so local proxy + localhost services are used. */
+const REMOTE_PORTAL_HOST = /secure\.omdnl\.org|exchange\.omdnl\.org|explorer\.d-bis\.org/i;
+
 function prodOrLocal(envValue: string | undefined, prodPath: string, localUrl: string): string {
   const trimmed = envValue?.trim();
-  if (trimmed) return trimmed;
-  return import.meta.env.PROD ? prodPath : localUrl;
+  if (import.meta.env.PROD) {
+    return trimmed || prodPath;
+  }
+  if (trimmed && !REMOTE_PORTAL_HOST.test(trimmed)) {
+    return trimmed;
+  }
+  return localUrl;
 }
 
 export const TOKEN_AGGREGATION_URL = prodOrLocal(
   import.meta.env.VITE_TOKEN_AGGREGATION_URL,
   'https://explorer.d-bis.org/api/v1',
-  'http://localhost:3000',
+  'http://localhost:3000/api/v1',
 );
 export const DBIS_EXCHANGE_URL = prodOrLocal(
   import.meta.env.VITE_DBIS_EXCHANGE_URL,
@@ -24,9 +32,21 @@ export const SETTLEMENT_MIDDLEWARE_URL = prodOrLocal(
 );
 
 /** Production nginx maps /settlement/* and /exchange/* to middleware; bare localhost needs /api/v1/... */
-function proxiedServiceUrl(base: string, servicePrefix: string, path: string): string {
+function isLocalDevOrigin(base: string): boolean {
+  return /^https?:\/\/(localhost|127\.0\.0\.1)(:\d+)?$/i.test(base.replace(/\/$/, ''));
+}
+
+function proxiedServiceUrl(
+  base: string,
+  sameOriginPrefix: string,
+  servicePrefix: string,
+  path: string,
+): string {
   const root = base.replace(/\/$/, '');
   const suffix = path.startsWith('/') ? path : `/${path}`;
+  if (import.meta.env.DEV && isLocalDevOrigin(root)) {
+    return `${sameOriginPrefix}${suffix}`;
+  }
   if (root.startsWith('/')) {
     return `${root}${suffix}`;
   }
@@ -35,11 +55,15 @@ function proxiedServiceUrl(base: string, servicePrefix: string, path: string): s
 }
 
 export function settlementApi(path: string): string {
-  return proxiedServiceUrl(SETTLEMENT_MIDDLEWARE_URL, '/api/v1/settlement', path);
+  return proxiedServiceUrl(SETTLEMENT_MIDDLEWARE_URL, '/settlement', '/api/v1/settlement', path);
 }
 
 export function exchangeApi(path: string): string {
-  return proxiedServiceUrl(DBIS_EXCHANGE_URL, '/api/v1/exchange', path);
+  return proxiedServiceUrl(DBIS_EXCHANGE_URL, '/exchange', '/api/v1/exchange', path);
+}
+
+export function tokenAggregationApi(path: string): string {
+  return proxiedServiceUrl(TOKEN_AGGREGATION_URL, '/api/v1', '/api/v1', path);
 }
 
 /** Bearer auth for OMNL mutating APIs — set VITE_OMNL_API_KEY at build for tunnel deploy; nginx injects in prod portals. */
diff --git a/frontend-dapp/src/features/online-bank/GuosmmNoticesPanel.tsx b/frontend-dapp/src/features/online-bank/GuosmmNoticesPanel.tsx
index b8b4a31..ed5894c 100644
--- a/frontend-dapp/src/features/online-bank/GuosmmNoticesPanel.tsx
+++ b/frontend-dapp/src/features/online-bank/GuosmmNoticesPanel.tsx
@@ -6,7 +6,7 @@ export default function GuosmmNoticesPanel() {
       <h2 id="guosmm-heading" className="revolut-bank__section-title">
         Official gazette (GUOSMM)
       </h2>
-      <p className="text-xs text-[var(--nasa-muted)] mb-3 max-w-2xl">
+      <p className="revolut-bank__gazette-hint mb-3 max-w-2xl">
         Sovereign Military Order of Malta · SHOSJJ official notices governing OMNL EMCB and ISB member banks.
       </p>
       <ul className="grid grid-cols-1 sm:grid-cols-2 gap-2">
diff --git a/frontend-dapp/src/features/online-bank/OnlineBankApp.tsx b/frontend-dapp/src/features/online-bank/OnlineBankApp.tsx
index a46a969..04914d1 100644
--- a/frontend-dapp/src/features/online-bank/OnlineBankApp.tsx
+++ b/frontend-dapp/src/features/online-bank/OnlineBankApp.tsx
@@ -1,242 +1,276 @@
-import { Link } from 'react-router-dom';
+import { useState, useEffect } from 'react';
+import { Link, useLocation } from 'react-router-dom';
+import WalletConnect from '../../components/wallet/WalletConnect';
 import NasaIcon from '../../components/icons/NasaIcon';
-import { formatUsd } from '../../utils/formatMoney';
 import CentralBankDashboard from '../central-bank/CentralBankDashboard';
 import SettlementProtocolsPanel from './SettlementProtocolsPanel';
 import GuosmmNoticesPanel from './GuosmmNoticesPanel';
 import ZBankFullSettlementPanel from './ZBankFullSettlementPanel';
+import ZBankPosCardsPanel from './ZBankPosCardsPanel';
+import RevolutHomeScreen from './RevolutHomeScreen';
+import RevolutTabBar, { type RevolutTab } from './RevolutTabBar';
 import { useOnlineBank } from './useOnlineBank';
+import { useRevolutBank } from './useRevolutBank';
 
-const ACCOUNTS = [
-  { key: 'main', label: 'USD account', meta: 'Main · M1 eMoney', flag: 'USD', balanceKey: 'primaryBalance' as const, active: true },
-  { key: 'savings', label: 'Savings', meta: 'M2 tokenized', flag: 'M2', balanceKey: 'savingsBalance' as const },
-  { key: 'reserve', label: 'Reserve', meta: 'M0 base money', flag: 'M0', balanceKey: 'reserveBalance' as const },
-  { key: 'fiat', label: 'Fiat rails', meta: 'M4 SWIFT settlement', flag: 'M4', balanceKey: 'm4Balance' as const },
-  { key: 'chain', label: 'On-chain', meta: 'M3 digital', flag: 'M3', balanceKey: 'm3Balance' as const },
-];
-
-function BalanceSkeleton() {
-  return (
-    <section className="revolut-bank__balance-card" aria-hidden>
-      <div className="revolut-bank__skeleton h-4 w-28 mb-3" />
-      <div className="revolut-bank__skeleton h-12 w-56" />
-    </section>
-  );
+function initials(name: string): string {
+  const parts = name.trim().split(/\s+/).filter(Boolean);
+  if (parts.length >= 2) return `${parts[0][0]}${parts[1][0]}`.toUpperCase();
+  return (parts[0]?.slice(0, 2) ?? 'ZB').toUpperCase();
 }
 
 export default function OnlineBankApp() {
   const bank = useOnlineBank();
+  const revolut = useRevolutBank();
+  const { hash } = useLocation();
+  const [tab, setTab] = useState<RevolutTab>('home');
+  const [balanceHidden, setBalanceHidden] = useState(false);
+
+  useEffect(() => {
+    if (!hash) return;
+    if (/z-full-settlement|z-settlement|z-pos/.test(hash)) {
+      setTab('payments');
+      const id = hash.replace(/^#/, '');
+      requestAnimationFrame(() => {
+        document.getElementById(id)?.scrollIntoView({ behavior: 'smooth', block: 'start' });
+      });
+    }
+  }, [hash]);
+
+  const goPayments = () => setTab('payments');
+  const goCards = () => setTab('payments');
+
+  const displayName = revolut.overview?.profile.displayName ?? bank.displayName;
+  const refreshAll = () => {
+    bank.refresh();
+    revolut.refresh();
+  };
 
   return (
-    <div className="revolut-bank omnl-app">
+    <div className="revolut-bank">
       <div className="revolut-bank__inner">
-        <header className="revolut-bank__page-header">
-          <div className="revolut-bank__logo-row">
-            <div className="revolut-bank__logo-mark" aria-hidden>
-              Z
-            </div>
-            <div className="revolut-bank__brand-block">
-              <h1 className="revolut-bank__brand-title">Z Online Bank</h1>
-              <p className="revolut-bank__greeting-label">
-                Hello · Good {timeOfDay()}, <span className="revolut-bank__greeting-name">{bank.displayName}</span>
-              </p>
-            </div>
-          </div>
-          <span className={`revolut-bank__status${bank.connected ? '' : ' revolut-bank__status--offline'}`}>
-            <NasaIcon name={bank.connected ? 'check' : 'x'} size={10} />
-            {bank.connected ? 'Live' : 'Offline'}
-          </span>
-        </header>
-
-        {bank.loading && !bank.primaryBalance ? (
-          <BalanceSkeleton />
-        ) : (
-          <section className="revolut-bank__balance-card" aria-label="Total balance">
-            <p className="revolut-bank__balance-label">Total balance</p>
-            <p className="revolut-bank__balance-amount">{formatUsd(bank.primaryBalance)}</p>
-            <div className="revolut-bank__balance-sub">
-              <span>{bank.officeLabel}</span>
-              {bank.live && <span>Synced with Fineract</span>}
-            </div>
-          </section>
+        {tab === 'home' && (
+          <RevolutHomeScreen
+            overview={revolut.overview}
+            loading={revolut.loading}
+            balanceHidden={balanceHidden}
+            onToggleBalance={() => setBalanceHidden((v) => !v)}
+            onGoPayments={goPayments}
+            onGoCards={goCards}
+            initials={initials(displayName)}
+          />
         )}
 
-        <div className="revolut-bank__cta-row">
-          <a href="#z-full-settlement" className="revolut-bank__cta revolut-bank__cta--primary">
-            <NasaIcon name="money" size={18} />
-            Send
-          </a>
-          <a href="#z-full-settlement" className="revolut-bank__cta revolut-bank__cta--secondary">
-            <NasaIcon name="plus" size={18} />
-            Add money
-          </a>
-        </div>
-
-        <section className="revolut-bank__accounts-section" aria-label="Your accounts">
-          <h2 className="revolut-bank__accounts-heading">Your accounts</h2>
-          <div className="revolut-bank__accounts">
-            {ACCOUNTS.map((acct) => (
-              <div
-                key={acct.key}
-                className={`revolut-bank__account-pill${acct.active ? ' revolut-bank__account-pill--active' : ''}`}
-              >
-                <span className="revolut-bank__account-flag">{acct.flag}</span>
-                <div className="revolut-bank__account-pill-body">
-                  <p className="revolut-bank__account-pill-label">{acct.label}</p>
-                  <p className="revolut-bank__account-pill-meta">{acct.meta}</p>
-                </div>
-                <p className="revolut-bank__account-pill-value">{formatUsd(bank[acct.balanceKey])}</p>
-              </div>
-            ))}
-          </div>
-        </section>
-
-        <nav className="revolut-bank__actions" aria-label="Quick actions">
-          <Link to="/swap" className="revolut-bank__action">
-            <span className="revolut-bank__action-icon">
-              <NasaIcon name="swap" size={20} />
-            </span>
-            Convert
-          </Link>
-          <Link to="/trade" className="revolut-bank__action">
-            <span className="revolut-bank__action-icon">
-              <NasaIcon name="trade" size={20} />
-            </span>
-            Invest
-          </Link>
-          <a href="#z-settlement-protocols" className="revolut-bank__action">
-            <span className="revolut-bank__action-icon">
-              <NasaIcon name="globe" size={20} />
-            </span>
-            International
-          </a>
-            <Link to="/office-24" className="revolut-bank__action">
-            <span className="revolut-bank__action-icon">
-              <NasaIcon name="office" size={20} />
-            </span>
-            O24 Central Bank
-          </Link>
-        </nav>
-
-        <ZBankFullSettlementPanel
-          onSuccess={() => bank.refresh()}
-          balances={{
-            m0: bank.reserveBalance,
-            m1: bank.primaryBalance,
-            m2: bank.savingsBalance,
-            m3: bank.m3Balance,
-            m4: bank.m4Balance,
-          }}
-        />
-
-        <SettlementProtocolsPanel onSuccess={() => bank.refresh()} />
-
-        {bank.error && (
-          <div className="revolut-bank__activity revolut-bank__error mb-4 p-4 text-sm">
-            {bank.error}. Showing cached layout — retrying every 30s.
-          </div>
-        )}
-
-        <section aria-labelledby="activity-heading">
-          <div className="revolut-bank__section-title">
-            <h2 id="activity-heading">Transactions</h2>
-            <button
-              type="button"
-              className="revolut-bank__section-link border-0 bg-transparent cursor-pointer"
-              onClick={() => bank.refresh()}
-            >
-              See all
-            </button>
-          </div>
-          <div className="revolut-bank__activity">
-            {bank.activities.length === 0 ? (
-              <div className="revolut-bank__activity-item">
-                <span className="revolut-bank__activity-icon">
-                  <NasaIcon name="ledger" size={16} />
+        {tab === 'invest' && (
+          <div className="revolut-bank__tab-screen">
+            <header className="revolut-bank__tab-header">
+              <h1>Invest</h1>
+              <p className="revolut-bank__tab-sub">Stocks, crypto & markets</p>
+            </header>
+            <div className="revolut-bank__services">
+              <Link to="/trade" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--violet">
+                  <NasaIcon name="trade" size={20} />
                 </span>
-                <div className="revolut-bank__activity-body">
-                  <p className="revolut-bank__activity-title">No transactions yet</p>
-                  <p className="revolut-bank__activity-meta">Swaps and settlements appear here</p>
-                </div>
+                <span className="revolut-bank__service-label">Stocks</span>
+                <span className="revolut-bank__service-desc">DBIS spot · commission-free</span>
+              </Link>
+              <Link to="/swap" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--teal">
+                  <NasaIcon name="swap" size={20} />
+                </span>
+                <span className="revolut-bank__service-label">Crypto</span>
+                <span className="revolut-bank__service-desc">Buy & exchange on chain 138</span>
+              </Link>
+              <Link to="/wallets" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--blue">
+                  <NasaIcon name="wallet" size={20} />
+                </span>
+                <span className="revolut-bank__service-label">OneX Wallet</span>
+                <span className="revolut-bank__service-desc">MPC · Shiva blockchain</span>
+              </Link>
+            </div>
+          </div>
+        )}
+
+        {tab === 'payments' && (
+          <div className="revolut-bank__tab-screen">
+            <header className="revolut-bank__tab-header">
+              <h1>Payments</h1>
+              <p className="revolut-bank__tab-sub">Send, settle & load cards</p>
+            </header>
+            {(bank.error || revolut.error) && (
+              <div className="revolut-bank__activity revolut-bank__error mb-4 p-4 text-sm">
+                {revolut.error ?? bank.error}
               </div>
-            ) : (
-              bank.activities.map((item) => (
-                <div key={item.id} className="revolut-bank__activity-item">
-                  <span
-                    className={`revolut-bank__activity-icon${item.kind === 'swap' ? ' revolut-bank__activity-icon--swap' : ''}`}
-                  >
-                    <NasaIcon name={item.kind === 'swap' ? 'swap' : 'check'} size={16} />
-                  </span>
-                  <div className="revolut-bank__activity-body">
-                    <p className="revolut-bank__activity-title">{item.title}</p>
-                    <p className="revolut-bank__activity-meta">{item.meta}</p>
-                  </div>
-                  <span
-                    className={`revolut-bank__activity-amount${item.positive ? ' revolut-bank__activity-amount--positive' : ''}`}
-                  >
-                    {item.amount}
-                  </span>
-                </div>
-              ))
             )}
+            <ZBankFullSettlementPanel
+              onSuccess={refreshAll}
+              balances={{
+                m0: bank.reserveBalance,
+                m1: bank.primaryBalance,
+                m2: bank.savingsBalance,
+                m3: bank.m3Balance,
+                m4: bank.m4Balance,
+              }}
+            />
+            <SettlementProtocolsPanel onSuccess={refreshAll} />
+            <ZBankPosCardsPanel />
           </div>
-        </section>
+        )}
 
-        <section aria-labelledby="services-heading">
-          <h2 id="services-heading" className="revolut-bank__section-title">
-            Explore
-          </h2>
-          <div className="revolut-bank__services">
-            <Link to="/swap" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">Digital Swap</span>
-              <span className="revolut-bank__service-desc">Convert & load M2 tokens</span>
-            </Link>
-            <Link to="/trade" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">DBIS Trade</span>
-              <span className="revolut-bank__service-desc">Spot markets</span>
-            </Link>
-            <Link to="/office-24" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">Office 24 Central Bank</span>
-              <span className="revolut-bank__service-desc">128-bank corridors · IPSAS</span>
-            </Link>
-            <Link to="/wallets" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">OneX Wallet</span>
-              <span className="revolut-bank__service-desc">Shiva blockchain · MPC wallet</span>
-            </Link>
-            <a href="#z-settlement-protocols" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">OneX Bank</span>
-              <span className="revolut-bank__service-desc">HYBX corridor · office 29</span>
-            </a>
-            <a href="#z-settlement-protocols" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">Nova Bank Online</span>
-              <span className="revolut-bank__service-desc">Import wires · M4</span>
-            </a>
-            <Link to="/reserve" className="revolut-bank__service-card">
-              <span className="revolut-bank__service-label">Reserve</span>
-              <span className="revolut-bank__service-desc">Coverage & attestation</span>
-            </Link>
+        {tab === 'hub' && (
+          <div className="revolut-bank__tab-screen">
+            <header className="revolut-bank__tab-header">
+              <h1>Hub</h1>
+              <p className="revolut-bank__tab-sub">All products in one place</p>
+            </header>
+            <div className="revolut-bank__services revolut-bank__services--hub">
+              <Link to="/swap" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--teal">
+                  <NasaIcon name="swap" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Exchange</span>
+                <span className="revolut-bank__service-desc">Convert & load M2</span>
+              </Link>
+              <Link to="/trade" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--violet">
+                  <NasaIcon name="trade" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Stocks</span>
+                <span className="revolut-bank__service-desc">Spot markets</span>
+              </Link>
+              <Link to="/office-24" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--pink">
+                  <NasaIcon name="office" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Office 24</span>
+                <span className="revolut-bank__service-desc">128-bank corridors</span>
+              </Link>
+              <Link to="/wallets" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--blue">
+                  <NasaIcon name="wallet" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Crypto</span>
+                <span className="revolut-bank__service-desc">OneX · MPC wallet</span>
+              </Link>
+              <button type="button" className="revolut-bank__service-card" onClick={goPayments}>
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--orange">
+                  <NasaIcon name="globe" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">International</span>
+                <span className="revolut-bank__service-desc">Wires & corridors</span>
+              </button>
+              <Link to="/reserve" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--grey">
+                  <NasaIcon name="shield" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Vaults</span>
+                <span className="revolut-bank__service-desc">Reserve attestation</span>
+              </Link>
+              <Link to="/bridge" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--lime">
+                  <NasaIcon name="bridge" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">Bridge</span>
+                <span className="revolut-bank__service-desc">Cross-chain transfer</span>
+              </Link>
+              <Link to="/hub" className="revolut-bank__service-card">
+                <span className="revolut-bank__service-icon revolut-bank__service-icon--violet">
+                  <NasaIcon name="dashboard" size={18} />
+                </span>
+                <span className="revolut-bank__service-label">DBIS Dashboard</span>
+                <span className="revolut-bank__service-desc">Operator consoles</span>
+              </Link>
+            </div>
           </div>
-        </section>
+        )}
 
-        <GuosmmNoticesPanel />
+        {tab === 'more' && (
+          <div className="revolut-bank__tab-screen">
+            <header className="revolut-bank__tab-header">
+              <h1>More</h1>
+              <p className="revolut-bank__tab-sub">Settings & operator tools</p>
+            </header>
+            <div className="revolut-bank__profile-card">
+              <div className="revolut-bank__avatar revolut-bank__avatar--lg">{initials(displayName)}</div>
+              <div>
+                <p className="revolut-bank__profile-name">{displayName}</p>
+                <p className="revolut-bank__profile-meta">
+                  {revolut.overview?.profile.plan ?? 'Standard'} · {revolut.overview?.profile.externalId ?? bank.officeLabel}
+                </p>
+              </div>
+            </div>
 
-        <details className="revolut-bank__treasury">
-          <summary>
-            Treasury & operator console
-            <NasaIcon name="arrow-right" size={14} className="revolut-bank__chevron" />
-          </summary>
-          <div className="revolut-bank__treasury-body">
-            <CentralBankDashboard />
+            {revolut.overview && (
+              <section className="revolut-bank__limits" aria-label="Account limits">
+                <h2 className="revolut-bank__section-title">Limits</h2>
+                <div className="revolut-bank__limits-grid">
+                  <LimitRow label="Daily transfer" used={revolut.overview.limits.dailyTransferUsed} limit={revolut.overview.limits.dailyTransferLimit} />
+                  <LimitRow label="Monthly transfer" used={revolut.overview.limits.monthlyTransferUsed} limit={revolut.overview.limits.monthlyTransferLimit} />
+                  <LimitRow label="Card spend (daily)" used={revolut.overview.limits.cardSpendDailyUsed} limit={revolut.overview.limits.cardSpendDailyLimit} />
+                  <LimitRow label="ATM (daily)" used={revolut.overview.limits.atmDailyUsed} limit={revolut.overview.limits.atmDailyLimit} />
+                </div>
+              </section>
+            )}
+
+            <section className="revolut-bank__profile-details">
+              <h2 className="revolut-bank__section-title">Personal details</h2>
+              <dl className="revolut-bank__detail-list revolut-bank__detail-list--inline">
+                <div className="revolut-bank__detail-row">
+                  <dt>Email</dt>
+                  <dd>{revolut.overview?.profile.email ?? '—'}</dd>
+                </div>
+                <div className="revolut-bank__detail-row">
+                  <dt>Phone</dt>
+                  <dd>{revolut.overview?.profile.phone ?? '—'}</dd>
+                </div>
+                <div className="revolut-bank__detail-row">
+                  <dt>KYC</dt>
+                  <dd>{revolut.overview?.profile.kycStatus ?? '—'} ({revolut.overview?.profile.kycLevel ?? '—'})</dd>
+                </div>
+                <div className="revolut-bank__detail-row">
+                  <dt>Member since</dt>
+                  <dd>{revolut.overview?.profile.memberSince ?? '—'}</dd>
+                </div>
+              </dl>
+            </section>
+            <div className="revolut-bank__wallet-row">
+              <WalletConnect />
+            </div>
+            <GuosmmNoticesPanel />
+            <details className="revolut-bank__treasury">
+              <summary>
+                Treasury & operator console
+                <NasaIcon name="arrow-right" size={14} className="revolut-bank__chevron" />
+              </summary>
+              <div className="revolut-bank__treasury-body">
+                <CentralBankDashboard />
+              </div>
+            </details>
           </div>
-        </details>
+        )}
       </div>
+
+      <RevolutTabBar active={tab} onChange={setTab} />
     </div>
   );
 }
 
-function timeOfDay(): string {
-  const h = new Date().getHours();
-  if (h < 12) return 'morning';
-  if (h < 17) return 'afternoon';
-  return 'evening';
+function LimitRow({ label, used, limit }: { label: string; used: string; limit: string }) {
+  const u = parseFloat(used || '0');
+  const l = parseFloat(limit || '1');
+  const pct = l > 0 ? Math.min(100, (u / l) * 100) : 0;
+  return (
+    <div className="revolut-bank__limit-row">
+      <div className="revolut-bank__limit-head">
+        <span>{label}</span>
+        <span>
+          {used} / {limit} USD
+        </span>
+      </div>
+      <div className="revolut-bank__limit-bar">
+        <span style={{ width: `${pct}%` }} />
+      </div>
+    </div>
+  );
 }
diff --git a/frontend-dapp/src/features/online-bank/RevolutHomeScreen.tsx b/frontend-dapp/src/features/online-bank/RevolutHomeScreen.tsx
new file mode 100644
index 0000000..2af0b5b
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/RevolutHomeScreen.tsx
@@ -0,0 +1,324 @@
+import { useState } from 'react';
+import { Link } from 'react-router-dom';
+import NasaIcon from '../../components/icons/NasaIcon';
+import { formatUsd } from '../../utils/formatMoney';
+import type { ConsumerAccount, ConsumerCard, ConsumerOverview, ConsumerTransaction } from './useRevolutBank';
+
+type Props = {
+  overview: ConsumerOverview | null;
+  loading: boolean;
+  balanceHidden: boolean;
+  onToggleBalance: () => void;
+  onGoPayments: () => void;
+  onGoCards: () => void;
+  initials: string;
+};
+
+function formatBalance(amount: string, currency: string, hidden: boolean): string {
+  if (hidden) return '••••••';
+  if (currency === 'USD') return formatUsd(amount);
+  return `${parseFloat(amount || '0').toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })} ${currency}`;
+}
+
+function txAmount(tx: ConsumerTransaction, hidden: boolean): string {
+  if (hidden) return '••••';
+  const prefix = tx.direction === 'in' ? '+' : '−';
+  const val = parseFloat(tx.amount || '0').toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+  return `${prefix}${val} ${tx.currency}`;
+}
+
+function BalanceSkeleton() {
+  return (
+    <section className="revolut-bank__balance-card" aria-hidden>
+      <div className="revolut-bank__skeleton h-4 w-28 mb-3" />
+      <div className="revolut-bank__skeleton h-12 w-56" />
+    </section>
+  );
+}
+
+export default function RevolutHomeScreen({
+  overview,
+  loading,
+  balanceHidden,
+  onToggleBalance,
+  onGoPayments,
+  onGoCards,
+  initials,
+}: Props) {
+  const [activeCard, setActiveCard] = useState(0);
+  const [selectedAccount, setSelectedAccount] = useState<ConsumerAccount | null>(null);
+
+  const cards = overview?.cards ?? [];
+  const accounts = overview?.accounts.filter((a) =>
+    ['current', 'savings'].includes(a.type) || ['EUR', 'GBP'].includes(a.currency),
+  ).slice(0, 6) ?? [];
+  const transactions = overview?.transactions ?? [];
+  const displayName = overview?.profile.displayName ?? 'Account';
+
+  const cycleCard = () => {
+    if (cards.length === 0) return;
+    setActiveCard((i) => (i + 1) % cards.length);
+  };
+
+  const visibleCards = cards.length > 0 ? cards : [];
+
+  return (
+    <>
+      <header className="revolut-bank__page-header">
+        <button type="button" className="revolut-bank__avatar" aria-label="Profile">
+          {initials}
+        </button>
+        <div className="revolut-bank__header-actions">
+          <span className={`revolut-bank__status${overview?.fineractLive ? '' : ' revolut-bank__status--offline'}`}>
+            {overview?.fineractLive ? 'Live' : 'Offline'}
+          </span>
+          <button type="button" className="revolut-bank__icon-btn" aria-label="Search">
+            <NasaIcon name="search" size={20} />
+          </button>
+          <button type="button" className="revolut-bank__icon-btn" aria-label="Cards" onClick={onGoCards}>
+            <NasaIcon name="money" size={20} />
+          </button>
+        </div>
+      </header>
+
+      {visibleCards.length > 0 && (
+        <section className="revolut-bank__card-stack-wrap" aria-label="Your cards">
+          <div className="revolut-bank__card-stack">
+            {visibleCards.map((card, index) => {
+              const offset = (index - activeCard + visibleCards.length) % visibleCards.length;
+              return (
+                <CardStackItem
+                  key={card.cardId}
+                  card={card}
+                  offset={offset}
+                  displayName={displayName}
+                  onClick={cycleCard}
+                />
+              );
+            })}
+          </div>
+          <div className="revolut-bank__card-dots" aria-hidden>
+            {visibleCards.map((c, i) => (
+              <span key={c.cardId} className={`revolut-bank__card-dot${i === activeCard ? ' revolut-bank__card-dot--active' : ''}`} />
+            ))}
+          </div>
+        </section>
+      )}
+
+      {loading && !overview ? (
+        <BalanceSkeleton />
+      ) : (
+        <section className="revolut-bank__balance-card" aria-label="Total balance">
+          <div className="revolut-bank__balance-head">
+            <p className="revolut-bank__balance-label">Total balance</p>
+            <button
+              type="button"
+              className="revolut-bank__balance-toggle"
+              onClick={onToggleBalance}
+              aria-label={balanceHidden ? 'Show balance' : 'Hide balance'}
+            >
+              <NasaIcon name={balanceHidden ? 'eye-off' : 'eye'} size={18} />
+            </button>
+          </div>
+          <p className="revolut-bank__balance-amount">
+            {formatBalance(overview?.totalBalance ?? '0', overview?.totalBalanceCurrency ?? 'USD', balanceHidden)}
+          </p>
+          {overview?.profile.plan && (
+            <p className="revolut-bank__balance-account">
+              {overview.profile.plan} · {overview.profile.externalId}
+            </p>
+          )}
+        </section>
+      )}
+
+      <nav className="revolut-bank__actions" aria-label="Quick actions">
+        <button type="button" className="revolut-bank__action" onClick={onGoPayments}>
+          <span className="revolut-bank__action-icon revolut-bank__action-icon--primary">
+            <NasaIcon name="plus" size={22} />
+          </span>
+          Add money
+        </button>
+        <button type="button" className="revolut-bank__action" onClick={onGoPayments}>
+          <span className="revolut-bank__action-icon">
+            <NasaIcon name="money" size={22} />
+          </span>
+          Send
+        </button>
+        <Link to="/swap" className="revolut-bank__action">
+          <span className="revolut-bank__action-icon">
+            <NasaIcon name="swap" size={22} />
+          </span>
+          Exchange
+        </Link>
+        <button type="button" className="revolut-bank__action" onClick={onGoCards}>
+          <span className="revolut-bank__action-icon">
+            <NasaIcon name="rail" size={22} />
+          </span>
+          Cards
+        </button>
+      </nav>
+
+      <section className="revolut-bank__accounts-section" aria-label="Accounts">
+        <div className="revolut-bank__section-title">
+          <h2>Accounts</h2>
+          <button type="button" className="revolut-bank__section-link border-0 bg-transparent cursor-pointer">
+            See all
+          </button>
+        </div>
+        <div className="revolut-bank__accounts">
+          {accounts.map((acct) => (
+            <button
+              key={acct.id}
+              type="button"
+              className={`revolut-bank__account-pill${acct.type === 'current' ? ' revolut-bank__account-pill--active' : ''}`}
+              onClick={() => setSelectedAccount(acct)}
+            >
+              <span className="revolut-bank__account-flag">{acct.flag}</span>
+              <p className="revolut-bank__account-pill-label">{acct.name}</p>
+              <p className="revolut-bank__account-pill-value">
+                {formatBalance(acct.balance, acct.currency, balanceHidden)}
+              </p>
+              <p className="revolut-bank__account-pill-meta">{acct.moneyLayer}</p>
+            </button>
+          ))}
+        </div>
+      </section>
+
+      {selectedAccount && (
+        <AccountDetailsSheet account={selectedAccount} onClose={() => setSelectedAccount(null)} />
+      )}
+
+      <section aria-labelledby="activity-heading">
+        <div className="revolut-bank__section-title">
+          <h2 id="activity-heading">Transactions</h2>
+        </div>
+        <div className="revolut-bank__activity revolut-bank__activity--flat">
+          {transactions.length === 0 ? (
+            <div className="revolut-bank__activity-item">
+              <span className="revolut-bank__activity-icon">
+                <NasaIcon name="ledger" size={18} />
+              </span>
+              <div className="revolut-bank__activity-body">
+                <p className="revolut-bank__activity-title">No transactions yet</p>
+                <p className="revolut-bank__activity-meta">Your activity will show up here</p>
+              </div>
+            </div>
+          ) : (
+            transactions.slice(0, 12).map((item) => (
+              <div key={item.id} className="revolut-bank__activity-item">
+                <span className={`revolut-bank__activity-icon revolut-bank__activity-icon--${item.type}`}>
+                  <NasaIcon name={txIcon(item.type)} size={18} />
+                </span>
+                <div className="revolut-bank__activity-body">
+                  <p className="revolut-bank__activity-title">{item.title}</p>
+                  <p className="revolut-bank__activity-meta">{formatTxMeta(item)}</p>
+                </div>
+                <span
+                  className={`revolut-bank__activity-amount${
+                    item.direction === 'in' ? ' revolut-bank__activity-amount--positive' : ''
+                  }${item.status === 'failed' ? ' revolut-bank__activity-amount--failed' : ''}`}
+                >
+                  {txAmount(item, balanceHidden)}
+                </span>
+              </div>
+            ))
+          )}
+        </div>
+      </section>
+    </>
+  );
+}
+
+function CardStackItem({
+  card,
+  offset,
+  displayName,
+  onClick,
+}: {
+  card: ConsumerCard;
+  offset: number;
+  displayName: string;
+  onClick: () => void;
+}) {
+  const stackClass = offset <= 2 ? `revolut-bank__virtual-card--stack-${offset}` : 'revolut-bank__virtual-card--stack-2';
+  return (
+    <button
+      type="button"
+      className={`revolut-bank__virtual-card revolut-bank__virtual-card--${card.gradient} ${stackClass}`}
+      onClick={onClick}
+      aria-label={`${card.label} card ending ${card.last4}`}
+    >
+      <div className="revolut-bank__virtual-card-top">
+        <span className="revolut-bank__virtual-card-brand">Z</span>
+        <span className="revolut-bank__virtual-card-type">{card.label}</span>
+      </div>
+      <p className="revolut-bank__virtual-card-number">•••• {card.last4}</p>
+      <p className="revolut-bank__virtual-card-name">{card.cardholderName || displayName}</p>
+      {card.status === 'virtual' && <span className="revolut-bank__virtual-card-badge">Virtual</span>}
+    </button>
+  );
+}
+
+function AccountDetailsSheet({ account, onClose }: { account: ConsumerAccount; onClose: () => void }) {
+  const d = account.details;
+  const rows: { label: string; value: string; copy?: boolean }[] = [
+    ...(d.iban ? [{ label: 'IBAN', value: d.iban, copy: true }] : []),
+    { label: 'BIC', value: d.bic, copy: true },
+    { label: 'Account number', value: d.accountNumber, copy: true },
+    ...(d.sortCode ? [{ label: 'Sort code', value: d.sortCode, copy: true }] : []),
+    ...(d.routingNumber ? [{ label: 'Routing number', value: d.routingNumber, copy: true }] : []),
+    { label: 'Bank', value: d.bankName },
+    { label: 'Address', value: d.bankAddress },
+  ];
+
+  return (
+    <div className="revolut-bank__sheet-backdrop" role="presentation" onClick={onClose}>
+      <div
+        className="revolut-bank__sheet"
+        role="dialog"
+        aria-labelledby="account-details-title"
+        onClick={(e) => e.stopPropagation()}
+      >
+        <div className="revolut-bank__sheet-handle" aria-hidden />
+        <h2 id="account-details-title" className="revolut-bank__sheet-title">
+          {account.name}
+        </h2>
+        <p className="revolut-bank__sheet-hint">{d.shareText}</p>
+        <dl className="revolut-bank__detail-list">
+          {rows.map((row) => (
+            <div key={row.label} className="revolut-bank__detail-row">
+              <dt>{row.label}</dt>
+              <dd>
+                {row.value}
+                {row.copy && (
+                  <button
+                    type="button"
+                    className="revolut-bank__copy-btn"
+                    onClick={() => navigator.clipboard?.writeText(row.value.replace(/\s/g, ''))}
+                  >
+                    Copy
+                  </button>
+                )}
+              </dd>
+            </div>
+          ))}
+        </dl>
+        <button type="button" className="revolut-bank__submit" onClick={onClose}>
+          Done
+        </button>
+      </div>
+    </div>
+  );
+}
+
+function txIcon(type: string): 'money' | 'swap' | 'check' | 'ledger' {
+  if (type === 'card_payment' || type === 'transfer') return 'money';
+  if (type === 'exchange') return 'swap';
+  if (type === 'card_load' || type === 'deposit') return 'check';
+  return 'ledger';
+}
+
+function formatTxMeta(tx: ConsumerTransaction): string {
+  const date = tx.createdAt?.slice(0, 16).replace('T', ' ') ?? '';
+  return `${date} · ${tx.status}`;
+}
diff --git a/frontend-dapp/src/features/online-bank/RevolutLoginScreen.tsx b/frontend-dapp/src/features/online-bank/RevolutLoginScreen.tsx
new file mode 100644
index 0000000..bbfb346
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/RevolutLoginScreen.tsx
@@ -0,0 +1,75 @@
+import { FormEvent, useState } from 'react';
+
+type Props = {
+  onSuccess?: () => void;
+  login: (phone: string, passcode: string) => Promise<unknown>;
+};
+
+export default function RevolutLoginScreen({ onSuccess, login }: Props) {
+  const [phone, setPhone] = useState('');
+  const [passcode, setPasscode] = useState('');
+  const [submitting, setSubmitting] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  async function handleSubmit(e: FormEvent) {
+    e.preventDefault();
+    setSubmitting(true);
+    setError(null);
+    try {
+      await login(phone.trim(), passcode);
+      onSuccess?.();
+    } catch (err) {
+      setError(err instanceof Error ? err.message : 'Login failed');
+    } finally {
+      setSubmitting(false);
+    }
+  }
+
+  return (
+    <div className="revolut-login">
+      <div className="revolut-login__brand">
+        <div className="revolut-login__logo">Z</div>
+        <h1>Z Online Bank</h1>
+        <p>International portal — secure sign in</p>
+      </div>
+
+      <form className="revolut-login__form" onSubmit={handleSubmit}>
+        <label className="revolut-login__field">
+          <span>Phone number</span>
+          <input
+            type="tel"
+            autoComplete="tel"
+            placeholder="+9647700000000"
+            value={phone}
+            onChange={(e) => setPhone(e.target.value)}
+            required
+          />
+        </label>
+
+        <label className="revolut-login__field">
+          <span>Passcode</span>
+          <input
+            type="password"
+            inputMode="numeric"
+            autoComplete="current-password"
+            placeholder="••••••"
+            value={passcode}
+            onChange={(e) => setPasscode(e.target.value)}
+            required
+            minLength={4}
+          />
+        </label>
+
+        {error ? <p className="revolut-login__error">{error}</p> : null}
+
+        <button type="submit" className="revolut-login__submit" disabled={submitting}>
+          {submitting ? 'Signing in…' : 'Continue'}
+        </button>
+      </form>
+
+      <p className="revolut-login__footer">
+        Protected by session encryption. Contact treasury for access.
+      </p>
+    </div>
+  );
+}
diff --git a/frontend-dapp/src/features/online-bank/RevolutTabBar.tsx b/frontend-dapp/src/features/online-bank/RevolutTabBar.tsx
new file mode 100644
index 0000000..15c16bb
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/RevolutTabBar.tsx
@@ -0,0 +1,35 @@
+import NasaIcon, { type NasaIconName } from '../../components/icons/NasaIcon';
+
+export type RevolutTab = 'home' | 'invest' | 'payments' | 'hub' | 'more';
+
+const TABS: { id: RevolutTab; label: string; icon: NasaIconName }[] = [
+  { id: 'home', label: 'Home', icon: 'central-bank' },
+  { id: 'invest', label: 'Invest', icon: 'chart' },
+  { id: 'payments', label: 'Payments', icon: 'money' },
+  { id: 'hub', label: 'Hub', icon: 'dashboard' },
+  { id: 'more', label: 'More', icon: 'globe' },
+];
+
+type Props = {
+  active: RevolutTab;
+  onChange: (tab: RevolutTab) => void;
+};
+
+export default function RevolutTabBar({ active, onChange }: Props) {
+  return (
+    <nav className="revolut-tab-bar" aria-label="Revolut navigation">
+      {TABS.map(({ id, label, icon }) => (
+        <button
+          key={id}
+          type="button"
+          className={`revolut-tab-bar__item${active === id ? ' revolut-tab-bar__item--active' : ''}`}
+          onClick={() => onChange(id)}
+          aria-current={active === id ? 'page' : undefined}
+        >
+          <NasaIcon name={icon} size={22} />
+          <span>{label}</span>
+        </button>
+      ))}
+    </nav>
+  );
+}
diff --git a/frontend-dapp/src/features/online-bank/SettlementProtocolsPanel.tsx b/frontend-dapp/src/features/online-bank/SettlementProtocolsPanel.tsx
index edc54b8..8e36d4c 100644
--- a/frontend-dapp/src/features/online-bank/SettlementProtocolsPanel.tsx
+++ b/frontend-dapp/src/features/online-bank/SettlementProtocolsPanel.tsx
@@ -11,6 +11,8 @@ const PHASE_LABEL: Record<SettlementPhase, string> = {
   HYBX_RAIL_DISPATCHED: 'HYBX dispatched',
   ISO20022_ARCHIVED: 'ISO 20022 archived',
   CHAIN_MINT_REQUESTED: 'Chain mint',
+  CHAIN_BRIDGE_REQUESTED: 'Bridge submitted',
+  CHAIN_BRIDGE_PENDING: 'Bridge in flight',
   SETTLED: 'Settled',
   FAILED: 'Failed',
 };
@@ -56,7 +58,7 @@ const PROTOCOLS: Record<ProtocolGroup, { id: ProtocolId; label: string }[]> = {
   digital: [
     { id: 'internal', label: 'Internal M2/M3' },
     { id: 'token-load', label: 'M2 token load' },
-    { id: 'fiat-crypto', label: 'Fiat → crypto (138)' },
+    { id: 'fiat-crypto', label: 'Fiat → crypto' },
     { id: 'onex-shiva-crypto', label: 'Fiat → Shiva (OneX)' },
     { id: 'external', label: 'M4 SWIFT out' },
   ],
@@ -80,6 +82,7 @@ export default function SettlementProtocolsPanel({ onSuccess }: { onSuccess?: ()
   const [tokenSymbol, setTokenSymbol] = useState('cUSDC');
   const [tokenAddress, setTokenAddress] = useState('0x71D6687F38b93CCad569Fa6352c876eea967201b');
   const [lineId, setLineId] = useState('USD-M2');
+  const [deliveryChainId, setDeliveryChainId] = useState<'138' | '1'>('138');
 
   useEffect(() => {
     if (address) setRecipient(address);
@@ -160,11 +163,12 @@ export default function SettlementProtocolsPanel({ onSuccess }: { onSuccess?: ()
         case 'token-load':
           if (!recipient) throw new Error('Connect wallet for mint recipient');
           await s.tokenLoad({
-            lineId,
+            lineId: deliveryChainId === '1' ? 'WETH-M2' : lineId,
             symbol: tokenSymbol,
             tokenAddress,
             amount: String(amount),
             recipientAddress: recipient,
+            targetChainId: Number(deliveryChainId),
           });
           break;
         case 'fiat-crypto':
@@ -173,7 +177,8 @@ export default function SettlementProtocolsPanel({ onSuccess }: { onSuccess?: ()
             amount: String(amount),
             creditorIban: iban,
             recipientAddress: recipient,
-            tokenLineId: lineId,
+            tokenLineId: deliveryChainId === '1' ? 'WETH-M2' : lineId,
+            targetChainId: Number(deliveryChainId),
           });
           break;
         case 'onex-shiva-crypto':
@@ -313,10 +318,23 @@ export default function SettlementProtocolsPanel({ onSuccess }: { onSuccess?: ()
               </>
             )}
             {(active === 'token-load' || active === 'fiat-crypto') && (
-              <label className="revolut-bank__field">
-                <span>OMNL line ID</span>
-                <input type="text" value={lineId} onChange={(e) => setLineId(e.target.value)} className="revolut-bank__input" />
-              </label>
+              <>
+                <label className="revolut-bank__field">
+                  <span>Delivery chain</span>
+                  <select
+                    value={deliveryChainId}
+                    onChange={(e) => setDeliveryChainId(e.target.value as '138' | '1')}
+                    className="revolut-bank__input"
+                  >
+                    <option value="138">Chain 138 (OMNL hub)</option>
+                    <option value="1">Ethereum Mainnet (138 mint + bridge)</option>
+                  </select>
+                </label>
+                <label className="revolut-bank__field">
+                  <span>OMNL line ID</span>
+                  <input type="text" value={lineId} onChange={(e) => setLineId(e.target.value)} className="revolut-bank__input" />
+                </label>
+              </>
             )}
           </>
         )}
@@ -341,6 +359,21 @@ export default function SettlementProtocolsPanel({ onSuccess }: { onSuccess?: ()
               <strong>Fineract:</strong> {s.lastResult.fineractJournalRef}
             </p>
           )}
+          {s.lastResult.chainTxHash && (
+            <p>
+              <strong>Chain mint:</strong> {s.lastResult.chainTxHash}
+            </p>
+          )}
+          {s.lastResult.bridgeTxHash && (
+            <p>
+              <strong>Bridge tx:</strong> {s.lastResult.bridgeTxHash}
+            </p>
+          )}
+          {s.lastResult.bridgeMessageId && (
+            <p>
+              <strong>Bridge message:</strong> {s.lastResult.bridgeMessageId}
+            </p>
+          )}
         </div>
       )}
 
diff --git a/frontend-dapp/src/features/online-bank/ZBankFullSettlementPanel.tsx b/frontend-dapp/src/features/online-bank/ZBankFullSettlementPanel.tsx
index deb27d1..77680e2 100644
--- a/frontend-dapp/src/features/online-bank/ZBankFullSettlementPanel.tsx
+++ b/frontend-dapp/src/features/online-bank/ZBankFullSettlementPanel.tsx
@@ -11,6 +11,8 @@ const PHASE_LABEL: Record<SettlementPhase, string> = {
   HYBX_RAIL_DISPATCHED: 'HYBX dispatched',
   ISO20022_ARCHIVED: 'ISO 20022 archived',
   CHAIN_MINT_REQUESTED: 'Chain mint',
+  CHAIN_BRIDGE_REQUESTED: 'Bridge submitted',
+  CHAIN_BRIDGE_PENDING: 'Bridge in flight',
   SETTLED: 'Settled',
   FAILED: 'Failed',
 };
@@ -42,6 +44,7 @@ export default function ZBankFullSettlementPanel({ onSuccess, balances }: Props)
   const [iban, setIban] = useState(DEFAULT_IBAN);
   const [recipient, setRecipient] = useState('');
   const [includeM3, setIncludeM3] = useState(true);
+  const [deliveryChainId, setDeliveryChainId] = useState<'138' | '1'>('138');
 
   useEffect(() => {
     if (address) setRecipient(address);
@@ -54,6 +57,7 @@ export default function ZBankFullSettlementPanel({ onSuccess, balances }: Props)
         amount: String(amount),
         creditorIban: iban,
         recipientAddress: includeM3 ? recipient : undefined,
+        targetChainId: includeM3 ? Number(deliveryChainId) : undefined,
       });
       await s.refreshSettlements();
       onSuccess?.();
@@ -129,16 +133,29 @@ export default function ZBankFullSettlementPanel({ onSuccess, balances }: Props)
           <span>Include M3 on-chain mint (M2→M3→M4 path)</span>
         </label>
         {includeM3 && (
-          <label className="revolut-bank__field">
-            <span>M3 recipient wallet (Chain 138)</span>
-            <input
-              type="text"
-              value={recipient}
-              onChange={(e) => setRecipient(e.target.value)}
-              placeholder={isConnected ? address : '0x…'}
-              className="revolut-bank__input"
-            />
-          </label>
+          <>
+            <label className="revolut-bank__field">
+              <span>Delivery chain</span>
+              <select
+                value={deliveryChainId}
+                onChange={(e) => setDeliveryChainId(e.target.value as '138' | '1')}
+                className="revolut-bank__input"
+              >
+                <option value="138">Chain 138 (OMNL hub)</option>
+                <option value="1">Ethereum Mainnet (138 mint + bridge)</option>
+              </select>
+            </label>
+            <label className="revolut-bank__field">
+              <span>M3 recipient wallet</span>
+              <input
+                type="text"
+                value={recipient}
+                onChange={(e) => setRecipient(e.target.value)}
+                placeholder={isConnected ? address : '0x…'}
+                className="revolut-bank__input"
+              />
+            </label>
+          </>
         )}
       </div>
 
@@ -193,6 +210,21 @@ export default function ZBankFullSettlementPanel({ onSuccess, balances }: Props)
               <strong>Chain mint:</strong> {s.lastResult.chainTxHash}
             </p>
           )}
+          {s.lastResult.bridgeTxHash && (
+            <p>
+              <strong>Bridge tx:</strong> {s.lastResult.bridgeTxHash}
+            </p>
+          )}
+          {s.lastResult.bridgeMessageId && (
+            <p>
+              <strong>Bridge message:</strong> {s.lastResult.bridgeMessageId}
+            </p>
+          )}
+          {s.lastResult.destinationChainId && s.lastResult.destinationChainId !== 138 && (
+            <p>
+              <strong>Destination chain:</strong> {s.lastResult.destinationChainId}
+            </p>
+          )}
         </div>
       )}
 
diff --git a/frontend-dapp/src/features/online-bank/ZBankPosCardsPanel.tsx b/frontend-dapp/src/features/online-bank/ZBankPosCardsPanel.tsx
new file mode 100644
index 0000000..eb15909
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/ZBankPosCardsPanel.tsx
@@ -0,0 +1,282 @@
+import { useState } from 'react';
+import NasaIcon from '../../components/icons/NasaIcon';
+import { formatUsd } from '../../utils/formatMoney';
+import { useZBankPos } from './useZBankPos';
+
+type Tab = 'pof' | 'load' | 'pos';
+
+export default function ZBankPosCardsPanel() {
+  const pos = useZBankPos();
+  const [tab, setTab] = useState<Tab>('load');
+  const [amount, setAmount] = useState('1000');
+  const [cardholder, setCardholder] = useState('Z Card holder');
+  const [cardLast4, setCardLast4] = useState('');
+  const [productId, setProductId] = useState('z-prepaid-usd');
+  const [selectedCardId, setSelectedCardId] = useState('');
+  const [terminalId, setTerminalId] = useState('POS-ZBANK-001');
+  const [saleAmount, setSaleAmount] = useState('50');
+
+  const products = pos.config?.cardProducts ?? [
+    { id: 'z-prepaid-usd', label: 'Z Prepaid USD', minLoad: '10', currency: 'USD' },
+    { id: 'z-debit-onex', label: 'OneX Debit', minLoad: '100', currency: 'USD' },
+  ];
+  const terminals = pos.config?.posTerminals ?? [
+    { terminalId: 'POS-ZBANK-001', merchantName: 'zBank HQ — Baghdad' },
+  ];
+
+  return (
+    <section className="zbank-pos" id="z-pos-cards" aria-label="zBank proof of funds, cards and POS">
+      <h2 className="revolut-bank__section-title">zBank · Cards & POS</h2>
+      <p className="revolut-bank__protocols-hint">
+        Load prepaid cards from zBank M2 (Office 29), issue proof-of-funds attestations, and run POS sales.
+      </p>
+
+      <div className="zbank-pos__tabs" role="tablist">
+        {(
+          [
+            ['pof', 'Proof of funds'],
+            ['load', 'Load card'],
+            ['pos', 'POS terminal'],
+          ] as const
+        ).map(([id, label]) => (
+          <button
+            key={id}
+            type="button"
+            role="tab"
+            aria-selected={tab === id}
+            className={`zbank-pos__tab${tab === id ? ' zbank-pos__tab--active' : ''}`}
+            onClick={() => setTab(id)}
+          >
+            {label}
+          </button>
+        ))}
+      </div>
+
+      {pos.error && (
+        <div className="revolut-bank__protocol-error" role="alert">
+          {pos.error}
+        </div>
+      )}
+
+      {tab === 'pof' && (
+        <div className="zbank-pos__panel" role="tabpanel">
+          <p className="zbank-pos__hint">
+            Fineract GL attestation for zBank (Office {pos.config?.officeId ?? 29}) — M1/M2 + card prepaid pool.
+          </p>
+          <button
+            type="button"
+            className="revolut-bank__submit"
+            disabled={pos.loading}
+            onClick={() => pos.fetchProofOfFunds()}
+          >
+            {pos.loading ? 'Generating…' : 'Generate proof of funds'}
+          </button>
+          {pos.pof && (
+            <div className="zbank-pos__pof">
+              <p>
+                <strong>Ref:</strong> {pos.pof.settlementRef}
+              </p>
+              <p>
+                <strong>Primary GL {pos.pof.attestation.primaryGlCode}:</strong>{' '}
+                {formatUsd(pos.pof.attestation.primaryAmountUsd)} {pos.pof.attestation.currency}
+              </p>
+              <p className="zbank-pos__meta">{pos.pof.attestation.methodology}</p>
+              {pos.pof.integrity?.sha256 && (
+                <p className="zbank-pos__sha">
+                  SHA-256: <code>{pos.pof.integrity.sha256.slice(0, 24)}…</code>
+                </p>
+              )}
+              <button
+                type="button"
+                className="revolut-bank__section-link border-0 bg-transparent cursor-pointer"
+                onClick={() => {
+                  const blob = new Blob([JSON.stringify(pos.pof, null, 2)], { type: 'application/json' });
+                  const url = URL.createObjectURL(blob);
+                  const a = document.createElement('a');
+                  a.href = url;
+                  a.download = `${pos.pof!.settlementRef}.json`;
+                  a.click();
+                  URL.revokeObjectURL(url);
+                }}
+              >
+                Download JSON
+              </button>
+            </div>
+          )}
+        </div>
+      )}
+
+      {tab === 'load' && (
+        <div className="zbank-pos__panel" role="tabpanel">
+          <div className="revolut-bank__protocol-form">
+            <label className="revolut-bank__field">
+              <span>Card product</span>
+              <select
+                className="revolut-bank__input"
+                value={productId}
+                onChange={(e) => setProductId(e.target.value)}
+              >
+                {products.map((p) => (
+                  <option key={p.id} value={p.id}>
+                    {p.label} (min {p.minLoad} {p.currency})
+                  </option>
+                ))}
+              </select>
+            </label>
+            <label className="revolut-bank__field">
+              <span>Load amount (USD)</span>
+              <input
+                type="text"
+                inputMode="decimal"
+                className="revolut-bank__input"
+                value={amount}
+                onChange={(e) => setAmount(e.target.value)}
+              />
+            </label>
+            <label className="revolut-bank__field">
+              <span>Cardholder name</span>
+              <input
+                type="text"
+                className="revolut-bank__input"
+                value={cardholder}
+                onChange={(e) => setCardholder(e.target.value)}
+              />
+            </label>
+            <label className="revolut-bank__field">
+              <span>Last 4 digits (optional)</span>
+              <input
+                type="text"
+                maxLength={4}
+                className="revolut-bank__input"
+                placeholder="Auto"
+                value={cardLast4}
+                onChange={(e) => setCardLast4(e.target.value.replace(/\D/g, '').slice(0, 4))}
+              />
+            </label>
+          </div>
+          <button
+            type="button"
+            className="revolut-bank__submit"
+            disabled={pos.loading}
+            onClick={() =>
+              pos.loadCard({
+                cardProductId: productId,
+                amount,
+                cardholderName: cardholder,
+                cardLast4: cardLast4 || undefined,
+              })
+            }
+          >
+            {pos.loading ? 'Loading card…' : `Load ${formatUsd(amount)} from zBank M2`}
+          </button>
+          {pos.lastLoad?.card && (
+            <div className="revolut-bank__protocol-result">
+              <p>
+                <strong>Card:</strong> •••• {(pos.lastLoad.card as { cardLast4: string }).cardLast4} ·{' '}
+                {(pos.lastLoad.card as { cardId: string }).cardId}
+              </p>
+              <p>
+                <strong>Balance:</strong> {formatUsd((pos.lastLoad.card as { balance: string }).balance)}
+              </p>
+            </div>
+          )}
+        </div>
+      )}
+
+      {tab === 'pos' && (
+        <div className="zbank-pos__panel" role="tabpanel">
+          <div className="revolut-bank__protocol-form">
+            <label className="revolut-bank__field">
+              <span>Z Card</span>
+              <select
+                className="revolut-bank__input"
+                value={selectedCardId}
+                onChange={(e) => setSelectedCardId(e.target.value)}
+              >
+                <option value="">Select card…</option>
+                {pos.cards.map((c) => (
+                  <option key={c.cardId} value={c.cardId}>
+                    •••• {c.cardLast4} — {formatUsd(c.balance)} ({c.productLabel})
+                  </option>
+                ))}
+              </select>
+            </label>
+            <label className="revolut-bank__field">
+              <span>POS terminal</span>
+              <select
+                className="revolut-bank__input"
+                value={terminalId}
+                onChange={(e) => setTerminalId(e.target.value)}
+              >
+                {terminals.map((t) => (
+                  <option key={t.terminalId} value={t.terminalId}>
+                    {t.merchantName}
+                  </option>
+                ))}
+              </select>
+            </label>
+            <label className="revolut-bank__field">
+              <span>Sale amount (USD)</span>
+              <input
+                type="text"
+                inputMode="decimal"
+                className="revolut-bank__input"
+                value={saleAmount}
+                onChange={(e) => setSaleAmount(e.target.value)}
+              />
+            </label>
+          </div>
+          <button
+            type="button"
+            className="revolut-bank__submit zbank-pos__tap"
+            disabled={pos.loading || !selectedCardId}
+            onClick={() =>
+              pos.posSale({
+                cardId: selectedCardId,
+                terminalId,
+                amount: saleAmount,
+              })
+            }
+          >
+            <NasaIcon name="money" size={18} />
+            {pos.loading ? 'Processing…' : `Tap to pay ${formatUsd(saleAmount)}`}
+          </button>
+          {pos.lastSale && (
+            <div className="revolut-bank__protocol-result">
+              <p>
+                <strong>Status:</strong> {String(pos.lastSale.status)}
+              </p>
+              {pos.lastSale.merchantName && (
+                <p>
+                  <strong>Merchant:</strong> {String(pos.lastSale.merchantName)}
+                </p>
+              )}
+            </div>
+          )}
+        </div>
+      )}
+
+      {pos.cards.length > 0 && (
+        <div className="zbank-pos__cards">
+          <h3 className="zbank-pos__cards-title">Loaded cards</h3>
+          <ul>
+            {pos.cards.map((c) => (
+              <li key={c.cardId} className="zbank-pos__card-row">
+                <span className="zbank-pos__card-chip" aria-hidden>
+                  Z
+                </span>
+                <div>
+                  <p className="zbank-pos__card-label">
+                    {c.productLabel} · •••• {c.cardLast4}
+                  </p>
+                  <p className="zbank-pos__card-meta">{c.cardholderName}</p>
+                </div>
+                <span className="zbank-pos__card-balance">{formatUsd(c.balance)}</span>
+              </li>
+            ))}
+          </ul>
+        </div>
+      )}
+    </section>
+  );
+}
diff --git a/frontend-dapp/src/features/online-bank/useRevolutBank.ts b/frontend-dapp/src/features/online-bank/useRevolutBank.ts
new file mode 100644
index 0000000..982fd7f
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/useRevolutBank.ts
@@ -0,0 +1,126 @@
+import { useCallback, useEffect, useState } from 'react';
+import { settlementApi } from '../../config/dex';
+import { zBankAuthHeaders } from './useZBankAuth';
+
+export type ConsumerAccount = {
+  id: string;
+  currency: string;
+  name: string;
+  flag: string;
+  balance: string;
+  availableBalance: string;
+  type: string;
+  moneyLayer: string;
+  details: {
+    iban: string | null;
+    bic: string;
+    accountNumber: string;
+    sortCode?: string | null;
+    routingNumber?: string;
+    bankName: string;
+    bankAddress: string;
+    shareText: string;
+  };
+};
+
+export type ConsumerCard = {
+  cardId: string;
+  tier: string;
+  label: string;
+  gradient: string;
+  network: string;
+  last4: string;
+  cardholderName: string;
+  currency: string;
+  balance: string;
+  status: string;
+  productId: string;
+  expiry?: string;
+};
+
+export type ConsumerTransaction = {
+  id: string;
+  type: string;
+  title: string;
+  subtitle: string;
+  amount: string;
+  currency: string;
+  direction: 'in' | 'out';
+  status: string;
+  createdAt: string;
+  reference?: string;
+};
+
+export type ConsumerOverview = {
+  asOf: string;
+  profile: {
+    displayName: string;
+    plan: string;
+    planTier: string;
+    planPrice: string;
+    email: string;
+    phone: string;
+    address: {
+      line1: string;
+      city: string;
+      postcode: string;
+      country: string;
+      countryName: string;
+    };
+    memberSince: string;
+    kycStatus: string;
+    kycLevel: string;
+    officeId: number;
+    externalId: string;
+  };
+  totalBalance: string;
+  totalBalanceCurrency: string;
+  accounts: ConsumerAccount[];
+  cards: ConsumerCard[];
+  transactions: ConsumerTransaction[];
+  limits: {
+    currency: string;
+    dailyTransferLimit: string;
+    dailyTransferUsed: string;
+    monthlyTransferLimit: string;
+    monthlyTransferUsed: string;
+    cardSpendDailyLimit: string;
+    cardSpendDailyUsed: string;
+    atmDailyLimit: string;
+    atmDailyUsed: string;
+    topUpMonthlyLimit: string;
+  };
+  fineractConnected: boolean;
+  fineractLive: boolean;
+};
+
+export function useRevolutBank() {
+  const [overview, setOverview] = useState<ConsumerOverview | null>(null);
+  const [loading, setLoading] = useState(true);
+  const [error, setError] = useState<string | null>(null);
+
+  const refresh = useCallback(async () => {
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(settlementApi('/z-bank/consumer/overview'), {
+        headers: zBankAuthHeaders(),
+      });
+      const data = (await res.json()) as ConsumerOverview & { error?: string };
+      if (!res.ok) throw new Error(data.error || `Consumer API ${res.status}`);
+      setOverview(data);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Failed to load account');
+    } finally {
+      setLoading(false);
+    }
+  }, []);
+
+  useEffect(() => {
+    refresh();
+    const t = setInterval(refresh, 30_000);
+    return () => clearInterval(t);
+  }, [refresh]);
+
+  return { overview, loading, error, refresh };
+}
diff --git a/frontend-dapp/src/features/online-bank/useZBankAuth.ts b/frontend-dapp/src/features/online-bank/useZBankAuth.ts
new file mode 100644
index 0000000..3a512f2
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/useZBankAuth.ts
@@ -0,0 +1,96 @@
+import { useCallback, useEffect, useState } from 'react';
+import { settlementApi } from '../../config/dex';
+
+const SESSION_KEY = 'zbank_session_token';
+
+export type PortalSession = {
+  userId: string;
+  displayName: string;
+  phone: string;
+  email?: string;
+};
+
+export function getZBankSessionToken(): string | null {
+  return localStorage.getItem(SESSION_KEY);
+}
+
+export function zBankAuthHeaders(): HeadersInit {
+  const token = getZBankSessionToken();
+  return token ? { Authorization: `Bearer ${token}` } : {};
+}
+
+export function useZBankAuth() {
+  const [requireAuth, setRequireAuth] = useState(false);
+  const [session, setSession] = useState<PortalSession | null>(null);
+  const [loading, setLoading] = useState(true);
+  const [error, setError] = useState<string | null>(null);
+
+  const bootstrap = useCallback(async () => {
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(settlementApi('/z-bank/auth/bootstrap'));
+      const data = (await res.json()) as { requireAuth?: boolean; error?: string };
+      if (!res.ok) throw new Error(data.error || `Bootstrap ${res.status}`);
+      setRequireAuth(Boolean(data.requireAuth));
+
+      const token = getZBankSessionToken();
+      if (!data.requireAuth) {
+        setSession(null);
+        return;
+      }
+      if (!token) {
+        setSession(null);
+        return;
+      }
+      const sRes = await fetch(settlementApi('/z-bank/auth/session'), {
+        headers: { Authorization: `Bearer ${token}` },
+      });
+      if (!sRes.ok) {
+        localStorage.removeItem(SESSION_KEY);
+        setSession(null);
+        return;
+      }
+      const sData = (await sRes.json()) as { session: PortalSession };
+      setSession(sData.session);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Auth bootstrap failed');
+    } finally {
+      setLoading(false);
+    }
+  }, []);
+
+  const login = useCallback(async (phone: string, passcode: string) => {
+    setError(null);
+    const res = await fetch(settlementApi('/z-bank/auth/login'), {
+      method: 'POST',
+      headers: { 'Content-Type': 'application/json' },
+      body: JSON.stringify({ phone, passcode }),
+    });
+    const data = (await res.json()) as { token?: string; session?: PortalSession; error?: string };
+    if (!res.ok) throw new Error(data.error || 'Login failed');
+    if (data.token) localStorage.setItem(SESSION_KEY, data.token);
+    setSession(data.session ?? null);
+    return data.session!;
+  }, []);
+
+  const logout = useCallback(async () => {
+    const token = getZBankSessionToken();
+    if (token) {
+      await fetch(settlementApi('/z-bank/auth/logout'), {
+        method: 'POST',
+        headers: { Authorization: `Bearer ${token}` },
+      }).catch(() => undefined);
+    }
+    localStorage.removeItem(SESSION_KEY);
+    setSession(null);
+  }, []);
+
+  useEffect(() => {
+    bootstrap();
+  }, [bootstrap]);
+
+  const authenticated = !requireAuth || session !== null;
+
+  return { requireAuth, session, loading, error, authenticated, login, logout, refresh: bootstrap };
+}
diff --git a/frontend-dapp/src/features/online-bank/useZBankPos.ts b/frontend-dapp/src/features/online-bank/useZBankPos.ts
new file mode 100644
index 0000000..86a3bbb
--- /dev/null
+++ b/frontend-dapp/src/features/online-bank/useZBankPos.ts
@@ -0,0 +1,182 @@
+import { useCallback, useEffect, useState } from 'react';
+import { omnlApiHeaders, settlementApi } from '../../config/dex';
+
+export type ZBankPosConfig = {
+  officeId: number;
+  issuer: { legalName: string; brand: string; guosmmNotice: string };
+  cardProducts: Array<{ id: string; label: string; currency: string; network: string; maxBalance: string; minLoad: string }>;
+  posTerminals: Array<{ terminalId: string; merchantName: string; mcc: string }>;
+};
+
+export type ZBankCard = {
+  cardId: string;
+  productId: string;
+  productLabel: string;
+  cardholderName: string;
+  cardLast4: string;
+  currency: string;
+  balance: string;
+  status: string;
+};
+
+export type ProofOfFundsDoc = {
+  documentType: string;
+  generatedAtUtc: string;
+  settlementRef: string;
+  attestation: { primaryGlCode: string; primaryAmountUsd: string; currency: string; methodology: string };
+  issuer: { legalName: string; brand: string; officeId: number };
+  integrity?: { sha256: string };
+};
+
+function idem(prefix: string) {
+  return `${prefix}-${Date.now()}-${Math.random().toString(36).slice(2, 9)}`;
+}
+
+export function useZBankPos() {
+  const [config, setConfig] = useState<ZBankPosConfig | null>(null);
+  const [cards, setCards] = useState<ZBankCard[]>([]);
+  const [pof, setPof] = useState<ProofOfFundsDoc | null>(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+  const [lastSale, setLastSale] = useState<Record<string, unknown> | null>(null);
+  const [lastLoad, setLastLoad] = useState<Record<string, unknown> | null>(null);
+
+  const refreshConfig = useCallback(async () => {
+    try {
+      const res = await fetch(settlementApi('/z-bank/pos/config'));
+      if (res.ok) setConfig((await res.json()) as ZBankPosConfig);
+    } catch {
+      /* optional */
+    }
+  }, []);
+
+  const refreshCards = useCallback(async () => {
+    try {
+      const res = await fetch(settlementApi('/z-bank/consumer/cards'));
+      if (!res.ok) {
+        const authRes = await fetch(settlementApi('/z-bank/pos/cards'), { headers: omnlApiHeaders(false) });
+        if (authRes.ok) {
+          const data = (await authRes.json()) as { cards: ZBankCard[] };
+          setCards(data.cards ?? []);
+        }
+        return;
+      }
+      const data = (await res.json()) as { cards: ZBankCard[] };
+      setCards(
+        (data.cards ?? []).map((c) => ({
+          cardId: c.cardId,
+          productId: c.productId,
+          productLabel: c.label,
+          cardholderName: c.cardholderName,
+          cardLast4: c.last4,
+          currency: c.currency,
+          balance: c.balance,
+          status: c.status,
+        })),
+      );
+    } catch {
+      /* optional */
+    }
+  }, []);
+
+  const fetchProofOfFunds = useCallback(async () => {
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(settlementApi('/z-bank/proof-of-funds'));
+      const data = (await res.json()) as ProofOfFundsDoc & { error?: string };
+      if (!res.ok) throw new Error(data.error || `POF failed (${res.status})`);
+      setPof(data);
+      return data;
+    } catch (e) {
+      const msg = e instanceof Error ? e.message : 'Proof of funds failed';
+      setError(msg);
+      throw e;
+    } finally {
+      setLoading(false);
+    }
+  }, []);
+
+  const loadCard = useCallback(
+    async (body: {
+      cardProductId: string;
+      amount: string;
+      cardholderName?: string;
+      cardLast4?: string;
+    }) => {
+      setLoading(true);
+      setError(null);
+      try {
+        const res = await fetch(settlementApi('/z-bank/pos/card-load'), {
+          method: 'POST',
+          headers: omnlApiHeaders(),
+          body: JSON.stringify({
+            idempotencyKey: idem('ZBANK-LOAD'),
+            ...body,
+          }),
+        });
+        const data = (await res.json()) as { settlement?: Record<string, unknown>; card?: ZBankCard; error?: string };
+        if (!res.ok) throw new Error(data.error || `Card load failed (${res.status})`);
+        setLastLoad(data);
+        await refreshCards();
+        return data;
+      } catch (e) {
+        const msg = e instanceof Error ? e.message : 'Card load failed';
+        setError(msg);
+        throw e;
+      } finally {
+        setLoading(false);
+      }
+    },
+    [refreshCards],
+  );
+
+  const posSale = useCallback(
+    async (body: { cardId: string; terminalId: string; amount: string; merchantReference?: string }) => {
+      setLoading(true);
+      setError(null);
+      try {
+        const res = await fetch(settlementApi('/z-bank/pos/sale'), {
+          method: 'POST',
+          headers: omnlApiHeaders(),
+          body: JSON.stringify({
+            idempotencyKey: idem('ZBANK-POS'),
+            ...body,
+          }),
+        });
+        const data = (await res.json()) as Record<string, unknown> & { error?: string; declineReason?: string };
+        if (!res.ok) throw new Error(String(data.declineReason || data.error || `POS declined (${res.status})`));
+        setLastSale(data);
+        await refreshCards();
+        return data;
+      } catch (e) {
+        const msg = e instanceof Error ? e.message : 'POS sale failed';
+        setError(msg);
+        throw e;
+      } finally {
+        setLoading(false);
+      }
+    },
+    [refreshCards],
+  );
+
+  useEffect(() => {
+    refreshConfig();
+    refreshCards();
+  }, [refreshConfig, refreshCards]);
+
+  return {
+    config,
+    cards,
+    pof,
+    loading,
+    error,
+    lastSale,
+    lastLoad,
+    fetchProofOfFunds,
+    loadCard,
+    posSale,
+    refreshCards,
+    clearError: () => setError(null),
+  };
+}
diff --git a/frontend-dapp/src/features/online-bank/useZBankSettlement.ts b/frontend-dapp/src/features/online-bank/useZBankSettlement.ts
index 1aabeaa..bf6ede3 100644
--- a/frontend-dapp/src/features/online-bank/useZBankSettlement.ts
+++ b/frontend-dapp/src/features/online-bank/useZBankSettlement.ts
@@ -10,6 +10,8 @@ export type SettlementPhase =
   | 'HYBX_RAIL_DISPATCHED'
   | 'ISO20022_ARCHIVED'
   | 'CHAIN_MINT_REQUESTED'
+  | 'CHAIN_BRIDGE_REQUESTED'
+  | 'CHAIN_BRIDGE_PENDING'
   | 'SETTLED'
   | 'FAILED';
 
@@ -20,6 +22,11 @@ export type SettlementResult = {
   fineractJournalRef?: string;
   hybxPaymentId?: string;
   chainTxHash?: string;
+  mintChainId?: number;
+  destinationChainId?: number;
+  bridgeTxHash?: string;
+  bridgeMessageId?: string;
+  mainnetTxHash?: string;
   error?: string;
   layerSteps?: {
     from: string;
@@ -240,11 +247,14 @@ export function useZBankSettlement() {
       tokenAddress: string;
       amount: string;
       recipientAddress: string;
+      targetChainId?: number;
     }) =>
       run('M2 token load', async () => {
-        const r = await postJson<SettlementResult>(exchangeApi('/token-load'), {
+        const r = await postJson<SettlementResult>(settlementApi('/token-load'), {
           idempotencyKey: idem('Z-LOAD'),
+          officeId: 24,
           currency: 'USD',
+          targetChainId: body.targetChainId ?? 138,
           ...body,
         });
         return { ok: r.ok, status: r.status, data: r.data };
@@ -290,8 +300,15 @@ export function useZBankSettlement() {
   );
 
   const zBankSettleM0ToM4 = useCallback(
-    (body: { amount: string; creditorIban: string; recipientAddress?: string; tokenLineId?: string }) =>
+    (body: {
+      amount: string;
+      creditorIban: string;
+      recipientAddress?: string;
+      tokenLineId?: string;
+      targetChainId?: number;
+    }) =>
       run('Z Online Bank M0→M4 settlement', async () => {
+        const targetChainId = body.targetChainId ?? 138;
         const payload = {
           idempotencyKey: idem('Z-M0M4'),
           officeId: 24,
@@ -301,7 +318,8 @@ export function useZBankSettlement() {
           beneficiaryName: 'Z Online Bank',
           remittanceInfo: 'Z Online Bank full-stack settlement M0→M1→M2→M3→M4',
           recipientAddress: body.recipientAddress,
-          tokenLineId: body.tokenLineId ?? 'USD-M2',
+          tokenLineId: body.tokenLineId ?? (targetChainId === 1 ? 'WETH-M2' : 'USD-M2'),
+          targetChainId,
         };
         let r = await postJson<SettlementResult>(settlementApi('/z-bank/settle-m0-m4'), payload);
         if (r.status === 404 || r.status === 405) {
@@ -313,8 +331,8 @@ export function useZBankSettlement() {
             convertToCrypto: body.recipientAddress
               ? {
                   enabled: true,
-                  targetChainId: 138,
-                  tokenLineId: body.tokenLineId ?? 'USD-M2',
+                  targetChainId,
+                  tokenLineId: body.tokenLineId ?? (targetChainId === 1 ? 'WETH-M2' : 'USD-M2'),
                   recipientAddress: body.recipientAddress,
                 }
               : undefined,
diff --git a/frontend-dapp/src/styles/online-bank.css b/frontend-dapp/src/styles/online-bank.css
index 8aa3ce8..5f663a0 100644
--- a/frontend-dapp/src/styles/online-bank.css
+++ b/frontend-dapp/src/styles/online-bank.css
@@ -1,36 +1,67 @@
 /**
- * Z Online Bank — Wise-inspired online banking UI
+ * Z Bank — Revolut-inspired dark fintech UI
+ * Tokens: canvas #000, elevated #16181a, cobalt #494fdf, Inter UI type
  */
 
+@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');
+
+/* ── Full-screen Revolut app shell ── */
+.revolut-app-shell {
+  min-height: 100dvh;
+  background: #000000;
+  display: flex;
+  flex-direction: column;
+}
+
+.revolut-app-shell__main {
+  flex: 1;
+  min-width: 0;
+  overflow-x: hidden;
+}
+
 .revolut-bank {
-  --rb-bg: #f2f2f2;
-  --rb-surface: #ffffff;
-  --rb-card: #ffffff;
-  --rb-text: #163300;
-  --rb-text-body: #454745;
-  --rb-muted: #6a6a6a;
-  --rb-subject: #454745;
-  --rb-accent: #9fe870;
-  --rb-accent-hover: #8fd960;
-  --rb-accent-text: #163300;
-  --rb-accent-deep: #0e2f0a;
-  --rb-accent-soft: #e8f8e0;
-  --rb-border: #e2e2e2;
-  --rb-border-strong: #d3d3d3;
-  --rb-shadow: 0 1px 3px rgba(22, 51, 0, 0.06);
-  --rb-shadow-md: 0 4px 12px rgba(22, 51, 0, 0.08);
+  --rb-bg: #000000;
+  --rb-surface: #16181a;
+  --rb-surface-soft: #191c1f;
+  --rb-surface-elevated: #232628;
+  --rb-card: #16181a;
+  --rb-text: #ffffff;
+  --rb-text-body: #ffffff;
+  --rb-muted: #8d969e;
+  --rb-subject: #8d969e;
+  --rb-accent: #494fdf;
+  --rb-accent-hover: #5a5fe8;
+  --rb-accent-text: #ffffff;
+  --rb-accent-deep: #494fdf;
+  --rb-accent-soft: rgba(73, 79, 223, 0.18);
+  --rb-border: rgba(255, 255, 255, 0.08);
+  --rb-border-strong: rgba(255, 255, 255, 0.14);
+  --rb-positive: #26c281;
+  --rb-negative: #ff6b6b;
+  --rb-warning-bg: rgba(255, 180, 0, 0.12);
+  --rb-warning-text: #ffb400;
+  --rb-error-bg: rgba(255, 107, 107, 0.12);
+  --rb-error-text: #ff6b6b;
   --rb-radius: 16px;
+  --rb-radius-lg: 20px;
   --rb-radius-sm: 12px;
   --rb-radius-pill: 9999px;
-  min-height: calc(100dvh - 3.5rem);
+  min-height: 100dvh;
   background: var(--rb-bg);
   color: var(--rb-text-body);
   font-family: Inter, 'Segoe UI', system-ui, -apple-system, sans-serif;
+  letter-spacing: 0.01em;
   -webkit-font-smoothing: antialiased;
+  padding-bottom: calc(4.25rem + env(safe-area-inset-bottom, 0));
+}
+
+/* Shell: Revolut black header + bottom nav on Z Bank route */
+.omnl-banking-theme {
+  background: var(--rb-bg);
 }
 
 .omnl-banking-theme .omnl-app-header {
-  background: #ffffff !important;
+  background: #000000 !important;
   border-bottom: 1px solid var(--rb-border) !important;
   box-shadow: none !important;
 }
@@ -38,7 +69,7 @@
 .omnl-banking-theme .omnl-app-header a,
 .omnl-banking-theme .omnl-app-header .font-semibold,
 .omnl-banking-theme .omnl-app-header button {
-  color: var(--rb-text) !important;
+  color: #ffffff !important;
 }
 
 .omnl-banking-theme .omnl-app-header nav a {
@@ -46,42 +77,57 @@
 }
 
 .omnl-banking-theme .omnl-app-header nav a.bg-green-600 {
-  background: var(--rb-accent) !important;
-  color: var(--rb-accent-text) !important;
+  background: var(--rb-surface-elevated) !important;
+  color: #ffffff !important;
+  box-shadow: inset 0 0 0 1px var(--rb-border-strong);
 }
 
 .omnl-banking-theme .omnl-app-header .bg-green-600 {
-  background: var(--rb-accent-deep) !important;
+  background: var(--rb-accent) !important;
 }
 
 .omnl-banking-theme .omnl-app-header .text-white {
-  color: var(--rb-text) !important;
+  color: #ffffff !important;
 }
 
 .omnl-banking-theme .omnl-app-header .hover\:bg-white\/10:hover {
-  background: var(--rb-bg) !important;
+  background: var(--rb-surface) !important;
+}
+
+.omnl-banking-theme .dbis-bottom-nav {
+  background: #000000;
+  border-top: 1px solid var(--rb-border);
+}
+
+.omnl-banking-theme .dbis-bottom-nav__item {
+  color: var(--rb-muted);
+}
+
+.omnl-banking-theme .dbis-bottom-nav__item--active {
+  color: #ffffff;
 }
 
 .revolut-bank__inner {
-  max-width: 42rem;
+  max-width: 100%;
   margin: 0 auto;
-  padding: 1.25rem 1rem 6rem;
+  padding: 0.75rem 1rem 1rem;
 }
 
 @media (min-width: 768px) {
   .revolut-bank__inner {
-    max-width: 52rem;
-    padding: 2rem 1.5rem 3rem;
+    max-width: 430px;
+    padding: 1rem 1.25rem 1.5rem;
   }
 }
 
-/* Page header */
+/* Page header — Revolut: avatar only, icons right */
 .revolut-bank__page-header {
   display: flex;
   align-items: center;
   justify-content: space-between;
-  gap: 1rem;
-  margin-bottom: 1.75rem;
+  gap: 0.75rem;
+  margin-bottom: 1rem;
+  padding-top: env(safe-area-inset-top, 0);
 }
 
 .revolut-bank__logo-row {
@@ -91,16 +137,31 @@
   min-width: 0;
 }
 
+.revolut-bank__avatar {
+  width: 2.5rem;
+  height: 2.5rem;
+  border-radius: 50%;
+  background: var(--rb-surface-elevated);
+  color: #ffffff;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  font-weight: 600;
+  font-size: 0.8125rem;
+  flex-shrink: 0;
+  border: 1px solid var(--rb-border-strong);
+}
+
 .revolut-bank__logo-mark {
   width: 2.5rem;
   height: 2.5rem;
   border-radius: 50%;
   background: var(--rb-accent);
-  color: var(--rb-accent-text);
+  color: #ffffff;
   display: flex;
   align-items: center;
   justify-content: center;
-  font-weight: 800;
+  font-weight: 700;
   font-size: 1rem;
   flex-shrink: 0;
 }
@@ -110,74 +171,255 @@
 }
 
 .revolut-bank__brand-title {
-  font-size: 1.125rem;
-  font-weight: 700;
+  font-size: 1.25rem;
+  font-weight: 600;
   color: var(--rb-text);
-  letter-spacing: -0.02em;
+  letter-spacing: -0.03em;
   margin: 0;
-  line-height: 1.2;
+  line-height: 1.15;
 }
 
 .revolut-bank__greeting-label {
   font-size: 0.8125rem;
   color: var(--rb-muted);
-  margin: 0;
+  margin: 0.15rem 0 0;
+  letter-spacing: 0.02em;
 }
 
 .revolut-bank__greeting-name {
-  font-size: 0.8125rem;
-  font-weight: 600;
+  font-weight: 500;
   color: var(--rb-text);
-  margin: 0;
-  overflow: hidden;
-  text-overflow: ellipsis;
-  white-space: nowrap;
+}
+
+.revolut-bank__header-actions {
+  display: flex;
+  align-items: center;
+  gap: 0.35rem;
+  flex-shrink: 0;
+}
+
+.revolut-bank__icon-btn {
+  width: 2.5rem;
+  height: 2.5rem;
+  border-radius: 50%;
+  border: none;
+  background: var(--rb-surface);
+  color: #ffffff;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  cursor: pointer;
+  text-decoration: none;
+  transition: background 0.15s;
+}
+
+.revolut-bank__icon-btn:hover {
+  background: var(--rb-surface-elevated);
 }
 
 .revolut-bank__status {
-  display: inline-flex;
+  display: none;
   align-items: center;
   gap: 0.35rem;
   font-size: 0.6875rem;
   font-weight: 600;
   padding: 0.35rem 0.65rem;
   border-radius: var(--rb-radius-pill);
-  background: var(--rb-accent-soft);
-  color: var(--rb-accent-deep);
-  border: 1px solid rgba(159, 232, 112, 0.5);
-  flex-shrink: 0;
+  background: rgba(38, 194, 129, 0.15);
+  color: var(--rb-positive);
+  border: 1px solid rgba(38, 194, 129, 0.25);
+}
+
+@media (min-width: 480px) {
+  .revolut-bank__status {
+    display: inline-flex;
+  }
 }
 
 .revolut-bank__status--offline {
-  background: #f5f5f5;
+  background: var(--rb-surface);
   color: var(--rb-muted);
   border-color: var(--rb-border);
 }
 
+/* Virtual card stack — Revolut peek deck */
+.revolut-bank__card-stack-wrap {
+  margin-bottom: 1.5rem;
+}
+
+.revolut-bank__card-stack {
+  position: relative;
+  height: 11.5rem;
+  margin: 0 auto;
+  max-width: 22rem;
+}
+
+.revolut-bank__virtual-card {
+  position: absolute;
+  left: 0;
+  right: 0;
+  width: 100%;
+  border: none;
+  cursor: pointer;
+  text-align: left;
+  aspect-ratio: 1.586;
+  border-radius: var(--rb-radius-lg);
+  padding: 1.25rem;
+  display: flex;
+  flex-direction: column;
+  justify-content: space-between;
+  color: #ffffff;
+  overflow: hidden;
+  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.35s ease;
+  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.45);
+}
+
+.revolut-bank__virtual-card--stack-0 {
+  z-index: 3;
+  transform: translateY(0) scale(1);
+  opacity: 1;
+}
+
+.revolut-bank__virtual-card--stack-1 {
+  z-index: 2;
+  transform: translateY(14px) scale(0.94);
+  opacity: 0.75;
+  pointer-events: none;
+}
+
+.revolut-bank__virtual-card--stack-2 {
+  z-index: 1;
+  transform: translateY(28px) scale(0.88);
+  opacity: 0.45;
+  pointer-events: none;
+}
+
+.revolut-bank__virtual-card::after {
+  content: '';
+  position: absolute;
+  inset: 0;
+  background: linear-gradient(135deg, rgba(255, 255, 255, 0.12) 0%, transparent 55%);
+  pointer-events: none;
+}
+
+.revolut-bank__virtual-card--metal {
+  background: linear-gradient(135deg, #2b2f33 0%, #6b7280 45%, #374151 100%);
+}
+
+.revolut-bank__virtual-card--standard {
+  background: linear-gradient(135deg, #494fdf 0%, #7c3aed 55%, #494fdf 100%);
+}
+
+.revolut-bank__virtual-card--premium {
+  background: linear-gradient(135deg, #0f0f0f 0%, #232628 50%, #494fdf 100%);
+}
+
+.revolut-bank__virtual-card-top {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  position: relative;
+  z-index: 1;
+}
+
+.revolut-bank__virtual-card-brand {
+  font-size: 1.125rem;
+  font-weight: 700;
+  letter-spacing: -0.04em;
+}
+
+.revolut-bank__virtual-card-type {
+  font-size: 0.6875rem;
+  font-weight: 600;
+  text-transform: uppercase;
+  letter-spacing: 0.08em;
+  opacity: 0.85;
+}
+
+.revolut-bank__virtual-card-number {
+  font-size: 1.125rem;
+  font-weight: 500;
+  letter-spacing: 0.12em;
+  margin: 0;
+  position: relative;
+  z-index: 1;
+}
+
+.revolut-bank__virtual-card-name {
+  font-size: 0.8125rem;
+  font-weight: 500;
+  margin: 0;
+  opacity: 0.9;
+  position: relative;
+  z-index: 1;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+}
+
+.revolut-bank__card-dots {
+  display: flex;
+  justify-content: center;
+  gap: 0.35rem;
+  margin-top: 2.25rem;
+}
+
+.revolut-bank__card-dot {
+  width: 0.375rem;
+  height: 0.375rem;
+  border-radius: 50%;
+  background: var(--rb-border-strong);
+}
+
+.revolut-bank__card-dot--active {
+  background: #ffffff;
+  width: 1.25rem;
+  border-radius: var(--rb-radius-pill);
+}
+
 /* Balance hero */
 .revolut-bank__balance-card {
   background: transparent;
-  padding: 0 0 1.5rem;
-  margin-bottom: 0.5rem;
-  border: none;
-  box-shadow: none;
-  position: relative;
+  padding: 0 0 1.25rem;
+  margin-bottom: 0.25rem;
 }
 
-.revolut-bank__balance-card::before {
-  display: none;
+.revolut-bank__balance-head {
+  display: flex;
+  align-items: center;
+  gap: 0.5rem;
+  margin-bottom: 0.35rem;
 }
 
 .revolut-bank__balance-label {
   font-size: 0.875rem;
   color: var(--rb-muted);
-  margin-bottom: 0.5rem;
+  margin: 0;
   font-weight: 400;
+  letter-spacing: 0.02em;
+}
+
+.revolut-bank__balance-toggle {
+  width: 1.75rem;
+  height: 1.75rem;
+  border: none;
+  background: transparent;
+  color: var(--rb-muted);
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  cursor: pointer;
+  padding: 0;
+  border-radius: 50%;
+}
+
+.revolut-bank__balance-toggle:hover {
+  color: #ffffff;
+  background: var(--rb-surface);
 }
 
 .revolut-bank__balance-amount {
-  font-size: 2.75rem;
-  font-weight: 700;
+  font-size: 2.5rem;
+  font-weight: 600;
   letter-spacing: -0.04em;
   line-height: 1.05;
   color: var(--rb-text);
@@ -185,32 +427,85 @@
 
 @media (min-width: 768px) {
   .revolut-bank__balance-amount {
-    font-size: 3.25rem;
+    font-size: 3rem;
   }
 }
 
 .revolut-bank__balance-sub {
-  margin-top: 0.65rem;
+  margin-top: 0.5rem;
   font-size: 0.8125rem;
   color: var(--rb-muted);
   display: flex;
   flex-wrap: wrap;
   gap: 0.75rem;
-  border: none;
+}
+
+.revolut-bank__balance-account {
+  margin: 0.35rem 0 0;
+  font-size: 0.8125rem;
+  color: var(--rb-muted);
+  letter-spacing: 0.02em;
+}
+
+/* Quick actions — Revolut circular icons */
+.revolut-bank__actions {
+  display: grid;
+  grid-template-columns: repeat(4, 1fr);
+  gap: 0.35rem;
+  margin-bottom: 1.75rem;
   padding: 0;
 }
 
-.revolut-bank__balance-sub span:last-child {
-  color: var(--rb-accent-deep);
-  font-weight: 600;
+.revolut-bank__action {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  gap: 0.45rem;
+  padding: 0.35rem 0.25rem;
+  text-decoration: none;
+  color: var(--rb-text);
+  border: none;
+  background: none;
+  cursor: pointer;
+  font-size: 0.6875rem;
+  font-weight: 500;
+  letter-spacing: 0.02em;
 }
 
-/* Primary CTAs — Wise Send / Add money */
+.revolut-bank__action-icon {
+  width: 3.25rem;
+  height: 3.25rem;
+  border-radius: 50%;
+  background: var(--rb-surface);
+  border: 1px solid var(--rb-border);
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  color: #ffffff;
+  transition: background 0.15s, transform 0.1s;
+}
+
+.revolut-bank__action-icon--primary {
+  background: #ffffff;
+  color: #000000;
+  border-color: #ffffff;
+}
+
+.revolut-bank__action:hover .revolut-bank__action-icon {
+  background: var(--rb-surface-elevated);
+  transform: scale(1.03);
+}
+
+.revolut-bank__action:hover .revolut-bank__action-icon--primary {
+  background: #f0f0f0;
+}
+
+/* Legacy CTA row (panels may still reference) */
 .revolut-bank__cta-row {
   display: grid;
   grid-template-columns: 1fr 1fr;
   gap: 0.75rem;
-  margin-bottom: 2rem;
+  margin-bottom: 1.5rem;
 }
 
 .revolut-bank__cta {
@@ -225,169 +520,124 @@
   text-decoration: none;
   cursor: pointer;
   border: none;
-  transition: background 0.15s, transform 0.1s;
   min-height: 48px;
+  transition: background 0.15s;
 }
 
 .revolut-bank__cta--primary {
-  background: var(--rb-accent);
-  color: var(--rb-accent-text);
+  background: #ffffff;
+  color: #000000;
 }
 
 .revolut-bank__cta--primary:hover {
-  background: var(--rb-accent-hover);
+  background: #e8e8e8;
 }
 
 .revolut-bank__cta--secondary {
   background: var(--rb-surface);
-  color: var(--rb-text);
+  color: #ffffff;
   border: 1px solid var(--rb-border-strong);
 }
 
 .revolut-bank__cta--secondary:hover {
-  background: #fafafa;
+  background: var(--rb-surface-elevated);
 }
 
-/* Account list — Wise-style rows */
+/* Accounts — horizontal scroll tiles */
 .revolut-bank__accounts-section {
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
 }
 
 .revolut-bank__accounts-heading {
   font-size: 1.125rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
-  margin: 0 0 0.75rem;
+  margin: 0;
   letter-spacing: -0.02em;
 }
 
 .revolut-bank__accounts {
   display: flex;
-  flex-direction: column;
-  gap: 0.5rem;
-  overflow: visible;
-  padding: 0;
-  margin: 0;
+  gap: 0.65rem;
+  overflow-x: auto;
+  scroll-snap-type: x mandatory;
+  scrollbar-width: none;
+  padding: 0.75rem 0 0.25rem;
+  margin: 0 -0.25rem;
+}
+
+.revolut-bank__accounts::-webkit-scrollbar {
+  display: none;
 }
 
 .revolut-bank__account-pill {
+  flex: 0 0 auto;
+  min-width: 7.5rem;
   display: flex;
-  align-items: center;
-  gap: 0.875rem;
-  min-width: 0;
-  padding: 1rem 1.125rem;
-  border-radius: var(--rb-radius-sm);
+  flex-direction: column;
+  align-items: flex-start;
+  gap: 0.35rem;
+  padding: 0.875rem 1rem;
+  border-radius: var(--rb-radius);
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
-  box-shadow: var(--rb-shadow);
-  cursor: default;
+  scroll-snap-align: start;
+  cursor: pointer;
+  text-align: left;
+  color: inherit;
+  font: inherit;
 }
 
 .revolut-bank__account-pill--active {
   border-color: var(--rb-accent);
-  background: var(--rb-surface);
-  box-shadow: var(--rb-shadow-md);
+  background: linear-gradient(160deg, rgba(73, 79, 223, 0.2) 0%, var(--rb-surface) 60%);
 }
 
 .revolut-bank__account-flag {
-  width: 2.5rem;
-  height: 2.5rem;
+  width: 2rem;
+  height: 2rem;
   border-radius: 50%;
-  background: var(--rb-bg);
-  border: 1px solid var(--rb-border);
+  background: var(--rb-surface-elevated);
+  border: none;
   display: flex;
   align-items: center;
   justify-content: center;
-  font-size: 0.6875rem;
-  font-weight: 800;
-  color: var(--rb-text);
+  font-size: 1rem;
   flex-shrink: 0;
-  letter-spacing: -0.02em;
+  line-height: 1;
 }
 
 .revolut-bank__account-pill--active .revolut-bank__account-flag {
   background: var(--rb-accent-soft);
-  border-color: rgba(159, 232, 112, 0.6);
-}
-
-.revolut-bank__account-pill-body {
-  flex: 1;
-  min-width: 0;
+  border-color: rgba(73, 79, 223, 0.45);
+  color: #ffffff;
 }
 
 .revolut-bank__account-pill-label {
-  font-size: 0.9375rem;
-  font-weight: 600;
+  font-size: 0.875rem;
+  font-weight: 500;
   color: var(--rb-text);
-  margin-bottom: 0.1rem;
-  text-transform: none;
-  letter-spacing: 0;
-}
-
-.revolut-bank__account-pill-meta {
-  font-size: 0.75rem;
-  color: var(--rb-muted);
+  margin: 0;
 }
 
 .revolut-bank__account-pill-value {
   font-size: 1rem;
-  font-weight: 700;
-  color: var(--rb-text);
-  flex-shrink: 0;
-  text-align: right;
-}
-
-/* Quick links row */
-.revolut-bank__actions {
-  display: grid;
-  grid-template-columns: repeat(4, 1fr);
-  gap: 0.5rem;
-  margin-bottom: 2rem;
-  padding: 0;
-  background: transparent;
-  border: none;
-  box-shadow: none;
-}
-
-.revolut-bank__action {
-  display: flex;
-  flex-direction: column;
-  align-items: center;
-  gap: 0.4rem;
-  padding: 0.5rem 0.25rem;
-  text-decoration: none;
-  color: var(--rb-subject);
-  border: none;
-  background: none;
-  cursor: pointer;
-  font-size: 0.6875rem;
   font-weight: 600;
-}
-
-.revolut-bank__action-icon {
-  width: 3rem;
-  height: 3rem;
-  border-radius: 50%;
-  background: var(--rb-surface);
-  border: 1px solid var(--rb-border);
-  display: flex;
-  align-items: center;
-  justify-content: center;
   color: var(--rb-text);
-  transition: background 0.15s, border-color 0.15s;
-  box-shadow: var(--rb-shadow);
+  margin: 0;
+  letter-spacing: -0.02em;
 }
 
-.revolut-bank__action:hover .revolut-bank__action-icon {
-  background: var(--rb-accent-soft);
-  border-color: rgba(159, 232, 112, 0.5);
-  transform: none;
+.revolut-bank__account-pill-meta {
+  font-size: 0.6875rem;
+  color: var(--rb-muted);
+  margin: 0;
 }
 
 /* Sections */
 .revolut-bank__section-title {
   font-size: 1.125rem;
-  font-weight: 700;
+  font-weight: 600;
   margin-bottom: 0.75rem;
   display: flex;
   align-items: center;
@@ -406,26 +656,29 @@
 
 .revolut-bank__section-link {
   font-size: 0.875rem;
-  font-weight: 600;
-  color: var(--rb-accent-deep);
+  font-weight: 500;
+  color: var(--rb-accent);
+  text-decoration: none;
+}
+
+.revolut-bank__section-link:hover {
   text-decoration: underline;
   text-underline-offset: 2px;
 }
 
-/* Activity */
+/* Activity / transactions */
 .revolut-bank__activity {
   background: var(--rb-surface);
-  border-radius: var(--rb-radius-sm);
+  border-radius: var(--rb-radius);
   border: 1px solid var(--rb-border);
-  box-shadow: var(--rb-shadow);
   overflow: hidden;
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
 }
 
 .revolut-bank__error {
-  color: #9a6700;
-  background: #fffbeb;
-  border-color: #fcd34d;
+  color: var(--rb-warning-text);
+  background: var(--rb-warning-bg);
+  border-color: rgba(255, 180, 0, 0.25);
 }
 
 .revolut-bank__activity-item {
@@ -444,19 +697,19 @@
   width: 2.5rem;
   height: 2.5rem;
   border-radius: 50%;
-  background: var(--rb-bg);
+  background: var(--rb-surface-elevated);
   border: 1px solid var(--rb-border);
   display: flex;
   align-items: center;
   justify-content: center;
   flex-shrink: 0;
-  color: var(--rb-text);
+  color: #ffffff;
 }
 
 .revolut-bank__activity-icon--swap {
-  background: #eef6ff;
-  border-color: #cce0ff;
-  color: #2563eb;
+  background: rgba(73, 79, 223, 0.2);
+  border-color: rgba(73, 79, 223, 0.35);
+  color: #a5a9ff;
 }
 
 .revolut-bank__activity-body {
@@ -466,7 +719,7 @@
 
 .revolut-bank__activity-title {
   font-size: 0.9375rem;
-  font-weight: 600;
+  font-weight: 500;
   color: var(--rb-text);
   white-space: nowrap;
   overflow: hidden;
@@ -481,52 +734,69 @@
 
 .revolut-bank__activity-amount {
   font-size: 0.9375rem;
-  font-weight: 700;
+  font-weight: 600;
   flex-shrink: 0;
   color: var(--rb-text);
 }
 
 .revolut-bank__activity-amount--positive {
-  color: #0d7a4f;
+  color: var(--rb-positive);
 }
 
-/* Services grid */
+/* Hub / services grid */
 .revolut-bank__services {
   display: grid;
   grid-template-columns: repeat(2, 1fr);
   gap: 0.65rem;
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
 }
 
 @media (min-width: 640px) {
   .revolut-bank__services {
-    grid-template-columns: repeat(3, 1fr);
+    grid-template-columns: repeat(2, 1fr);
   }
 }
 
 .revolut-bank__service-card {
   display: flex;
   flex-direction: column;
-  gap: 0.25rem;
-  padding: 1rem 1.125rem;
-  border-radius: var(--rb-radius-sm);
+  gap: 0.35rem;
+  padding: 1rem;
+  border-radius: var(--rb-radius);
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
-  box-shadow: var(--rb-shadow);
   text-decoration: none;
   color: var(--rb-text);
-  transition: border-color 0.15s, box-shadow 0.15s;
-  min-height: 5rem;
+  transition: background 0.15s, border-color 0.15s;
+  min-height: 5.5rem;
 }
 
 .revolut-bank__service-card:hover {
+  background: var(--rb-surface-elevated);
   border-color: var(--rb-border-strong);
-  box-shadow: var(--rb-shadow-md);
 }
 
+.revolut-bank__service-icon {
+  width: 2rem;
+  height: 2rem;
+  border-radius: 50%;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  margin-bottom: 0.15rem;
+}
+
+.revolut-bank__service-icon--teal { background: rgba(38, 194, 129, 0.2); color: #26c281; }
+.revolut-bank__service-icon--violet { background: rgba(73, 79, 223, 0.25); color: #a5a9ff; }
+.revolut-bank__service-icon--pink { background: rgba(236, 72, 153, 0.2); color: #f472b6; }
+.revolut-bank__service-icon--blue { background: rgba(59, 130, 246, 0.2); color: #60a5fa; }
+.revolut-bank__service-icon--orange { background: rgba(251, 146, 60, 0.2); color: #fb923c; }
+.revolut-bank__service-icon--lime { background: rgba(163, 230, 53, 0.15); color: #a3e635; }
+.revolut-bank__service-icon--grey { background: var(--rb-surface-elevated); color: var(--rb-muted); }
+
 .revolut-bank__service-label {
   font-size: 0.875rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
 }
 
@@ -545,16 +815,15 @@
   list-style: none;
   cursor: pointer;
   padding: 1rem 1.125rem;
-  border-radius: var(--rb-radius-sm);
+  border-radius: var(--rb-radius);
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
   font-size: 0.9375rem;
-  font-weight: 600;
+  font-weight: 500;
   color: var(--rb-text);
   display: flex;
   align-items: center;
   justify-content: space-between;
-  box-shadow: var(--rb-shadow);
 }
 
 .revolut-bank__treasury summary::-webkit-details-marker {
@@ -567,12 +836,12 @@
 
 .revolut-bank__treasury-body {
   margin-top: 0.75rem;
-  border-radius: var(--rb-radius-sm);
+  border-radius: var(--rb-radius);
   overflow: hidden;
 }
 
 .revolut-bank__skeleton {
-  background: linear-gradient(90deg, #ececec 25%, #e0e0e0 50%, #ececec 75%);
+  background: linear-gradient(90deg, #16181a 25%, #232628 50%, #16181a 75%);
   background-size: 200% 100%;
   animation: rb-shimmer 1.2s infinite;
   border-radius: 8px;
@@ -583,14 +852,13 @@
   100% { background-position: -200% 0; }
 }
 
-/* Settlement panel */
+/* Settlement / protocol panels */
 .revolut-bank__protocols {
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
   padding: 1.25rem;
-  border-radius: var(--rb-radius-sm);
+  border-radius: var(--rb-radius);
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
-  box-shadow: var(--rb-shadow);
 }
 
 .revolut-bank__protocols-hint {
@@ -618,17 +886,18 @@
   padding: 0.5rem 0.875rem;
   border-radius: var(--rb-radius-pill);
   border: 1px solid var(--rb-border);
-  background: var(--rb-surface);
-  color: var(--rb-subject);
+  background: var(--rb-surface-elevated);
+  color: var(--rb-muted);
   font-size: 0.75rem;
-  font-weight: 600;
+  font-weight: 500;
   cursor: pointer;
+  transition: background 0.15s, color 0.15s, border-color 0.15s;
 }
 
 .revolut-bank__protocol-tab--active {
-  background: var(--rb-accent);
-  border-color: var(--rb-accent);
-  color: var(--rb-accent-text);
+  background: #ffffff;
+  border-color: #ffffff;
+  color: #000000;
 }
 
 .revolut-bank__protocol-form {
@@ -642,49 +911,53 @@
   flex-direction: column;
   gap: 0.35rem;
   font-size: 0.8125rem;
-  color: var(--rb-text);
-  font-weight: 600;
+  color: var(--rb-muted);
+  font-weight: 500;
 }
 
 .revolut-bank__input {
   width: 100%;
-  padding: 0.75rem 0.875rem;
-  border-radius: 10px;
+  padding: 0.875rem 1rem;
+  border-radius: var(--rb-radius-sm);
   border: 1px solid var(--rb-border-strong);
-  background: #fff;
-  color: var(--rb-text);
+  background: var(--rb-surface-elevated);
+  color: #ffffff;
   font-size: 1rem;
   font-weight: 400;
 }
 
+.revolut-bank__input::placeholder {
+  color: var(--rb-muted);
+}
+
 .revolut-bank__input:focus {
   outline: none;
-  border-color: var(--rb-accent-deep);
-  box-shadow: 0 0 0 3px rgba(159, 232, 112, 0.35);
+  border-color: var(--rb-accent);
+  box-shadow: 0 0 0 3px var(--rb-accent-soft);
 }
 
 .revolut-bank__protocol-error {
   padding: 0.875rem;
-  border-radius: 10px;
-  background: #fef2f2;
-  border: 1px solid #fecaca;
-  color: #b91c1c;
+  border-radius: var(--rb-radius-sm);
+  background: var(--rb-error-bg);
+  border: 1px solid rgba(255, 107, 107, 0.25);
+  color: var(--rb-error-text);
   font-size: 0.8125rem;
   margin-bottom: 0.875rem;
 }
 
 .revolut-bank__protocol-result {
   padding: 0.875rem;
-  border-radius: 10px;
-  background: var(--rb-accent-soft);
-  border: 1px solid rgba(159, 232, 112, 0.45);
+  border-radius: var(--rb-radius-sm);
+  background: rgba(38, 194, 129, 0.12);
+  border: 1px solid rgba(38, 194, 129, 0.25);
   font-size: 0.8125rem;
-  color: var(--rb-subject);
+  color: var(--rb-text);
   margin-bottom: 0.875rem;
 }
 
 .revolut-bank__protocol-result strong {
-  color: var(--rb-accent-deep);
+  color: var(--rb-positive);
 }
 
 .revolut-bank__submit {
@@ -692,9 +965,9 @@
   padding: 0.9375rem 1rem;
   border-radius: var(--rb-radius-pill);
   border: none;
-  background: var(--rb-accent);
-  color: var(--rb-accent-text);
-  font-weight: 700;
+  background: #ffffff;
+  color: #000000;
+  font-weight: 600;
   font-size: 1rem;
   cursor: pointer;
   min-height: 48px;
@@ -702,11 +975,11 @@
 }
 
 .revolut-bank__submit:hover:not(:disabled) {
-  background: var(--rb-accent-hover);
+  background: #e8e8e8;
 }
 
 .revolut-bank__submit:disabled {
-  opacity: 0.5;
+  opacity: 0.45;
   cursor: not-allowed;
 }
 
@@ -735,20 +1008,18 @@
 .revolut-bank__panel {
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
-  border-radius: var(--rb-radius-sm);
-  box-shadow: var(--rb-shadow);
+  border-radius: var(--rb-radius);
   padding: 1.25rem;
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
 }
 
-/* M0→M4 full settlement pipeline */
+/* M0→M4 settlement pipeline */
 .zbank-settle {
-  margin-bottom: 2rem;
+  margin-bottom: 1.75rem;
   padding: 1.25rem;
-  border-radius: var(--rb-radius-sm);
+  border-radius: var(--rb-radius);
   background: var(--rb-surface);
   border: 1px solid var(--rb-border);
-  box-shadow: var(--rb-shadow);
 }
 
 .zbank-settle__pipeline {
@@ -809,30 +1080,30 @@
   padding: 0.85rem 0.75rem;
   border-radius: var(--rb-radius-sm);
   border: 1px solid var(--rb-border);
-  background: var(--rb-bg);
+  background: var(--rb-surface-elevated);
   min-height: 6.5rem;
 }
 
 .zbank-settle__layer--active {
   border-color: var(--rb-accent);
-  box-shadow: 0 0 0 2px rgba(159, 232, 112, 0.35);
+  box-shadow: 0 0 0 1px var(--rb-accent);
 }
 
 .zbank-settle__layer--done {
-  border-color: rgba(159, 232, 112, 0.6);
+  border-color: rgba(73, 79, 223, 0.45);
   background: var(--rb-accent-soft);
 }
 
 .zbank-settle__layer-id {
   font-size: 0.6875rem;
-  font-weight: 800;
+  font-weight: 700;
   letter-spacing: 0.06em;
-  color: var(--rb-accent-deep);
+  color: var(--rb-accent);
 }
 
 .zbank-settle__layer-name {
   font-size: 0.8125rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
 }
 
@@ -844,7 +1115,7 @@
 
 .zbank-settle__layer-bal {
   font-size: 0.75rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
   margin-top: 0.15rem;
 }
@@ -861,25 +1132,26 @@
   align-items: center;
   gap: 0.5rem !important;
   font-weight: 500 !important;
+  color: var(--rb-text) !important;
 }
 
 .zbank-settle__checkbox input {
   width: 1rem;
   height: 1rem;
-  accent-color: var(--rb-accent-deep);
+  accent-color: var(--rb-accent);
 }
 
 .zbank-settle__steps {
   margin-bottom: 1rem;
   padding: 0.875rem;
-  border-radius: 10px;
-  background: var(--rb-bg);
+  border-radius: var(--rb-radius-sm);
+  background: var(--rb-surface-elevated);
   border: 1px solid var(--rb-border);
 }
 
 .zbank-settle__steps-title {
   font-size: 0.8125rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
   margin: 0 0 0.5rem;
 }
@@ -905,12 +1177,12 @@
 }
 
 .zbank-settle__step-status--posted {
-  color: #0d7a4f;
+  color: var(--rb-positive);
   font-weight: 600;
 }
 
 .zbank-settle__step-status--failed {
-  color: #b91c1c;
+  color: var(--rb-negative);
   font-weight: 600;
 }
 
@@ -935,7 +1207,7 @@
   padding: 0.75rem 0.875rem;
   border-radius: var(--rb-radius-sm);
   border: 1px solid var(--rb-border);
-  background: var(--rb-surface);
+  background: var(--rb-surface-elevated);
   cursor: pointer;
   text-align: left;
 }
@@ -947,7 +1219,7 @@
 
 .zbank-settle__protocol-group-label {
   font-size: 0.8125rem;
-  font-weight: 700;
+  font-weight: 600;
   color: var(--rb-text);
 }
 
@@ -957,10 +1229,599 @@
   line-height: 1.35;
 }
 
-/* Legacy header elements — hidden when using Wise layout */
+/* POS + prepaid cards */
+.zbank-pos {
+  margin-top: 0;
+  margin-bottom: 1.75rem;
+  padding: 1.25rem;
+  border-radius: var(--rb-radius);
+  background: var(--rb-surface);
+  border: 1px solid var(--rb-border);
+}
+
+.zbank-pos__tabs {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 0.5rem;
+  margin-bottom: 1rem;
+}
+
+.zbank-pos__tab {
+  padding: 0.5rem 0.875rem;
+  border-radius: var(--rb-radius-pill);
+  border: 1px solid var(--rb-border);
+  background: var(--rb-surface-elevated);
+  color: var(--rb-muted);
+  font-size: 0.75rem;
+  font-weight: 500;
+  cursor: pointer;
+}
+
+.zbank-pos__tab--active {
+  border-color: #ffffff;
+  background: #ffffff;
+  color: #000000;
+}
+
+.zbank-pos__panel {
+  margin-bottom: 1rem;
+}
+
+.zbank-pos__hint {
+  font-size: 0.8125rem;
+  color: var(--rb-muted);
+  margin-bottom: 0.75rem;
+}
+
+.zbank-pos__pof {
+  margin-top: 1rem;
+  padding: 0.875rem;
+  border-radius: var(--rb-radius-sm);
+  border: 1px solid var(--rb-border);
+  background: var(--rb-surface-elevated);
+  font-size: 0.8125rem;
+  color: var(--rb-text);
+}
+
+.zbank-pos__meta,
+.zbank-pos__sha {
+  font-size: 0.75rem;
+  color: var(--rb-muted);
+  margin-top: 0.5rem;
+}
+
+.zbank-pos__tap {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  gap: 0.5rem;
+}
+
+.zbank-pos__cards {
+  margin-top: 1.25rem;
+}
+
+.zbank-pos__cards-title {
+  font-size: 0.875rem;
+  font-weight: 600;
+  margin-bottom: 0.5rem;
+  color: var(--rb-text);
+}
+
+.zbank-pos__cards ul {
+  list-style: none;
+  margin: 0;
+  padding: 0;
+}
+
+.zbank-pos__card-row {
+  display: flex;
+  align-items: center;
+  gap: 0.75rem;
+  padding: 0.75rem 0;
+  border-bottom: 1px solid var(--rb-border);
+}
+
+.zbank-pos__card-chip {
+  width: 2.25rem;
+  height: 1.5rem;
+  border-radius: 4px;
+  background: linear-gradient(135deg, #494fdf, #7c3aed);
+  color: #fff;
+  font-size: 0.625rem;
+  font-weight: 800;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+}
+
+.zbank-pos__card-label {
+  font-size: 0.8125rem;
+  font-weight: 600;
+  margin: 0;
+  color: var(--rb-text);
+}
+
+.zbank-pos__card-meta {
+  font-size: 0.6875rem;
+  color: var(--rb-muted);
+  margin: 0.15rem 0 0;
+}
+
+.zbank-pos__card-balance {
+  margin-left: auto;
+  font-weight: 600;
+  font-size: 0.875rem;
+  color: var(--rb-text);
+}
+
+/* Gazette */
+.revolut-bank__gazette {
+  margin-bottom: 1.75rem;
+}
+
+.revolut-bank__gazette .revolut-bank__gazette-hint {
+  font-size: 0.75rem;
+  color: var(--rb-muted);
+  margin-bottom: 0.75rem;
+  line-height: 1.5;
+}
+
+/* Legacy hidden */
 .revolut-bank__header-bar,
 .revolut-bank__brand,
 .revolut-bank__topbar,
-.revolut-bank__avatar {
+.revolut-bank__logo-mark,
+.revolut-bank__brand-block,
+.revolut-bank__greeting-label {
   display: none;
 }
+
+/* Flat transaction list on black — Revolut home */
+.revolut-bank__activity--flat {
+  background: transparent;
+  border: none;
+  border-radius: 0;
+}
+
+.revolut-bank__activity--flat .revolut-bank__activity-item {
+  padding: 0.875rem 0;
+  border-bottom: 1px solid var(--rb-border);
+}
+
+/* Widgets horizontal scroll */
+.revolut-bank__widgets {
+  margin-bottom: 1.5rem;
+}
+
+.revolut-bank__widgets-scroll {
+  display: flex;
+  gap: 0.65rem;
+  overflow-x: auto;
+  scrollbar-width: none;
+  padding-bottom: 0.25rem;
+}
+
+.revolut-bank__widgets-scroll::-webkit-scrollbar {
+  display: none;
+}
+
+.revolut-bank__widget {
+  flex: 0 0 auto;
+  min-width: 8.5rem;
+  padding: 1rem;
+  border-radius: var(--rb-radius);
+  background: var(--rb-surface);
+  border: 1px solid var(--rb-border);
+  display: flex;
+  flex-direction: column;
+  gap: 0.35rem;
+  text-decoration: none;
+  color: var(--rb-text);
+  cursor: pointer;
+  text-align: left;
+}
+
+.revolut-bank__widget-label {
+  font-size: 0.875rem;
+  font-weight: 600;
+}
+
+.revolut-bank__widget-desc {
+  font-size: 0.6875rem;
+  color: var(--rb-muted);
+}
+
+.revolut-bank__widget--teal { border-color: rgba(0, 168, 126, 0.25); }
+.revolut-bank__widget--violet { border-color: rgba(73, 79, 223, 0.35); }
+.revolut-bank__widget--orange { border-color: rgba(236, 126, 0, 0.25); }
+.revolut-bank__widget--grey { border-color: var(--rb-border); }
+
+/* Tab screens */
+.revolut-bank__tab-screen {
+  padding-top: env(safe-area-inset-top, 0);
+}
+
+.revolut-bank__tab-header {
+  margin-bottom: 1.25rem;
+}
+
+.revolut-bank__tab-header h1 {
+  font-size: 1.75rem;
+  font-weight: 600;
+  letter-spacing: -0.03em;
+  margin: 0;
+  color: var(--rb-text);
+}
+
+.revolut-bank__tab-sub {
+  font-size: 0.875rem;
+  color: var(--rb-muted);
+  margin: 0.35rem 0 0;
+}
+
+.revolut-bank__services--hub {
+  grid-template-columns: repeat(2, 1fr);
+}
+
+/* Profile — More tab */
+.revolut-bank__profile-card {
+  display: flex;
+  align-items: center;
+  gap: 1rem;
+  padding: 1.25rem;
+  border-radius: var(--rb-radius);
+  background: var(--rb-surface);
+  border: 1px solid var(--rb-border);
+  margin-bottom: 1rem;
+}
+
+.revolut-bank__avatar--lg {
+  width: 3.5rem;
+  height: 3.5rem;
+  font-size: 1rem;
+}
+
+.revolut-bank__profile-name {
+  font-size: 1.0625rem;
+  font-weight: 600;
+  margin: 0;
+  color: var(--rb-text);
+}
+
+.revolut-bank__profile-meta {
+  font-size: 0.8125rem;
+  color: var(--rb-muted);
+  margin: 0.2rem 0 0;
+}
+
+.revolut-bank__wallet-row {
+  margin-bottom: 1.25rem;
+}
+
+/* Revolut bottom tab bar */
+.revolut-tab-bar {
+  position: fixed;
+  left: 0;
+  right: 0;
+  bottom: 0;
+  z-index: 80;
+  display: flex;
+  justify-content: space-around;
+  align-items: stretch;
+  min-height: 3.75rem;
+  padding-bottom: env(safe-area-inset-bottom, 0);
+  background: #000000;
+  border-top: 1px solid var(--rb-border);
+}
+
+.revolut-tab-bar__item {
+  flex: 1;
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  gap: 0.2rem;
+  padding: 0.45rem 0.25rem;
+  border: none;
+  background: transparent;
+  color: var(--rb-muted);
+  font-size: 0.625rem;
+  font-weight: 500;
+  letter-spacing: 0.02em;
+  cursor: pointer;
+  touch-action: manipulation;
+}
+
+.revolut-tab-bar__item--active {
+  color: #ffffff;
+}
+
+.revolut-tab-bar__item:active {
+  opacity: 0.7;
+}
+
+@media (min-width: 768px) {
+  .revolut-tab-bar {
+    max-width: 430px;
+    left: 50%;
+    transform: translateX(-50%);
+    border-radius: var(--rb-radius-lg) var(--rb-radius-lg) 0 0;
+    border-left: 1px solid var(--rb-border);
+    border-right: 1px solid var(--rb-border);
+  }
+}
+
+/* Account details bottom sheet */
+.revolut-bank__sheet-backdrop {
+  position: fixed;
+  inset: 0;
+  z-index: 90;
+  background: rgba(0, 0, 0, 0.65);
+  display: flex;
+  align-items: flex-end;
+  justify-content: center;
+}
+
+.revolut-bank__sheet {
+  width: 100%;
+  max-width: 430px;
+  max-height: 85vh;
+  overflow-y: auto;
+  background: var(--rb-surface);
+  border-radius: var(--rb-radius-lg) var(--rb-radius-lg) 0 0;
+  padding: 1rem 1.25rem calc(1.5rem + env(safe-area-inset-bottom, 0));
+  border-top: 1px solid var(--rb-border);
+}
+
+.revolut-bank__sheet-handle {
+  width: 2.5rem;
+  height: 0.25rem;
+  border-radius: var(--rb-radius-pill);
+  background: var(--rb-border-strong);
+  margin: 0 auto 1rem;
+}
+
+.revolut-bank__sheet-title {
+  font-size: 1.25rem;
+  font-weight: 600;
+  margin: 0 0 0.35rem;
+  letter-spacing: -0.02em;
+}
+
+.revolut-bank__sheet-hint {
+  font-size: 0.8125rem;
+  color: var(--rb-muted);
+  margin: 0 0 1rem;
+  line-height: 1.45;
+}
+
+.revolut-bank__detail-list {
+  margin: 0 0 1.25rem;
+}
+
+.revolut-bank__detail-list--inline {
+  background: var(--rb-surface-elevated);
+  border-radius: var(--rb-radius);
+  border: 1px solid var(--rb-border);
+  padding: 0.5rem 1rem;
+}
+
+.revolut-bank__detail-row {
+  display: flex;
+  flex-direction: column;
+  gap: 0.2rem;
+  padding: 0.65rem 0;
+  border-bottom: 1px solid var(--rb-border);
+}
+
+.revolut-bank__detail-row:last-child {
+  border-bottom: none;
+}
+
+.revolut-bank__detail-row dt {
+  font-size: 0.6875rem;
+  font-weight: 500;
+  color: var(--rb-muted);
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+}
+
+.revolut-bank__detail-row dd {
+  margin: 0;
+  font-size: 0.9375rem;
+  font-weight: 500;
+  color: var(--rb-text);
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 0.5rem;
+  word-break: break-all;
+}
+
+.revolut-bank__copy-btn {
+  flex-shrink: 0;
+  border: none;
+  background: var(--rb-accent-soft);
+  color: var(--rb-accent);
+  font-size: 0.75rem;
+  font-weight: 600;
+  padding: 0.35rem 0.65rem;
+  border-radius: var(--rb-radius-pill);
+  cursor: pointer;
+}
+
+.revolut-bank__virtual-card-badge {
+  position: absolute;
+  top: 1rem;
+  right: 1rem;
+  z-index: 2;
+  font-size: 0.625rem;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.08em;
+  padding: 0.25rem 0.5rem;
+  border-radius: var(--rb-radius-pill);
+  background: rgba(0, 0, 0, 0.35);
+}
+
+.revolut-bank__activity-amount--failed {
+  color: var(--rb-negative);
+}
+
+.revolut-bank__limits {
+  margin-bottom: 1.25rem;
+}
+
+.revolut-bank__limits-grid {
+  display: flex;
+  flex-direction: column;
+  gap: 0.75rem;
+  padding: 1rem;
+  border-radius: var(--rb-radius);
+  background: var(--rb-surface);
+  border: 1px solid var(--rb-border);
+}
+
+.revolut-bank__limit-row {
+  display: flex;
+  flex-direction: column;
+  gap: 0.35rem;
+}
+
+.revolut-bank__limit-head {
+  display: flex;
+  justify-content: space-between;
+  font-size: 0.8125rem;
+  color: var(--rb-muted);
+}
+
+.revolut-bank__limit-bar {
+  height: 0.25rem;
+  border-radius: var(--rb-radius-pill);
+  background: var(--rb-surface-elevated);
+  overflow: hidden;
+}
+
+.revolut-bank__limit-bar span {
+  display: block;
+  height: 100%;
+  background: var(--rb-accent);
+  border-radius: inherit;
+}
+
+.revolut-bank__profile-details {
+  margin-bottom: 1.25rem;
+}
+
+/* ── Secure portal login (Revolut-style) ── */
+.revolut-login {
+  min-height: 100dvh;
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 2rem 1.5rem;
+  background: #000;
+  color: #fff;
+  font-family: Inter, system-ui, sans-serif;
+}
+
+.revolut-login--loading {
+  justify-content: center;
+  color: #8d969e;
+}
+
+.revolut-login__brand {
+  text-align: center;
+  margin-bottom: 2.5rem;
+}
+
+.revolut-login__logo {
+  width: 4rem;
+  height: 4rem;
+  margin: 0 auto 1rem;
+  border-radius: 1rem;
+  background: linear-gradient(135deg, #494fdf, #6b71ff);
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  font-size: 1.75rem;
+  font-weight: 700;
+}
+
+.revolut-login__brand h1 {
+  font-size: 1.5rem;
+  font-weight: 600;
+  margin: 0 0 0.5rem;
+}
+
+.revolut-login__brand p {
+  margin: 0;
+  color: #8d969e;
+  font-size: 0.9375rem;
+}
+
+.revolut-login__form {
+  width: 100%;
+  max-width: 22rem;
+  display: flex;
+  flex-direction: column;
+  gap: 1rem;
+}
+
+.revolut-login__field {
+  display: flex;
+  flex-direction: column;
+  gap: 0.375rem;
+}
+
+.revolut-login__field span {
+  font-size: 0.8125rem;
+  color: #8d969e;
+}
+
+.revolut-login__field input {
+  background: #16181a;
+  border: 1px solid #232628;
+  border-radius: 0.75rem;
+  padding: 0.875rem 1rem;
+  color: #fff;
+  font-size: 1rem;
+}
+
+.revolut-login__field input:focus {
+  outline: none;
+  border-color: #494fdf;
+}
+
+.revolut-login__error {
+  color: #ff6b6b;
+  font-size: 0.875rem;
+  margin: 0;
+}
+
+.revolut-login__submit {
+  margin-top: 0.5rem;
+  background: #494fdf;
+  color: #fff;
+  border: none;
+  border-radius: 999px;
+  padding: 0.9375rem 1.25rem;
+  font-size: 1rem;
+  font-weight: 600;
+  cursor: pointer;
+}
+
+.revolut-login__submit:disabled {
+  opacity: 0.6;
+  cursor: not-allowed;
+}
+
+.revolut-login__footer {
+  margin-top: 2rem;
+  font-size: 0.75rem;
+  color: #8d969e;
+  text-align: center;
+  max-width: 18rem;
+}
diff --git a/packages/settlement-core/dist/bridge-validation.d.ts b/packages/settlement-core/dist/bridge-validation.d.ts
new file mode 100644
index 0000000..da77e39
--- /dev/null
+++ b/packages/settlement-core/dist/bridge-validation.d.ts
@@ -0,0 +1,11 @@
+import type { SettlementBridgeRail } from './types';
+/** CCIP WETH9 bridge destinations supported from chain 138 (Phase 1). */
+export declare const CCIP_WETH9_DESTINATION_CHAIN_IDS: readonly [1];
+/** Token line IDs eligible for CCIP WETH9 bridge to mainnet (Phase 1). */
+export declare const CCIP_WETH9_TOKEN_LINES: Set<string>;
+export declare function resolveBridgeRail(targetChainId: number, tokenLineId: string, explicit?: SettlementBridgeRail): SettlementBridgeRail | null;
+export declare function isCcipWeth9TokenLine(tokenLineId: string): boolean;
+export declare function assertBridgeDestinationAllowed(sourceChainId: number, destChainId: number, tokenLineId: string, bridgeRail?: SettlementBridgeRail): {
+    bridgeRail: SettlementBridgeRail;
+    mintChainId: number;
+};
diff --git a/packages/settlement-core/dist/bridge-validation.js b/packages/settlement-core/dist/bridge-validation.js
new file mode 100644
index 0000000..ce066c8
--- /dev/null
+++ b/packages/settlement-core/dist/bridge-validation.js
@@ -0,0 +1,67 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.CCIP_WETH9_TOKEN_LINES = exports.CCIP_WETH9_DESTINATION_CHAIN_IDS = void 0;
+exports.resolveBridgeRail = resolveBridgeRail;
+exports.isCcipWeth9TokenLine = isCcipWeth9TokenLine;
+exports.assertBridgeDestinationAllowed = assertBridgeDestinationAllowed;
+const chain_registry_1 = require("./chain-registry");
+/** CCIP WETH9 bridge destinations supported from chain 138 (Phase 1). */
+exports.CCIP_WETH9_DESTINATION_CHAIN_IDS = [1];
+/** Token line IDs eligible for CCIP WETH9 bridge to mainnet (Phase 1). */
+exports.CCIP_WETH9_TOKEN_LINES = new Set(['ETH-M2', 'WETH-M2']);
+const WETH_LINE_SYMBOLS = new Set(['ETH', 'WETH', 'WETH9', 'WETH10']);
+function resolveBridgeRail(targetChainId, tokenLineId, explicit) {
+    if (targetChainId === 138)
+        return null;
+    if (explicit)
+        return explicit;
+    if (targetChainId === 1 && isCcipWeth9TokenLine(tokenLineId)) {
+        return 'ccip-weth9';
+    }
+    if (targetChainId === 1) {
+        return 'trustless-lockbox';
+    }
+    return null;
+}
+function isCcipWeth9TokenLine(tokenLineId) {
+    const normalized = tokenLineId.toUpperCase();
+    if (exports.CCIP_WETH9_TOKEN_LINES.has(normalized))
+        return true;
+    const base = normalized.split('-')[0];
+    return WETH_LINE_SYMBOLS.has(base);
+}
+function assertBridgeDestinationAllowed(sourceChainId, destChainId, tokenLineId, bridgeRail) {
+    const registry = (0, chain_registry_1.loadOmnlChainRegistry)();
+    if (sourceChainId !== registry.primaryChainId) {
+        throw new Error(`Bridge source must be primary hub chain ${registry.primaryChainId}, got ${sourceChainId}`);
+    }
+    const dest = (0, chain_registry_1.getChainById)(destChainId);
+    if (!dest || dest.status !== 'active') {
+        throw new Error(`Bridge destination chain ${destChainId} is not active in OMNL registry`);
+    }
+    const hub = (0, chain_registry_1.getChainById)(sourceChainId);
+    if (hub?.settlement.bridgeDestinations && !hub.settlement.bridgeDestinations.includes(destChainId)) {
+        throw new Error(`Chain ${destChainId} is not in hub ${sourceChainId} bridgeDestinations`);
+    }
+    if (destChainId === sourceChainId) {
+        throw new Error('Bridge destination must differ from mint chain');
+    }
+    const rail = resolveBridgeRail(destChainId, tokenLineId, bridgeRail);
+    if (!rail) {
+        throw new Error(`No settlement bridge rail configured for chain ${destChainId} and line ${tokenLineId}`);
+    }
+    if (rail === 'ccip-weth9') {
+        if (!exports.CCIP_WETH9_DESTINATION_CHAIN_IDS.includes(destChainId)) {
+            throw new Error(`CCIP WETH9 bridge does not support destination chain ${destChainId}`);
+        }
+        if (!isCcipWeth9TokenLine(tokenLineId)) {
+            throw new Error(`Token line ${tokenLineId} is not eligible for CCIP WETH9 bridge (Phase 1); use trustless-lockbox (Phase 2)`);
+        }
+    }
+    if (rail === 'trustless-lockbox') {
+        if (destChainId !== 1) {
+            throw new Error(`Trustless lockbox bridge only supports destination chain 1, got ${destChainId}`);
+        }
+    }
+    return { bridgeRail: rail, mintChainId: sourceChainId };
+}
diff --git a/packages/settlement-core/dist/chain-registry.d.ts b/packages/settlement-core/dist/chain-registry.d.ts
index c9a4239..1c95f2c 100644
--- a/packages/settlement-core/dist/chain-registry.d.ts
+++ b/packages/settlement-core/dist/chain-registry.d.ts
@@ -13,6 +13,7 @@ export type OmnlChainEntry = {
         m2LoadEnabled: boolean;
         swapEnabled: boolean;
         bridgeEnabled: boolean;
+        bridgeDestinations?: number[];
         officeId: number;
     };
     complianceEnv?: string;
diff --git a/packages/settlement-core/dist/index.d.ts b/packages/settlement-core/dist/index.d.ts
index e31b7fa..baf0cd5 100644
--- a/packages/settlement-core/dist/index.d.ts
+++ b/packages/settlement-core/dist/index.d.ts
@@ -5,3 +5,4 @@ export * from './verbiage';
 export * from './state-machine';
 export * from './m2-token-registry';
 export * from './chain-registry';
+export * from './bridge-validation';
diff --git a/packages/settlement-core/dist/index.js b/packages/settlement-core/dist/index.js
index 519b4d9..fa1de14 100644
--- a/packages/settlement-core/dist/index.js
+++ b/packages/settlement-core/dist/index.js
@@ -21,3 +21,4 @@ __exportStar(require("./verbiage"), exports);
 __exportStar(require("./state-machine"), exports);
 __exportStar(require("./m2-token-registry"), exports);
 __exportStar(require("./chain-registry"), exports);
+__exportStar(require("./bridge-validation"), exports);
diff --git a/packages/settlement-core/dist/state-machine.js b/packages/settlement-core/dist/state-machine.js
index 37a08e0..b387a95 100644
--- a/packages/settlement-core/dist/state-machine.js
+++ b/packages/settlement-core/dist/state-machine.js
@@ -10,6 +10,8 @@ const ORDER = [
     'HYBX_RAIL_DISPATCHED',
     'ISO20022_ARCHIVED',
     'CHAIN_MINT_REQUESTED',
+    'CHAIN_BRIDGE_REQUESTED',
+    'CHAIN_BRIDGE_PENDING',
     'SETTLED',
 ];
 function nextPhase(current) {
diff --git a/packages/settlement-core/dist/types.d.ts b/packages/settlement-core/dist/types.d.ts
index 5fb70f6..eaf61a2 100644
--- a/packages/settlement-core/dist/types.d.ts
+++ b/packages/settlement-core/dist/types.d.ts
@@ -3,7 +3,8 @@ export type MoneyLayer = 'M0' | 'M1' | 'M2' | 'M3' | 'M4' | 'M00';
 export type PaymentRail = 'SWIFT' | 'SEPA' | 'TARGET2' | 'RTGS' | 'ACH' | 'FEDWIRE' | 'INTERNAL' | 'CHAIN138';
 export type TradeFinanceInstrument = 'SBLC' | 'DLC' | 'BG' | 'LS';
 export type SwiftMessageKind = 'MT103' | 'MT102' | 'MT202' | 'MT910';
-export type SettlementPhase = 'RECEIVED' | 'VALIDATED' | 'VERBIAGE_ROLLED' | 'FINERACT_POSTED' | 'HYBX_RAIL_DISPATCHED' | 'ISO20022_ARCHIVED' | 'CHAIN_MINT_REQUESTED' | 'SETTLED' | 'FAILED';
+export type SettlementBridgeRail = 'ccip-weth9' | 'trustless-lockbox';
+export type SettlementPhase = 'RECEIVED' | 'VALIDATED' | 'VERBIAGE_ROLLED' | 'FINERACT_POSTED' | 'HYBX_RAIL_DISPATCHED' | 'ISO20022_ARCHIVED' | 'CHAIN_MINT_REQUESTED' | 'CHAIN_BRIDGE_REQUESTED' | 'CHAIN_BRIDGE_PENDING' | 'SETTLED' | 'FAILED';
 export type ExternalTransferRequest = {
     idempotencyKey: string;
     officeId: number;
@@ -34,6 +35,7 @@ export type ExternalTransferRequest = {
         targetChainId: number;
         tokenLineId: string;
         recipientAddress: string;
+        bridgeRail?: SettlementBridgeRail;
     };
 };
 export type TokenLoadRequest = {
@@ -45,6 +47,7 @@ export type TokenLoadRequest = {
     amount: string;
     recipientAddress: string;
     currency?: string;
+    targetChainId?: number;
 };
 export type TransferRequest = {
     idempotencyKey: string;
@@ -83,6 +86,7 @@ export type ZBankM0M4Request = {
     /** When set, M2→M3 hop posts GL + requests Chain 138 mint */
     recipientAddress?: string;
     tokenLineId?: string;
+    targetChainId?: number;
 };
 export type SettlementRecord = {
     settlementId: string;
@@ -93,6 +97,11 @@ export type SettlementRecord = {
     hybxPaymentId?: string;
     iso20022MessageId?: string;
     chainTxHash?: string;
+    mintChainId?: number;
+    destinationChainId?: number;
+    bridgeTxHash?: string;
+    bridgeMessageId?: string;
+    mainnetTxHash?: string;
     verbiageDocument?: string;
     layerSteps?: ZBankLayerStep[];
     errors: string[];
@@ -132,3 +141,50 @@ export type MoneySupplySnapshot = {
         inFlightSwift: string;
     };
 };
+export type ZBankCardLoadRequest = {
+    idempotencyKey: string;
+    officeId?: number;
+    cardProductId: string;
+    amount: string;
+    currency?: string;
+    cardholderName?: string;
+    /** Last 4 digits for display; full PAN not stored */
+    cardLast4?: string;
+};
+export type ZBankPosSaleRequest = {
+    idempotencyKey: string;
+    officeId?: number;
+    cardId: string;
+    terminalId: string;
+    amount: string;
+    currency?: string;
+    merchantReference?: string;
+};
+export type ZBankPrepaidCard = {
+    cardId: string;
+    productId: string;
+    productLabel: string;
+    officeId: number;
+    cardholderName: string;
+    cardLast4: string;
+    currency: string;
+    balance: string;
+    status: 'active' | 'blocked';
+    createdAt: string;
+    updatedAt: string;
+    lastLoadAt?: string;
+    lastSaleAt?: string;
+};
+export type ZBankPosSaleRecord = {
+    saleId: string;
+    idempotencyKey: string;
+    cardId: string;
+    terminalId: string;
+    merchantName: string;
+    amount: string;
+    currency: string;
+    fineractJournalRef?: string;
+    status: 'approved' | 'declined';
+    declineReason?: string;
+    createdAt: string;
+};
diff --git a/packages/settlement-core/dist/verbiage.js b/packages/settlement-core/dist/verbiage.js
index d29d60a..50249c3 100644
--- a/packages/settlement-core/dist/verbiage.js
+++ b/packages/settlement-core/dist/verbiage.js
@@ -33,6 +33,10 @@ function rollExternalTransferVerbiage(req) {
     }
     if (req.convertToCrypto?.enabled) {
         lines.push(`Post-settlement crypto conversion: chain ${req.convertToCrypto.targetChainId} → ${req.convertToCrypto.recipientAddress}`);
+        if (req.convertToCrypto.targetChainId !== 138) {
+            const rail = req.convertToCrypto.bridgeRail ?? 'ccip-weth9';
+            lines.push(`Cross-chain bridge: mint on chain 138 → bridge operator custody → ${rail} → chain ${req.convertToCrypto.targetChainId}`);
+        }
     }
     lines.push('', 'DISCLAIMER: Internal OMNL operator verbiage — not SWIFT NET transmission.', 'Fineract SoR + ISO 20022 archive bind settlement finality.');
     return lines.join('\n');
diff --git a/packages/settlement-core/pnpm-lock.yaml b/packages/settlement-core/pnpm-lock.yaml
new file mode 100644
index 0000000..d0c445f
--- /dev/null
+++ b/packages/settlement-core/pnpm-lock.yaml
@@ -0,0 +1,39 @@
+lockfileVersion: '9.0'
+
+settings:
+  autoInstallPeers: true
+  excludeLinksFromLockfile: false
+
+importers:
+
+  .:
+    devDependencies:
+      '@types/node':
+        specifier: ^20.11.0
+        version: 20.19.43
+      typescript:
+        specifier: ^5.4.0
+        version: 5.9.3
+
+packages:
+
+  '@types/node@20.19.43':
+    resolution: {integrity: sha512-6oYBAi5ikg4Pl+kGsoYtawUMBT2zZMCvPNF7pVLnHZfd1zf38DRiWn/gT01RYCdUqkv7Fhr+C9ot4/tb+2sVvA==}
+
+  typescript@5.9.3:
+    resolution: {integrity: sha512-jl1vZzPDinLr9eUt3J/t7V6FgNEw9QjvBPdysz9KfQDD41fQrC2Y4vKQdiaUpFT4bXlb1RHhLpp8wtm6M5TgSw==}
+    engines: {node: '>=14.17'}
+    hasBin: true
+
+  undici-types@6.21.0:
+    resolution: {integrity: sha512-iwDZqg0QAGrg9Rav5H4n0M64c3mkR59cJ6wQp+7C4nI0gsmExaedaYLNO44eT4AtBBwjbTiGPMlt2Md0T9H9JQ==}
+
+snapshots:
+
+  '@types/node@20.19.43':
+    dependencies:
+      undici-types: 6.21.0
+
+  typescript@5.9.3: {}
+
+  undici-types@6.21.0: {}
diff --git a/packages/settlement-core/src/bridge-validation.ts b/packages/settlement-core/src/bridge-validation.ts
new file mode 100644
index 0000000..1236ffc
--- /dev/null
+++ b/packages/settlement-core/src/bridge-validation.ts
@@ -0,0 +1,83 @@
+import type { SettlementBridgeRail } from './types';
+import { getChainById, loadOmnlChainRegistry } from './chain-registry';
+
+/** CCIP WETH9 bridge destinations supported from chain 138 (Phase 1). */
+export const CCIP_WETH9_DESTINATION_CHAIN_IDS = [1] as const;
+
+/** Token line IDs eligible for CCIP WETH9 bridge to mainnet (Phase 1). */
+export const CCIP_WETH9_TOKEN_LINES = new Set(['ETH-M2', 'WETH-M2']);
+
+const WETH_LINE_SYMBOLS = new Set(['ETH', 'WETH', 'WETH9', 'WETH10']);
+
+export function resolveBridgeRail(
+  targetChainId: number,
+  tokenLineId: string,
+  explicit?: SettlementBridgeRail,
+): SettlementBridgeRail | null {
+  if (targetChainId === 138) return null;
+  if (explicit) return explicit;
+  if (targetChainId === 1 && isCcipWeth9TokenLine(tokenLineId)) {
+    return 'ccip-weth9';
+  }
+  if (targetChainId === 1) {
+    return 'trustless-lockbox';
+  }
+  return null;
+}
+
+export function isCcipWeth9TokenLine(tokenLineId: string): boolean {
+  const normalized = tokenLineId.toUpperCase();
+  if (CCIP_WETH9_TOKEN_LINES.has(normalized)) return true;
+  const base = normalized.split('-')[0];
+  return WETH_LINE_SYMBOLS.has(base);
+}
+
+export function assertBridgeDestinationAllowed(
+  sourceChainId: number,
+  destChainId: number,
+  tokenLineId: string,
+  bridgeRail?: SettlementBridgeRail,
+): { bridgeRail: SettlementBridgeRail; mintChainId: number } {
+  const registry = loadOmnlChainRegistry();
+  if (sourceChainId !== registry.primaryChainId) {
+    throw new Error(`Bridge source must be primary hub chain ${registry.primaryChainId}, got ${sourceChainId}`);
+  }
+
+  const dest = getChainById(destChainId);
+  if (!dest || dest.status !== 'active') {
+    throw new Error(`Bridge destination chain ${destChainId} is not active in OMNL registry`);
+  }
+
+  const hub = getChainById(sourceChainId);
+  if (hub?.settlement.bridgeDestinations && !hub.settlement.bridgeDestinations.includes(destChainId)) {
+    throw new Error(`Chain ${destChainId} is not in hub ${sourceChainId} bridgeDestinations`);
+  }
+
+  if (destChainId === sourceChainId) {
+    throw new Error('Bridge destination must differ from mint chain');
+  }
+
+  const rail = resolveBridgeRail(destChainId, tokenLineId, bridgeRail);
+  if (!rail) {
+    throw new Error(`No settlement bridge rail configured for chain ${destChainId} and line ${tokenLineId}`);
+  }
+
+  if (rail === 'ccip-weth9') {
+    if (!(CCIP_WETH9_DESTINATION_CHAIN_IDS as readonly number[]).includes(destChainId)) {
+      throw new Error(`CCIP WETH9 bridge does not support destination chain ${destChainId}`);
+    }
+    if (!isCcipWeth9TokenLine(tokenLineId)) {
+      throw new Error(
+        `Token line ${tokenLineId} is not eligible for CCIP WETH9 bridge (Phase 1); use trustless-lockbox (Phase 2)`,
+      );
+    }
+  }
+
+  if (rail === 'trustless-lockbox') {
+    if (destChainId !== 1) {
+      throw new Error(`Trustless lockbox bridge only supports destination chain 1, got ${destChainId}`);
+    }
+  }
+
+  return { bridgeRail: rail, mintChainId: sourceChainId };
+}
diff --git a/packages/settlement-core/src/chain-registry.ts b/packages/settlement-core/src/chain-registry.ts
index c8f558b..f2afa0d 100644
--- a/packages/settlement-core/src/chain-registry.ts
+++ b/packages/settlement-core/src/chain-registry.ts
@@ -16,6 +16,7 @@ export type OmnlChainEntry = {
     m2LoadEnabled: boolean;
     swapEnabled: boolean;
     bridgeEnabled: boolean;
+    bridgeDestinations?: number[];
     officeId: number;
   };
   complianceEnv?: string;
diff --git a/packages/settlement-core/src/index.ts b/packages/settlement-core/src/index.ts
index e31b7fa..baf0cd5 100644
--- a/packages/settlement-core/src/index.ts
+++ b/packages/settlement-core/src/index.ts
@@ -5,3 +5,4 @@ export * from './verbiage';
 export * from './state-machine';
 export * from './m2-token-registry';
 export * from './chain-registry';
+export * from './bridge-validation';
diff --git a/packages/settlement-core/src/state-machine.ts b/packages/settlement-core/src/state-machine.ts
index 9908e95..5fa67cb 100644
--- a/packages/settlement-core/src/state-machine.ts
+++ b/packages/settlement-core/src/state-machine.ts
@@ -8,6 +8,8 @@ const ORDER: SettlementPhase[] = [
   'HYBX_RAIL_DISPATCHED',
   'ISO20022_ARCHIVED',
   'CHAIN_MINT_REQUESTED',
+  'CHAIN_BRIDGE_REQUESTED',
+  'CHAIN_BRIDGE_PENDING',
   'SETTLED',
 ];
 
diff --git a/packages/settlement-core/src/types.ts b/packages/settlement-core/src/types.ts
index a1a131e..a142b32 100644
--- a/packages/settlement-core/src/types.ts
+++ b/packages/settlement-core/src/types.ts
@@ -16,6 +16,8 @@ export type TradeFinanceInstrument = 'SBLC' | 'DLC' | 'BG' | 'LS';
 
 export type SwiftMessageKind = 'MT103' | 'MT102' | 'MT202' | 'MT910';
 
+export type SettlementBridgeRail = 'ccip-weth9' | 'trustless-lockbox';
+
 export type SettlementPhase =
   | 'RECEIVED'
   | 'VALIDATED'
@@ -24,6 +26,8 @@ export type SettlementPhase =
   | 'HYBX_RAIL_DISPATCHED'
   | 'ISO20022_ARCHIVED'
   | 'CHAIN_MINT_REQUESTED'
+  | 'CHAIN_BRIDGE_REQUESTED'
+  | 'CHAIN_BRIDGE_PENDING'
   | 'SETTLED'
   | 'FAILED';
 
@@ -57,6 +61,7 @@ export type ExternalTransferRequest = {
     targetChainId: number;
     tokenLineId: string;
     recipientAddress: string;
+    bridgeRail?: SettlementBridgeRail;
   };
 };
 
@@ -69,6 +74,7 @@ export type TokenLoadRequest = {
   amount: string;
   recipientAddress: string;
   currency?: string;
+  targetChainId?: number;
 };
 
 export type TransferRequest = {
@@ -110,6 +116,7 @@ export type ZBankM0M4Request = {
   /** When set, M2→M3 hop posts GL + requests Chain 138 mint */
   recipientAddress?: string;
   tokenLineId?: string;
+  targetChainId?: number;
 };
 
 export type SettlementRecord = {
@@ -121,6 +128,11 @@ export type SettlementRecord = {
   hybxPaymentId?: string;
   iso20022MessageId?: string;
   chainTxHash?: string;
+  mintChainId?: number;
+  destinationChainId?: number;
+  bridgeTxHash?: string;
+  bridgeMessageId?: string;
+  mainnetTxHash?: string;
   verbiageDocument?: string;
   layerSteps?: ZBankLayerStep[];
   errors: string[];
@@ -138,3 +150,54 @@ export type MoneySupplySnapshot = {
   M4: { nearMoney: string; gl1000: string; glContingent: string; inFlightSwift: string };
   metaFiatRealRail: { pendingSettlement: string; inFlightSwift: string };
 };
+
+export type ZBankCardLoadRequest = {
+  idempotencyKey: string;
+  officeId?: number;
+  cardProductId: string;
+  amount: string;
+  currency?: string;
+  cardholderName?: string;
+  /** Last 4 digits for display; full PAN not stored */
+  cardLast4?: string;
+};
+
+export type ZBankPosSaleRequest = {
+  idempotencyKey: string;
+  officeId?: number;
+  cardId: string;
+  terminalId: string;
+  amount: string;
+  currency?: string;
+  merchantReference?: string;
+};
+
+export type ZBankPrepaidCard = {
+  cardId: string;
+  productId: string;
+  productLabel: string;
+  officeId: number;
+  cardholderName: string;
+  cardLast4: string;
+  currency: string;
+  balance: string;
+  status: 'active' | 'blocked';
+  createdAt: string;
+  updatedAt: string;
+  lastLoadAt?: string;
+  lastSaleAt?: string;
+};
+
+export type ZBankPosSaleRecord = {
+  saleId: string;
+  idempotencyKey: string;
+  cardId: string;
+  terminalId: string;
+  merchantName: string;
+  amount: string;
+  currency: string;
+  fineractJournalRef?: string;
+  status: 'approved' | 'declined';
+  declineReason?: string;
+  createdAt: string;
+};
diff --git a/packages/settlement-core/src/verbiage.ts b/packages/settlement-core/src/verbiage.ts
index 9fe22eb..b3e4149 100644
--- a/packages/settlement-core/src/verbiage.ts
+++ b/packages/settlement-core/src/verbiage.ts
@@ -31,6 +31,12 @@ export function rollExternalTransferVerbiage(req: ExternalTransferRequest): stri
     lines.push(
       `Post-settlement crypto conversion: chain ${req.convertToCrypto.targetChainId} → ${req.convertToCrypto.recipientAddress}`,
     );
+    if (req.convertToCrypto.targetChainId !== 138) {
+      const rail = req.convertToCrypto.bridgeRail ?? 'ccip-weth9';
+      lines.push(
+        `Cross-chain bridge: mint on chain 138 → bridge operator custody → ${rail} → chain ${req.convertToCrypto.targetChainId}`,
+      );
+    }
   }
   lines.push(
     '',
diff --git a/scripts/deployment/build-portal-lxc-env-fragment.sh b/scripts/deployment/build-portal-lxc-env-fragment.sh
index 634596d..fc956f0 100755
--- a/scripts/deployment/build-portal-lxc-env-fragment.sh
+++ b/scripts/deployment/build-portal-lxc-env-fragment.sh
@@ -18,7 +18,7 @@ source "$ENV_FILE"
 set -u
 set +a
 
-grep -E '^(OMNL_FINERACT_|OMNL_PUBLIC_MONEY_SUPPLY=|OMNL_REQUIRE_API_KEY=|OMNL_CUSTOMER_SECURITY_PRODUCTION=|OMNL_CUSTOMER_API_KEYS=|OFFICE24_OPENING_M1_USD=|OMNL_PORTAL_INTERNAL_SECRET=|JWT_SECRET=|DATABASE_URL=|RPC_URL_138=|CHAIN_138_RPC_URL=|SETTLEMENT_ALLOW_CHAIN_MINT_EXECUTE=|SETTLEMENT_ALLOW_HYBX_PRODUCTION=|OMNL_ALLOW_CHAIN_MINT_EXECUTE=|OMNL_MINT_OPERATOR_PRIVATE_KEY=|TOKEN_AGGREGATION_URL=|SWIFT_LISTENER_URL=|HYBX_MIFOS_FINERACT_SIDECAR_URL=|INFURA_PROJECT_ID=|INFURA_PROJECT_SECRET=)' "$ENV_FILE" || true
+grep -E '^(OMNL_FINERACT_|OMNL_PUBLIC_MONEY_SUPPLY=|OMNL_REQUIRE_API_KEY=|OMNL_CUSTOMER_SECURITY_PRODUCTION=|OMNL_CUSTOMER_API_KEYS=|OFFICE24_OPENING_M1_USD=|OMNL_PORTAL_INTERNAL_SECRET=|JWT_SECRET=|DATABASE_URL=|RPC_URL_138=|CHAIN_138_RPC_URL=|SETTLEMENT_ALLOW_CHAIN_MINT_EXECUTE=|SETTLEMENT_ALLOW_HYBX_PRODUCTION=|OMNL_ALLOW_CHAIN_MINT_EXECUTE=|OMNL_MINT_OPERATOR_PRIVATE_KEY=|TOKEN_AGGREGATION_URL=|SWIFT_LISTENER_URL=|HYBX_MIFOS_FINERACT_SIDECAR_URL=|INFURA_PROJECT_ID=|INFURA_PROJECT_SECRET=|ZBANK_PORTAL_AUTH_CONFIG=|ZBANK_PORTAL_SESSION_SECRET=|ZBANK_PORTAL_PASSCODE=|ZBANK_PORTAL_REQUIRE_AUTH=|ZBANK_CONSUMER_CONFIG=)' "$ENV_FILE" || true
 
 for key in OMNL_SUPER_ADMIN_OFFICE24_KEY OMNL_SUPER_ADMIN_EXCHANGE_KEY OMNL_SUPER_ADMIN_SECURE_KEY OMNL_SUPER_ADMIN_FOREX_KEY; do
   val="${!key:-}"
diff --git a/services/settlement-middleware/dist/adapters/bridge.js b/services/settlement-middleware/dist/adapters/bridge.js
new file mode 100644
index 0000000..240643e
--- /dev/null
+++ b/services/settlement-middleware/dist/adapters/bridge.js
@@ -0,0 +1,41 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.requestChainBridge = requestChainBridge;
+const axios_1 = __importDefault(require("axios"));
+async function requestChainBridge(payload) {
+    const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+    const key = process.env.OMNL_API_KEY || '';
+    const headers = { 'Content-Type': 'application/json' };
+    if (key)
+        headers.Authorization = `Bearer ${key}`;
+    try {
+        const { data } = await axios_1.default.post(`${base}/api/v1/omnl/settlement/bridge-to-chain`, {
+            settlementRef: payload.settlementRef,
+            sourceChainId: 138,
+            destinationChainId: payload.destinationChainId,
+            tokenAddress: payload.tokenAddress,
+            amount: payload.amount,
+            recipient: payload.recipient,
+            bridgeRail: payload.bridgeRail,
+            dryRun: payload.dryRun,
+            decimals: payload.decimals,
+            wrapNative: payload.wrapNative,
+        }, { headers, timeout: 180000 });
+        return {
+            bridgeTxHash: data.bridgeTxHash,
+            messageId: data.messageId,
+            status: String(data.status ?? (payload.dryRun ? 'DRY_RUN' : 'CHAIN_BRIDGE_PENDING')),
+        };
+    }
+    catch (err) {
+        if (axios_1.default.isAxiosError(err) && err.response?.status === 404) {
+            return {
+                status: payload.dryRun ? 'DRY_RUN' : 'PENDING_BRIDGE_ENDPOINT',
+            };
+        }
+        throw err;
+    }
+}
diff --git a/services/settlement-middleware/dist/adapters/swift.js b/services/settlement-middleware/dist/adapters/swift.js
index ef2f9ff..70b0fe5 100644
--- a/services/settlement-middleware/dist/adapters/swift.js
+++ b/services/settlement-middleware/dist/adapters/swift.js
@@ -6,6 +6,8 @@ Object.defineProperty(exports, "__esModule", { value: true });
 exports.forwardSwiftToListener = forwardSwiftToListener;
 exports.buildMt103Stub = buildMt103Stub;
 exports.buildMt102Stub = buildMt102Stub;
+exports.buildMt202Stub = buildMt202Stub;
+exports.buildMt910Stub = buildMt910Stub;
 const axios_1 = __importDefault(require("axios"));
 async function forwardSwiftToListener(raw) {
     const url = (process.env.SWIFT_LISTENER_URL || 'http://192.168.11.114:8788').replace(/\/$/, '');
@@ -40,3 +42,25 @@ ${fields.beneficiary}
 :70:${fields.remittance}
 -}`;
 }
+/** MT202 — interbank cover / institution transfer (SBLC correspondent leg). */
+function buildMt202Stub(fields) {
+    const ord = fields.orderingInstitution ? `:52A:${fields.orderingInstitution}\n` : '';
+    const acct = fields.accountWithInstitution ? `:57A:${fields.accountWithInstitution}\n` : '';
+    const ben = fields.beneficiaryInstitution ? `:58A:${fields.beneficiaryInstitution}\n` : '';
+    return `{1:F01OMNLUS33XXXX0000000000}{2:I202BANKUS33XXXXN}{4:
+:20:${fields.senderRef}
+:21:${fields.relatedRef}
+:32A:${fields.valueDate.replace(/-/g, '').slice(2)}${fields.currency}${fields.amount.replace('.', ',')}
+${ord}${acct}${ben}:70:${fields.remittance}
+-}`;
+}
+/** MT910 — confirmation of credit (advice to beneficiary bank). */
+function buildMt910Stub(fields) {
+    const acct = fields.accountWithInstitution ? `:57A:${fields.accountWithInstitution}\n` : '';
+    return `{1:F01OMNLUS33XXXX0000000000}{2:I910BANKUS33XXXXN}{4:
+:20:${fields.transactionRef}
+:21:${fields.relatedRef}
+:32A:${fields.valueDate.replace(/-/g, '').slice(2)}${fields.currency}${fields.amount.replace('.', ',')}
+${acct}:72:${fields.remittance}
+-}`;
+}
diff --git a/services/settlement-middleware/dist/api/routes/settlement.js b/services/settlement-middleware/dist/api/routes/settlement.js
index 80d84bd..fa28962 100644
--- a/services/settlement-middleware/dist/api/routes/settlement.js
+++ b/services/settlement-middleware/dist/api/routes/settlement.js
@@ -11,8 +11,37 @@ const office_scope_1 = require("../../workflows/office-scope");
 const settlement_store_1 = require("../../store/settlement-store");
 const swift_inbound_1 = require("../../workflows/swift-inbound");
 const z_bank_m0_m4_1 = require("../../workflows/z-bank-m0-m4");
+const zbank_proof_of_funds_1 = require("../../workflows/zbank-proof-of-funds");
+const zbank_card_load_1 = require("../../workflows/zbank-card-load");
+const zbank_pos_sale_1 = require("../../workflows/zbank-pos-sale");
+const zbank_pos_config_1 = require("../../services/zbank-pos-config");
+const zbank_card_store_1 = require("../../store/zbank-card-store");
 const fineract_1 = require("../../adapters/fineract");
+const zbank_consumer_banking_1 = require("../../services/zbank-consumer-banking");
+const zbank_consumer_config_1 = require("../../services/zbank-consumer-config");
+const zbank_portal_auth_1 = require("../../services/zbank-portal-auth");
 const auth_1 = require("../../middleware/auth");
+function onlineBankEnabled() {
+    const cfg = (0, config_1.loadConfig)();
+    return cfg.production.onlineBankMode || process.env.OMNL_PUBLIC_MONEY_SUPPLY === '1';
+}
+function allowOnlineBankPublic(req, res) {
+    if (onlineBankEnabled())
+        return true;
+    return (0, auth_1.requireApiKey)(req, res);
+}
+function allowZBankConsumer(req, res) {
+    if (!onlineBankEnabled())
+        return (0, auth_1.requireApiKey)(req, res);
+    if (!(0, zbank_portal_auth_1.portalAuthRequired)())
+        return true;
+    const session = (0, zbank_portal_auth_1.verifySession)((0, zbank_portal_auth_1.extractSessionToken)(req.headers.authorization));
+    if (!session) {
+        res.status(401).json({ error: 'Portal login required' });
+        return false;
+    }
+    return true;
+}
 async function respondPublicMoneySupply(res, officeId) {
     const cfg = (0, config_1.loadConfig)();
     const allow = cfg.production.onlineBankMode || process.env.OMNL_PUBLIC_MONEY_SUPPLY === '1';
@@ -233,6 +262,7 @@ function createSettlementRouter() {
         if (!(0, auth_1.requireApiKey)(req, res))
             return;
         try {
+            // convertToCrypto.targetChainId: 138 (default) or 1 (mint on 138 + CCIP/trustless bridge to Ethereum)
             const body = req.body;
             const merged = (0, office_scope_1.bindOffice24)({
                 ...body,
@@ -351,5 +381,209 @@ function createSettlementRouter() {
             res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
         }
     });
+    router.get('/z-bank/auth/bootstrap', (req, res) => {
+        if (!allowOnlineBankPublic(req, res))
+            return;
+        try {
+            const cfg = (0, zbank_portal_auth_1.loadZBankPortalAuthConfig)();
+            res.json({
+                requireAuth: (0, zbank_portal_auth_1.portalAuthRequired)(),
+                users: cfg.users.map((u) => ({ phone: u.phone, displayName: u.displayName })),
+            });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/z-bank/auth/login', (req, res) => {
+        if (!allowOnlineBankPublic(req, res))
+            return;
+        const phone = String(req.body?.phone ?? '').trim();
+        const passcode = String(req.body?.passcode ?? '');
+        if (!phone || !passcode) {
+            res.status(400).json({ error: 'Phone and passcode are required' });
+            return;
+        }
+        try {
+            const { token, session } = (0, zbank_portal_auth_1.loginWithPasscode)(phone, passcode);
+            res.json({
+                token,
+                session: {
+                    userId: session.userId,
+                    displayName: session.displayName,
+                    phone: session.phone,
+                    email: session.email,
+                },
+            });
+        }
+        catch (e) {
+            res.status(401).json({ error: e instanceof Error ? e.message : 'Login failed' });
+        }
+    });
+    router.get('/z-bank/auth/session', (req, res) => {
+        if (!allowOnlineBankPublic(req, res))
+            return;
+        const session = (0, zbank_portal_auth_1.verifySession)((0, zbank_portal_auth_1.extractSessionToken)(req.headers.authorization));
+        if (!session) {
+            res.status(401).json({ error: 'Invalid or expired session' });
+            return;
+        }
+        res.json({
+            session: {
+                userId: session.userId,
+                displayName: session.displayName,
+                phone: session.phone,
+                email: session.email,
+            },
+        });
+    });
+    router.post('/z-bank/auth/logout', (req, res) => {
+        if (!allowOnlineBankPublic(req, res))
+            return;
+        res.json({ ok: true });
+    });
+    router.get('/z-bank/consumer/overview', async (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        try {
+            res.json(await (0, zbank_consumer_banking_1.buildConsumerOverview)());
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/consumer/profile', async (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        try {
+            const overview = await (0, zbank_consumer_banking_1.buildConsumerOverview)();
+            res.json({ profile: overview.profile, limits: overview.limits });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/consumer/accounts', async (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        try {
+            const posCfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+            const { accounts, totalBalance, fineractConnected, fineractLive } = await (0, zbank_consumer_banking_1.buildConsumerAccounts)(posCfg.officeId);
+            res.json({ accounts, totalBalance, totalBalanceCurrency: 'USD', fineractConnected, fineractLive });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/consumer/cards', (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        (0, zbank_consumer_banking_1.buildConsumerOverview)()
+            .then((o) => res.json({ cards: o.cards }))
+            .catch((e) => res.status(500).json({ error: e instanceof Error ? e.message : String(e) }));
+    });
+    router.get('/z-bank/consumer/transactions', (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        const limit = Number(req.query.limit ?? 50);
+        res.json({ transactions: (0, zbank_consumer_banking_1.buildConsumerTransactions)(limit) });
+    });
+    router.get('/z-bank/consumer/limits', (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        res.json((0, zbank_consumer_config_1.loadZBankConsumerConfig)().limits);
+    });
+    router.get('/z-bank/consumer/accounts/:accountId', async (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        try {
+            const posCfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+            const { accounts } = await (0, zbank_consumer_banking_1.buildConsumerAccounts)(posCfg.officeId);
+            const account = accounts.find((a) => a.id === req.params.accountId);
+            if (!account) {
+                res.status(404).json({ error: 'Account not found' });
+                return;
+            }
+            res.json(account);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/proof-of-funds', async (req, res) => {
+        const cfg = (0, config_1.loadConfig)();
+        const allowPublic = cfg.production.onlineBankMode || process.env.OMNL_PUBLIC_MONEY_SUPPLY === '1';
+        if (!allowPublic && !(0, auth_1.requireApiKey)(req, res))
+            return;
+        try {
+            const officeRaw = String(req.query.officeId ?? '').trim();
+            const officeId = officeRaw ? parseInt(officeRaw, 10) : (0, zbank_pos_config_1.loadZBankPosConfig)().officeId;
+            res.json(await (0, zbank_proof_of_funds_1.buildZBankProofOfFunds)(officeId));
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/pos/config', (_req, res) => {
+        try {
+            const cfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+            res.json({
+                officeId: cfg.officeId,
+                issuer: cfg.issuer,
+                cardProducts: cfg.cardProducts,
+                posTerminals: cfg.posTerminals,
+            });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/z-bank/pos/cards', (req, res) => {
+        if (!allowZBankConsumer(req, res))
+            return;
+        res.json({ cards: zbank_card_store_1.zbankCardStore.listCards(Number(req.query.limit ?? 50)) });
+    });
+    router.get('/z-bank/pos/cards/:cardId', (req, res) => {
+        if (!(0, auth_1.requireApiKey)(req, res))
+            return;
+        const card = zbank_card_store_1.zbankCardStore.getCard(req.params.cardId);
+        if (!card) {
+            res.status(404).json({ error: 'Card not found' });
+            return;
+        }
+        res.json(card);
+    });
+    router.post('/z-bank/pos/card-load', async (req, res) => {
+        if (!(0, auth_1.requireApiKey)(req, res))
+            return;
+        try {
+            const body = req.body;
+            if (!body.idempotencyKey || !body.cardProductId || !body.amount) {
+                res.status(400).json({ error: 'idempotencyKey, cardProductId, amount required' });
+                return;
+            }
+            const out = await (0, zbank_card_load_1.processZBankCardLoad)(body);
+            res.status(out.settlement.phase === 'FAILED' ? 422 : 200).json(out);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/z-bank/pos/sale', async (req, res) => {
+        if (!(0, auth_1.requireApiKey)(req, res))
+            return;
+        try {
+            const body = req.body;
+            if (!body.idempotencyKey || !body.cardId || !body.terminalId || !body.amount) {
+                res.status(400).json({ error: 'idempotencyKey, cardId, terminalId, amount required' });
+                return;
+            }
+            const sale = await (0, zbank_pos_sale_1.processZBankPosSale)(body);
+            res.status(sale?.status === 'declined' ? 422 : 200).json(sale);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
     return router;
 }
diff --git a/services/settlement-middleware/dist/config.js b/services/settlement-middleware/dist/config.js
index a85c0e7..d8d7c12 100644
--- a/services/settlement-middleware/dist/config.js
+++ b/services/settlement-middleware/dist/config.js
@@ -21,6 +21,15 @@ function loadConfig() {
     const configPath = process.env.SETTLEMENT_MIDDLEWARE_CONFIG ||
         repoConfigPath('config/settlement-middleware.v1.json');
     cached = JSON.parse(fs_1.default.readFileSync(configPath, 'utf8'));
+    if (cached.production.allowChainBridgeExecute === undefined) {
+        cached.production.allowChainBridgeExecute = false;
+    }
+    if (process.env.SETTLEMENT_ALLOW_CHAIN_BRIDGE_EXECUTE === '1') {
+        cached.production.allowChainBridgeExecute = true;
+    }
+    if (process.env.SETTLEMENT_ALLOW_CHAIN_MINT_EXECUTE === '1') {
+        cached.production.allowChainMintExecute = true;
+    }
     return cached;
 }
 function loadOfficeProfile() {
diff --git a/services/settlement-middleware/dist/index.js b/services/settlement-middleware/dist/index.js
index 4954e3e..6155608 100644
--- a/services/settlement-middleware/dist/index.js
+++ b/services/settlement-middleware/dist/index.js
@@ -40,8 +40,19 @@ const dotenv = __importStar(require("dotenv"));
 const path_1 = __importDefault(require("path"));
 const fs_1 = require("fs");
 const server_1 = require("./server");
-const rootEnv = path_1.default.resolve(__dirname, '../../../.env');
-if ((0, fs_1.existsSync)(rootEnv))
-    dotenv.config({ path: rootEnv });
+const envCandidates = [
+    path_1.default.resolve(__dirname, '../../../.env'),
+    path_1.default.resolve(__dirname, '../../.env'),
+    path_1.default.resolve(__dirname, '../.env'),
+];
+for (const envPath of envCandidates) {
+    if ((0, fs_1.existsSync)(envPath)) {
+        dotenv.config({ path: envPath });
+    }
+}
+const serviceEnv = path_1.default.resolve(__dirname, '../.env');
+if ((0, fs_1.existsSync)(serviceEnv)) {
+    dotenv.config({ path: serviceEnv, override: true });
+}
 dotenv.config();
 (0, server_1.startServer)();
diff --git a/services/settlement-middleware/dist/services/zbank-consumer-banking.js b/services/settlement-middleware/dist/services/zbank-consumer-banking.js
new file mode 100644
index 0000000..b72ebda
--- /dev/null
+++ b/services/settlement-middleware/dist/services/zbank-consumer-banking.js
@@ -0,0 +1,263 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.buildConsumerTransactions = buildConsumerTransactions;
+exports.buildConsumerAccounts = buildConsumerAccounts;
+exports.buildConsumerOverview = buildConsumerOverview;
+const settlement_core_1 = require("@dbis/settlement-core");
+const fineract_1 = require("../adapters/fineract");
+const config_1 = require("../config");
+const settlement_store_1 = require("../store/settlement-store");
+const zbank_card_store_1 = require("../store/zbank-card-store");
+const zbank_pos_config_1 = require("./zbank-pos-config");
+const zbank_consumer_config_1 = require("./zbank-consumer-config");
+const ACCOUNT_FLAGS = {
+    USD: '🇺🇸',
+    EUR: '🇪🇺',
+    GBP: '🇬🇧',
+    SAVINGS: '💰',
+    RESERVE: '🏦',
+    CRYPTO: '⛓',
+};
+function parseTs(iso) {
+    return iso ? Date.parse(iso) || 0 : 0;
+}
+function settlementToTransaction(r) {
+    const req = r.request;
+    const amount = req.amount ?? '0';
+    const currency = req.currency ?? 'USD';
+    const failed = r.phase === 'FAILED';
+    const pending = !failed && r.phase !== 'SETTLED';
+    const remittance = req.remittanceInfo ?? req.beneficiaryName ?? r.settlementId;
+    const outbound = Boolean(req.creditorIban || req.beneficiaryName);
+    let type = 'settlement';
+    if (remittance.toLowerCase().includes('card load'))
+        type = 'card_load';
+    else if (req.rail?.includes('SWIFT') || req.creditorIban)
+        type = 'transfer';
+    else if (remittance.toLowerCase().includes('swap') || remittance.toLowerCase().includes('exchange')) {
+        type = 'exchange';
+    }
+    return {
+        id: r.settlementId,
+        type,
+        title: remittance.slice(0, 64) || 'Settlement',
+        subtitle: `${req.rail ?? 'OMNL'} · ${r.phase}`,
+        amount,
+        currency,
+        direction: type === 'card_load' ? 'in' : outbound ? 'out' : 'in',
+        status: failed ? 'failed' : pending ? 'pending' : 'completed',
+        createdAt: r.updatedAt ?? r.createdAt,
+        reference: r.fineractJournalRef ?? r.hybxPaymentId,
+    };
+}
+function saleToTransaction(s) {
+    return {
+        id: s.saleId,
+        type: 'card_payment',
+        title: s.merchantName,
+        subtitle: `Card •••• ${s.cardId.slice(-4)} · ${s.terminalId}`,
+        amount: s.amount,
+        currency: s.currency,
+        direction: 'out',
+        status: s.status === 'approved' ? 'completed' : 'failed',
+        createdAt: s.createdAt,
+        reference: s.fineractJournalRef,
+    };
+}
+function cardToDisplay(card, cfg) {
+    const tierMeta = cfg.cardTierMap[card.productId] ?? {
+        tier: 'standard',
+        label: card.productLabel,
+        gradient: 'standard',
+        network: 'Visa',
+    };
+    return {
+        cardId: card.cardId,
+        tier: tierMeta.tier,
+        label: tierMeta.label,
+        gradient: tierMeta.gradient,
+        network: tierMeta.network,
+        last4: card.cardLast4,
+        cardholderName: card.cardholderName,
+        currency: card.currency,
+        balance: card.balance,
+        status: card.status === 'blocked' ? 'frozen' : 'active',
+        productId: card.productId,
+        expiry: '12/28',
+    };
+}
+function virtualCards(cfg, holder) {
+    return cfg.virtualCardProducts.map((p, i) => ({
+        cardId: `virtual-${p.productId}`,
+        tier: p.tier,
+        label: p.label,
+        gradient: p.gradient,
+        network: p.network,
+        last4: String(9000 + i * 111).slice(-4),
+        cardholderName: holder,
+        currency: 'USD',
+        balance: '0.00',
+        status: 'virtual',
+        productId: p.productId,
+        expiry: '12/28',
+    }));
+}
+function buildConsumerTransactions(limit = 50) {
+    const settlements = settlement_store_1.settlementStore
+        .list(200)
+        .map(settlementToTransaction)
+        .filter(Boolean);
+    const sales = zbank_card_store_1.zbankCardStore.listSales(100).map(saleToTransaction);
+    return [...settlements, ...sales]
+        .sort((a, b) => parseTs(b.createdAt) - parseTs(a.createdAt))
+        .slice(0, limit);
+}
+async function buildConsumerAccounts(officeId) {
+    const cfg = (0, zbank_consumer_config_1.loadZBankConsumerConfig)();
+    const posCfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+    const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+    const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+    const fineractConnected = await (0, fineract_1.fineractOfficeReachable)(officeId);
+    const hasActivity = Object.values(balances).some((v) => Math.abs(parseFloat(v) || 0) > 0);
+    const fineractLive = fineractConnected && hasActivity;
+    const m1 = snap.M1.circulating ?? snap.M1.gl2100 ?? '0';
+    const m2 = snap.M2.broadMoney ?? snap.M2.gl2200 ?? '0';
+    const m0 = snap.M0.gl1050 ?? '0';
+    const m3 = snap.M3.tokenLiabilities ?? snap.M3.gl2300 ?? '0';
+    const m4 = snap.M4.nearMoney ?? snap.M4.gl1000 ?? '0';
+    const cardPool = balances[posCfg.gl.cardPrepaidLiability] ?? '0';
+    const usdDetails = cfg.accountDetails.USD;
+    const eurDetails = cfg.accountDetails.EUR;
+    const gbpDetails = cfg.accountDetails.GBP;
+    const accounts = [
+        {
+            id: 'usd-main',
+            currency: 'USD',
+            name: 'Main · USD',
+            flag: ACCOUNT_FLAGS.USD,
+            balance: m1,
+            availableBalance: m1,
+            type: 'current',
+            moneyLayer: 'M1',
+            details: usdDetails,
+        },
+        {
+            id: 'usd-savings',
+            currency: 'USD',
+            name: 'Savings',
+            flag: ACCOUNT_FLAGS.SAVINGS,
+            balance: m2,
+            availableBalance: m2,
+            type: 'savings',
+            moneyLayer: 'M2',
+            details: { ...usdDetails, accountName: 'USD Savings (M2 tokenized)' },
+        },
+        {
+            id: 'eur',
+            currency: 'EUR',
+            name: 'Euro',
+            flag: ACCOUNT_FLAGS.EUR,
+            balance: '0.00',
+            availableBalance: '0.00',
+            type: 'current',
+            moneyLayer: 'M1',
+            details: eurDetails,
+        },
+        {
+            id: 'gbp',
+            currency: 'GBP',
+            name: 'British Pound',
+            flag: ACCOUNT_FLAGS.GBP,
+            balance: '0.00',
+            availableBalance: '0.00',
+            type: 'current',
+            moneyLayer: 'M1',
+            details: gbpDetails,
+        },
+        {
+            id: 'usd-cards',
+            currency: 'USD',
+            name: 'Card balance',
+            flag: '💳',
+            balance: cardPool,
+            availableBalance: cardPool,
+            type: 'current',
+            moneyLayer: 'M2',
+            details: { ...usdDetails, accountName: 'Prepaid card pool (GL 2210)' },
+        },
+        {
+            id: 'reserve',
+            currency: 'USD',
+            name: 'Reserve',
+            flag: ACCOUNT_FLAGS.RESERVE,
+            balance: m0,
+            availableBalance: m0,
+            type: 'reserve',
+            moneyLayer: 'M0',
+            details: { ...usdDetails, accountName: 'M0 base money reserve' },
+        },
+        {
+            id: 'crypto',
+            currency: 'USD',
+            name: 'On-chain',
+            flag: ACCOUNT_FLAGS.CRYPTO,
+            balance: m3,
+            availableBalance: m3,
+            type: 'crypto',
+            moneyLayer: 'M3',
+            details: { ...usdDetails, accountName: 'M3 digital / on-chain' },
+        },
+        {
+            id: 'swift',
+            currency: 'USD',
+            name: 'SWIFT rails',
+            flag: '🌐',
+            balance: m4,
+            availableBalance: m4,
+            type: 'fiat_rail',
+            moneyLayer: 'M4',
+            details: { ...usdDetails, accountName: 'M4 SWIFT settlement' },
+        },
+    ];
+    const total = (parseFloat(m1 || '0') +
+        parseFloat(m2 || '0') +
+        parseFloat(cardPool || '0')).toFixed(2);
+    return { accounts, totalBalance: total, fineractConnected, fineractLive };
+}
+async function buildConsumerOverview() {
+    const cfg = (0, zbank_consumer_config_1.loadZBankConsumerConfig)();
+    const posCfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+    const office = (0, config_1.loadOfficeProfile)();
+    const holder = office.name?.split('—')[0]?.trim() ?? 'Z Bank Customer';
+    const { accounts, totalBalance, fineractConnected, fineractLive } = await buildConsumerAccounts(posCfg.officeId);
+    const storedCards = zbank_card_store_1.zbankCardStore.listCards(20);
+    const cards = storedCards.length > 0
+        ? storedCards.map((c) => cardToDisplay(c, cfg))
+        : virtualCards(cfg, holder);
+    const transactions = buildConsumerTransactions(30);
+    return {
+        asOf: new Date().toISOString(),
+        profile: {
+            displayName: holder,
+            plan: cfg.profile.plan,
+            planTier: cfg.profile.planTier,
+            planPrice: cfg.profile.planPrice,
+            email: cfg.profile.email,
+            phone: cfg.profile.phone,
+            address: cfg.profile.address,
+            memberSince: cfg.profile.memberSince,
+            kycStatus: cfg.profile.kycStatus,
+            kycLevel: cfg.profile.kycLevel,
+            officeId: posCfg.officeId,
+            externalId: posCfg.externalId,
+        },
+        totalBalance,
+        totalBalanceCurrency: 'USD',
+        accounts,
+        cards,
+        transactions,
+        limits: cfg.limits,
+        fineractConnected,
+        fineractLive,
+    };
+}
diff --git a/services/settlement-middleware/dist/services/zbank-consumer-config.js b/services/settlement-middleware/dist/services/zbank-consumer-config.js
new file mode 100644
index 0000000..be9adb2
--- /dev/null
+++ b/services/settlement-middleware/dist/services/zbank-consumer-config.js
@@ -0,0 +1,20 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.loadZBankConsumerConfig = loadZBankConsumerConfig;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+let cached = null;
+function repoConfigPath(relative) {
+    return path_1.default.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+function loadZBankConsumerConfig() {
+    if (cached)
+        return cached;
+    const configPath = process.env.ZBANK_CONSUMER_CONFIG?.trim() ||
+        repoConfigPath('config/zbank-consumer-account.v1.json');
+    cached = JSON.parse(fs_1.default.readFileSync(configPath, 'utf8'));
+    return cached;
+}
diff --git a/services/settlement-middleware/dist/services/zbank-portal-auth.js b/services/settlement-middleware/dist/services/zbank-portal-auth.js
new file mode 100644
index 0000000..ee964c4
--- /dev/null
+++ b/services/settlement-middleware/dist/services/zbank-portal-auth.js
@@ -0,0 +1,145 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.loadZBankPortalAuthConfig = loadZBankPortalAuthConfig;
+exports.issueSession = issueSession;
+exports.verifySession = verifySession;
+exports.extractSessionToken = extractSessionToken;
+exports.loginWithPasscode = loginWithPasscode;
+exports.portalAuthRequired = portalAuthRequired;
+exports.generateSessionSecret = generateSessionSecret;
+const crypto_1 = require("crypto");
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const attemptLog = new Map();
+let cachedConfig = null;
+function repoConfigPath(relative) {
+    return path_1.default.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+function loadZBankPortalAuthConfig() {
+    if (cachedConfig)
+        return cachedConfig;
+    const configPath = process.env.ZBANK_PORTAL_AUTH_CONFIG?.trim() ||
+        repoConfigPath('config/zbank-portal-auth.v1.json');
+    cachedConfig = JSON.parse(fs_1.default.readFileSync(configPath, 'utf8'));
+    return cachedConfig;
+}
+function sessionSecret() {
+    const secret = process.env.ZBANK_PORTAL_SESSION_SECRET?.trim();
+    if (!secret || secret.length < 16) {
+        throw new Error('ZBANK_PORTAL_SESSION_SECRET must be set (min 16 chars) for portal login');
+    }
+    return secret;
+}
+function configuredPasscode() {
+    const code = process.env.ZBANK_PORTAL_PASSCODE?.trim();
+    if (!code)
+        throw new Error('ZBANK_PORTAL_PASSCODE is not configured');
+    return code;
+}
+function normalizePhone(input) {
+    return input.replace(/[\s-]/g, '');
+}
+function signPayload(payload) {
+    return (0, crypto_1.createHmac)('sha256', sessionSecret()).update(payload).digest('base64url');
+}
+function issueSession(user) {
+    const cfg = loadZBankPortalAuthConfig();
+    const now = Math.floor(Date.now() / 1000);
+    const body = {
+        userId: user.id,
+        displayName: user.displayName,
+        phone: user.phone,
+        email: user.email,
+        iat: now,
+        exp: now + cfg.sessionTtlHours * 3600,
+    };
+    const payload = Buffer.from(JSON.stringify(body)).toString('base64url');
+    return `${payload}.${signPayload(payload)}`;
+}
+function verifySession(token) {
+    if (!token?.includes('.'))
+        return null;
+    const [payload, sig] = token.split('.', 2);
+    if (!payload || !sig)
+        return null;
+    const expected = signPayload(payload);
+    try {
+        const a = Buffer.from(sig);
+        const b = Buffer.from(expected);
+        if (a.length !== b.length || !(0, crypto_1.timingSafeEqual)(a, b))
+            return null;
+    }
+    catch {
+        return null;
+    }
+    try {
+        const session = JSON.parse(Buffer.from(payload, 'base64url').toString('utf8'));
+        if (!session.exp || session.exp < Math.floor(Date.now() / 1000))
+            return null;
+        return session;
+    }
+    catch {
+        return null;
+    }
+}
+function extractSessionToken(authHeader) {
+    if (!authHeader)
+        return undefined;
+    const m = authHeader.match(/^Bearer\s+(.+)$/i);
+    return m?.[1]?.trim();
+}
+function secureCompare(a, b) {
+    const ha = (0, crypto_1.createHash)('sha256').update(a).digest();
+    const hb = (0, crypto_1.createHash)('sha256').update(b).digest();
+    return (0, crypto_1.timingSafeEqual)(ha, hb);
+}
+function checkLockout(key) {
+    const entry = attemptLog.get(key);
+    if (entry?.lockedUntil && entry.lockedUntil > Date.now()) {
+        const mins = Math.ceil((entry.lockedUntil - Date.now()) / 60000);
+        return `Too many attempts. Try again in ${mins} minute(s).`;
+    }
+    return null;
+}
+function recordFailedAttempt(key) {
+    const cfg = loadZBankPortalAuthConfig();
+    const entry = attemptLog.get(key) ?? { count: 0 };
+    entry.count += 1;
+    if (entry.count >= cfg.maxAttempts) {
+        entry.lockedUntil = Date.now() + cfg.lockoutMinutes * 60_000;
+        entry.count = 0;
+    }
+    attemptLog.set(key, entry);
+}
+function loginWithPasscode(phone, passcode) {
+    const cfg = loadZBankPortalAuthConfig();
+    const normalized = normalizePhone(phone);
+    const lockKey = (0, crypto_1.createHash)('sha256').update(normalized).digest('hex').slice(0, 16);
+    const locked = checkLockout(lockKey);
+    if (locked)
+        throw new Error(locked);
+    const user = cfg.users.find((u) => normalizePhone(u.phone) === normalized);
+    if (!user) {
+        recordFailedAttempt(lockKey);
+        throw new Error('Invalid phone number or passcode');
+    }
+    if (!secureCompare(passcode, configuredPasscode())) {
+        recordFailedAttempt(lockKey);
+        throw new Error('Invalid phone number or passcode');
+    }
+    attemptLog.delete(lockKey);
+    const token = issueSession(user);
+    const session = verifySession(token);
+    if (!session)
+        throw new Error('Failed to create session');
+    return { token, session };
+}
+function portalAuthRequired() {
+    return process.env.ZBANK_PORTAL_REQUIRE_AUTH === '1' || process.env.ZBANK_PORTAL_REQUIRE_AUTH === 'true';
+}
+function generateSessionSecret() {
+    return (0, crypto_1.randomBytes)(32).toString('hex');
+}
diff --git a/services/settlement-middleware/dist/services/zbank-pos-config.js b/services/settlement-middleware/dist/services/zbank-pos-config.js
new file mode 100644
index 0000000..be6f50e
--- /dev/null
+++ b/services/settlement-middleware/dist/services/zbank-pos-config.js
@@ -0,0 +1,27 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.loadZBankPosConfig = loadZBankPosConfig;
+exports.findCardProduct = findCardProduct;
+exports.findPosTerminal = findPosTerminal;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+let cached = null;
+function repoConfigPath(relative) {
+    return path_1.default.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+function loadZBankPosConfig() {
+    if (cached)
+        return cached;
+    const configPath = process.env.ZBANK_POS_CONFIG?.trim() || repoConfigPath('config/zbank-pos-cards.v1.json');
+    cached = JSON.parse(fs_1.default.readFileSync(configPath, 'utf8'));
+    return cached;
+}
+function findCardProduct(cfg, productId) {
+    return cfg.cardProducts.find((p) => p.id === productId);
+}
+function findPosTerminal(cfg, terminalId) {
+    return cfg.posTerminals.find((t) => t.terminalId === terminalId);
+}
diff --git a/services/settlement-middleware/dist/store/zbank-card-store.js b/services/settlement-middleware/dist/store/zbank-card-store.js
new file mode 100644
index 0000000..ae81a2a
--- /dev/null
+++ b/services/settlement-middleware/dist/store/zbank-card-store.js
@@ -0,0 +1,81 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.zbankCardStore = exports.ZBankCardStore = void 0;
+exports.newCardId = newCardId;
+exports.newSaleId = newSaleId;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const crypto_1 = require("crypto");
+const zbank_pos_config_1 = require("../services/zbank-pos-config");
+const baseDir = process.env.ZBANK_CARD_STORE_DIR ||
+    path_1.default.resolve(__dirname, '../../../data/zbank-card-store');
+function storeDir() {
+    const officeId = (0, zbank_pos_config_1.loadZBankPosConfig)().officeId;
+    const dir = path_1.default.join(baseDir, `office-${officeId}`);
+    if (!fs_1.default.existsSync(dir))
+        fs_1.default.mkdirSync(dir, { recursive: true });
+    return dir;
+}
+function cardPath(cardId) {
+    return path_1.default.join(storeDir(), `card-${cardId}.json`);
+}
+function salePath(saleId) {
+    return path_1.default.join(storeDir(), `sale-${saleId}.json`);
+}
+class ZBankCardStore {
+    saveCard(card) {
+        fs_1.default.writeFileSync(cardPath(card.cardId), JSON.stringify(card, null, 2));
+    }
+    getCard(cardId) {
+        const p = cardPath(cardId);
+        if (!fs_1.default.existsSync(p))
+            return null;
+        return JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    }
+    listCards(limit = 50) {
+        const dir = storeDir();
+        if (!fs_1.default.existsSync(dir))
+            return [];
+        return fs_1.default
+            .readdirSync(dir)
+            .filter((f) => f.startsWith('card-') && f.endsWith('.json'))
+            .slice(0, limit)
+            .map((f) => JSON.parse(fs_1.default.readFileSync(path_1.default.join(dir, f), 'utf8')));
+    }
+    saveSale(sale) {
+        fs_1.default.writeFileSync(salePath(sale.saleId), JSON.stringify(sale, null, 2));
+        fs_1.default.writeFileSync(path_1.default.join(storeDir(), `sale-key-${sale.idempotencyKey}.json`), sale.saleId);
+    }
+    getSaleByIdempotency(key) {
+        const ref = path_1.default.join(storeDir(), `sale-key-${key}.json`);
+        if (!fs_1.default.existsSync(ref))
+            return null;
+        const id = fs_1.default.readFileSync(ref, 'utf8').trim();
+        const p = salePath(id);
+        if (!fs_1.default.existsSync(p))
+            return null;
+        return JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    }
+    listSales(limit = 50) {
+        const dir = storeDir();
+        if (!fs_1.default.existsSync(dir))
+            return [];
+        return fs_1.default
+            .readdirSync(dir)
+            .filter((f) => f.startsWith('sale-') && f.endsWith('.json') && !f.includes('sale-key-'))
+            .slice(0, limit)
+            .map((f) => JSON.parse(fs_1.default.readFileSync(path_1.default.join(dir, f), 'utf8')))
+            .sort((a, b) => Date.parse(b.createdAt) - Date.parse(a.createdAt));
+    }
+}
+exports.ZBankCardStore = ZBankCardStore;
+exports.zbankCardStore = new ZBankCardStore();
+function newCardId() {
+    return `ZCARD-${(0, crypto_1.randomUUID)().slice(0, 8).toUpperCase()}`;
+}
+function newSaleId() {
+    return `ZSALE-${(0, crypto_1.randomUUID)().slice(0, 8).toUpperCase()}`;
+}
diff --git a/services/settlement-middleware/dist/workflows/external-transfer.js b/services/settlement-middleware/dist/workflows/external-transfer.js
index 77cfc41..0bd9731 100644
--- a/services/settlement-middleware/dist/workflows/external-transfer.js
+++ b/services/settlement-middleware/dist/workflows/external-transfer.js
@@ -11,6 +11,7 @@ const hybx_production_1 = require("../adapters/hybx-production");
 const omnl_1 = require("../adapters/omnl");
 const swift_1 = require("../adapters/swift");
 const settlement_store_1 = require("../store/settlement-store");
+const settlement_bridge_1 = require("./settlement-bridge");
 async function processExternalTransfer(input) {
     const cfg = (0, config_1.loadConfig)();
     const profile = (0, config_1.loadOfficeProfile)();
@@ -112,6 +113,29 @@ async function processExternalTransfer(input) {
             });
         if (cfg.rails.swift.enabled) {
             await (0, swift_1.forwardSwiftToListener)(swiftRaw);
+            if (req.tradeFinance?.instrument === 'SBLC') {
+                const cover = (0, swift_1.buildMt202Stub)({
+                    senderRef: `${req.idempotencyKey}-COV`,
+                    relatedRef: req.idempotencyKey,
+                    currency: req.currency,
+                    amount: req.amount,
+                    valueDate: req.valueDate,
+                    orderingInstitution: 'OMNLUS33',
+                    beneficiaryInstitution: req.creditorBic ?? 'BANKUS33',
+                    remittance: `SBLC cover ${req.tradeFinance.reference ?? req.idempotencyKey}`,
+                });
+                await (0, swift_1.forwardSwiftToListener)(cover);
+            }
+            const advice = (0, swift_1.buildMt910Stub)({
+                transactionRef: `${req.idempotencyKey}-ADV`,
+                relatedRef: req.idempotencyKey,
+                currency: req.currency,
+                amount: req.amount,
+                valueDate: req.valueDate,
+                accountWithInstitution: req.creditorBic,
+                remittance: `Credit confirmation ${req.beneficiaryName}`,
+            });
+            await (0, swift_1.forwardSwiftToListener)(advice);
         }
         const iso = await (0, omnl_1.archiveIso20022)({
             messageType: swiftKind === 'MT102' ? 'pacs.008' : 'pacs.008',
@@ -130,14 +154,15 @@ async function processExternalTransfer(input) {
                 advance('FAILED');
                 return record;
             }
-            const mint = await (0, omnl_1.requestTokenMint)({
+            record = await (0, settlement_bridge_1.executeSettlementMintAndBridge)(record, {
                 lineId: req.convertToCrypto.tokenLineId,
                 amount: m3Check.loadAmount,
-                recipient: req.convertToCrypto.recipientAddress,
-                settlementRef: record.settlementId,
-                dryRun: !cfg.production.allowChainMintExecute,
-            });
-            advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+                tokenAddress: (0, settlement_bridge_1.resolveM2TokenAddress)(req.convertToCrypto.tokenLineId),
+                dryRunMint: !cfg.production.allowChainMintExecute,
+                dryRunBridge: !cfg.production.allowChainBridgeExecute,
+            }, advance);
+            if (record.phase === 'FAILED')
+                return record;
         }
         else {
             advance('CHAIN_MINT_REQUESTED');
diff --git a/services/settlement-middleware/dist/workflows/settlement-bridge.js b/services/settlement-middleware/dist/workflows/settlement-bridge.js
new file mode 100644
index 0000000..2b089f9
--- /dev/null
+++ b/services/settlement-middleware/dist/workflows/settlement-bridge.js
@@ -0,0 +1,118 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.resolveM2TokenAddress = resolveM2TokenAddress;
+exports.requiresCrossChainBridge = requiresCrossChainBridge;
+exports.bridgeAlreadyCompleted = bridgeAlreadyCompleted;
+exports.executeSettlementMintAndBridge = executeSettlementMintAndBridge;
+exports.primaryChainId = primaryChainId;
+const settlement_core_1 = require("@dbis/settlement-core");
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const bridge_1 = require("../adapters/bridge");
+const omnl_1 = require("../adapters/omnl");
+const PRIMARY_CHAIN_ID = 138;
+function loadTokenRegistry() {
+    const registryPath = process.env.OMNL_M2_TOKEN_REGISTRY ||
+        path_1.default.resolve(__dirname, '../../../config/omnl-m2-token-registry.v1.json');
+    return JSON.parse(fs_1.default.readFileSync(registryPath, 'utf8'));
+}
+function resolveM2TokenAddress(lineId, symbol) {
+    const registry = loadTokenRegistry();
+    const byLine = (0, settlement_core_1.findM2TokenByLineId)(registry, lineId);
+    if (byLine?.address.startsWith('0x') && byLine.address !== '0x0000000000000000000000000000000000000000') {
+        return byLine.address;
+    }
+    if (symbol) {
+        const bySym = registry.tokens.find((t) => t.symbol.toLowerCase() === symbol.toLowerCase());
+        if (bySym?.address.startsWith('0x') && bySym.address !== '0x0000000000000000000000000000000000000000') {
+            return bySym.address;
+        }
+    }
+    return undefined;
+}
+function requiresCrossChainBridge(req) {
+    return Boolean(req.convertToCrypto?.enabled &&
+        req.convertToCrypto.targetChainId !== PRIMARY_CHAIN_ID);
+}
+function bridgeAlreadyCompleted(record) {
+    return Boolean(record.bridgeTxHash ||
+        record.phase === 'CHAIN_BRIDGE_REQUESTED' ||
+        record.phase === 'CHAIN_BRIDGE_PENDING' ||
+        (record.phase === 'SETTLED' && record.destinationChainId && record.destinationChainId !== PRIMARY_CHAIN_ID));
+}
+async function executeSettlementMintAndBridge(record, params, advance) {
+    const req = record.request;
+    const crypto = req.convertToCrypto;
+    if (!crypto?.enabled) {
+        advance('CHAIN_MINT_REQUESTED');
+        advance('SETTLED');
+        return record;
+    }
+    const targetChainId = crypto.targetChainId;
+    const mintChainId = PRIMARY_CHAIN_ID;
+    if (targetChainId === mintChainId) {
+        const mint = await (0, omnl_1.requestTokenMint)({
+            lineId: crypto.tokenLineId,
+            amount: params.amount,
+            recipient: crypto.recipientAddress,
+            settlementRef: record.settlementId,
+            dryRun: params.dryRunMint,
+        });
+        advance('CHAIN_MINT_REQUESTED', {
+            chainTxHash: mint.txHash,
+            mintChainId,
+            destinationChainId: targetChainId,
+        });
+        advance('SETTLED');
+        return record;
+    }
+    const { bridgeRail } = (0, settlement_core_1.assertBridgeDestinationAllowed)(mintChainId, targetChainId, crypto.tokenLineId, crypto.bridgeRail);
+    if (bridgeAlreadyCompleted(record)) {
+        advance('SETTLED');
+        return record;
+    }
+    const tokenAddress = params.tokenAddress ?? resolveM2TokenAddress(crypto.tokenLineId);
+    const mint = await (0, omnl_1.requestTokenMint)({
+        lineId: crypto.tokenLineId,
+        amount: params.amount,
+        recipient: crypto.recipientAddress,
+        settlementRef: record.settlementId,
+        dryRun: params.dryRunMint,
+        mintToBridgeOperator: true,
+        targetChainId,
+    });
+    advance('CHAIN_MINT_REQUESTED', {
+        chainTxHash: mint.txHash,
+        mintChainId,
+        destinationChainId: targetChainId,
+    });
+    if (bridgeRail === 'trustless-lockbox' && !tokenAddress?.startsWith('0x')) {
+        record.errors.push(`tokenAddress required for trustless bridge (line ${crypto.tokenLineId})`);
+        advance('FAILED');
+        return record;
+    }
+    const bridge = await (0, bridge_1.requestChainBridge)({
+        settlementRef: record.settlementId,
+        destinationChainId: targetChainId,
+        tokenAddress,
+        amount: params.amount,
+        recipient: crypto.recipientAddress,
+        bridgeRail,
+        dryRun: params.dryRunBridge,
+    });
+    advance('CHAIN_BRIDGE_REQUESTED', {
+        bridgeTxHash: bridge.bridgeTxHash,
+        bridgeMessageId: bridge.messageId,
+    });
+    if (bridge.status === 'CHAIN_BRIDGE_PENDING' || bridge.status === 'DRY_RUN') {
+        advance('CHAIN_BRIDGE_PENDING');
+    }
+    advance('SETTLED');
+    return record;
+}
+function primaryChainId() {
+    return (0, settlement_core_1.loadOmnlChainRegistry)().primaryChainId || PRIMARY_CHAIN_ID;
+}
diff --git a/services/settlement-middleware/dist/workflows/token-load.js b/services/settlement-middleware/dist/workflows/token-load.js
index d48ca15..45640e6 100644
--- a/services/settlement-middleware/dist/workflows/token-load.js
+++ b/services/settlement-middleware/dist/workflows/token-load.js
@@ -10,8 +10,8 @@ const path_1 = __importDefault(require("path"));
 const settlement_core_1 = require("@dbis/settlement-core");
 const config_1 = require("../config");
 const fineract_1 = require("../adapters/fineract");
-const omnl_1 = require("../adapters/omnl");
 const settlement_store_1 = require("../store/settlement-store");
+const settlement_bridge_1 = require("./settlement-bridge");
 function loadTokenRegistry() {
     const registryPath = process.env.OMNL_M2_TOKEN_REGISTRY ||
         path_1.default.resolve(__dirname, '../../../config/omnl-m2-token-registry.v1.json');
@@ -38,6 +38,7 @@ async function processTokenLoad(input) {
     const profile = (0, config_1.loadOfficeProfile)();
     const officeId = (0, config_1.settlementOfficeId)(input.officeId);
     const req = { ...input, officeId };
+    const targetChainId = req.targetChainId ?? 138;
     const existing = settlement_store_1.settlementStore.getByIdempotencyKey(req.idempotencyKey);
     if (existing?.phase === 'SETTLED')
         return existing;
@@ -59,7 +60,7 @@ async function processTokenLoad(input) {
             rail: 'INTERNAL',
             convertToCrypto: {
                 enabled: true,
-                targetChainId: 138,
+                targetChainId,
                 tokenLineId: req.lineId,
                 recipientAddress: req.recipientAddress,
             },
@@ -112,17 +113,15 @@ async function processTokenLoad(input) {
         }
         advance('HYBX_RAIL_DISPATCHED');
         advance('ISO20022_ARCHIVED');
-        const mint = await (0, omnl_1.requestTokenMint)({
+        record = await (0, settlement_bridge_1.executeSettlementMintAndBridge)(record, {
             lineId: req.lineId,
             amount: loadAmount,
-            recipient: req.recipientAddress,
-            settlementRef: record.settlementId,
-            dryRun: !cfg.production.allowChainMintExecute,
-            symbol: req.symbol,
-            tokenAddress: resolveTokenAddress(req),
-        });
-        advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
-        advance('SETTLED');
+            tokenAddress: resolveTokenAddress(req) ?? (0, settlement_bridge_1.resolveM2TokenAddress)(req.lineId, req.symbol),
+            dryRunMint: !cfg.production.allowChainMintExecute,
+            dryRunBridge: !cfg.production.allowChainBridgeExecute,
+        }, advance);
+        if (record.phase === 'FAILED')
+            return record;
         return record;
     }
     catch (err) {
diff --git a/services/settlement-middleware/dist/workflows/z-bank-m0-m4.js b/services/settlement-middleware/dist/workflows/z-bank-m0-m4.js
new file mode 100644
index 0000000..5fa1ea5
--- /dev/null
+++ b/services/settlement-middleware/dist/workflows/z-bank-m0-m4.js
@@ -0,0 +1,205 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processZBankM0ToM4 = processZBankM0ToM4;
+const uuid_1 = require("uuid");
+const settlement_core_1 = require("@dbis/settlement-core");
+const config_1 = require("../config");
+const fineract_1 = require("../adapters/fineract");
+const hybx_production_1 = require("../adapters/hybx-production");
+const omnl_1 = require("../adapters/omnl");
+const swift_1 = require("../adapters/swift");
+const settlement_store_1 = require("../store/settlement-store");
+const settlement_bridge_1 = require("./settlement-bridge");
+function toExternalRequest(input, officeId) {
+    return {
+        idempotencyKey: input.idempotencyKey,
+        officeId,
+        valueDate: input.valueDate ?? new Date().toISOString().slice(0, 10),
+        currency: input.currency ?? 'USD',
+        amount: input.amount,
+        creditorIban: input.creditorIban,
+        creditorBic: input.creditorBic,
+        beneficiaryName: input.beneficiaryName ?? 'Z Online Bank',
+        orderingName: 'Z Online Bank — OMNL Office 24',
+        remittanceInfo: input.remittanceInfo ?? 'Z Online Bank full settlement M0→M4',
+        moneyLayers: settlement_core_1.ALL_MONEY_LAYERS,
+        rail: 'SWIFT',
+        swiftMessageKind: 'MT103',
+        convertToCrypto: input.recipientAddress
+            ? {
+                enabled: true,
+                targetChainId: input.targetChainId ?? 138,
+                tokenLineId: input.tokenLineId ?? 'USD-M2',
+                recipientAddress: input.recipientAddress,
+            }
+            : undefined,
+    };
+}
+async function processZBankM0ToM4(input) {
+    const cfg = (0, config_1.loadConfig)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    const officeId = (0, config_1.settlementOfficeId)(input.officeId);
+    const includeM3 = Boolean(input.recipientAddress?.trim());
+    const req = toExternalRequest(input, officeId);
+    const existing = settlement_store_1.settlementStore.getByIdempotencyKey(req.idempotencyKey);
+    if (existing?.phase === 'SETTLED')
+        return existing;
+    const now = new Date().toISOString();
+    let record = existing ?? {
+        settlementId: (0, uuid_1.v4)(),
+        idempotencyKey: req.idempotencyKey,
+        phase: 'RECEIVED',
+        request: req,
+        layerSteps: [],
+        errors: [],
+        createdAt: now,
+        updatedAt: now,
+    };
+    const advance = (phase, patch = {}) => {
+        record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+        settlement_store_1.settlementStore.save(record);
+    };
+    const glProfile = {
+        glM0: profile.settlement.glM0 ?? cfg.moneySupply.glM0 ?? '1050',
+        glM1: profile.settlement.glM1 ?? cfg.moneySupply.glM1 ?? '2100',
+        glM2: profile.settlement.glM2 ?? cfg.moneySupply.glM2 ?? '2200',
+        glM3: profile.settlement.glM3 ?? cfg.moneySupply.glM3 ?? '2300',
+        glM4NearMoney: profile.settlement.glM4NearMoney ?? cfg.moneySupply.glM4NearMoney ?? cfg.moneySupply.glSettlement ?? '1000',
+    };
+    try {
+        if (!(0, settlement_core_1.isIbanValid)(req.creditorIban)) {
+            throw new Error(`Invalid creditor IBAN: ${req.creditorIban}`);
+        }
+        advance('VALIDATED');
+        const verbiage = (0, settlement_core_1.rollExternalTransferVerbiage)(req);
+        advance('VERBIAGE_ROLLED', { verbiageDocument: verbiage });
+        const amount = parseFloat(req.amount) || 0;
+        const hops = (0, settlement_core_1.zBankM0ToM4Hops)(includeM3);
+        const steps = [];
+        let lastJournalRef;
+        if (amount > 0) {
+            const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+            const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+            for (const hop of hops) {
+                const pair = (0, settlement_core_1.resolveZBankLayerJournal)(hop.from, hop.to, glProfile);
+                if (!pair) {
+                    steps.push({
+                        from: hop.from,
+                        to: hop.to,
+                        debitGl: '',
+                        creditGl: '',
+                        status: 'skipped',
+                    });
+                    continue;
+                }
+                if (hop.to === 'M3') {
+                    const { fullyBacked } = (0, settlement_core_1.m2FiatToTokenLoadAmount)(req.amount, snap.M2.broadMoney);
+                    const m3Check = (0, settlement_core_1.m3TokenLoadAmount)(req.amount, snap.M2.broadMoney, snap.M3.tokenLiabilities);
+                    if (!fullyBacked || !m3Check.fullyBacked) {
+                        steps.push({
+                            from: hop.from,
+                            to: hop.to,
+                            debitGl: pair.debitGl,
+                            creditGl: pair.creditGl,
+                            status: 'failed',
+                        });
+                        throw new Error(`M2/M3 backing insufficient (${m3Check.loadAmount}/${req.amount} M3 headroom)`);
+                    }
+                }
+                const [debitGlId, creditGlId] = await Promise.all([
+                    (0, fineract_1.resolveGlAccountId)(pair.debitGl),
+                    (0, fineract_1.resolveGlAccountId)(pair.creditGl),
+                ]);
+                const ref = `${req.idempotencyKey}-${hop.from}${hop.to}`;
+                const je = await (0, fineract_1.postJournalEntry)({
+                    officeId,
+                    transactionDate: req.valueDate,
+                    referenceNumber: ref,
+                    comments: `${pair.narrative} · ${verbiage.slice(0, 200)}`,
+                    debits: [{ glAccountId: debitGlId, amount }],
+                    credits: [{ glAccountId: creditGlId, amount }],
+                });
+                lastJournalRef = String(je.resourceId);
+                steps.push({
+                    from: hop.from,
+                    to: hop.to,
+                    debitGl: pair.debitGl,
+                    creditGl: pair.creditGl,
+                    journalRef: lastJournalRef,
+                    status: 'posted',
+                });
+            }
+        }
+        advance('FINERACT_POSTED', { fineractJournalRef: lastJournalRef, layerSteps: steps });
+        if (cfg.rails.hybx.enabled) {
+            const hybx = new hybx_production_1.HybxProductionRail();
+            const pay = await hybx.dispatchPayment({
+                idempotencyKey: req.idempotencyKey,
+                amount: req.amount,
+                currency: req.currency,
+                creditorIban: req.creditorIban,
+                creditorBic: req.creditorBic,
+                beneficiaryName: req.beneficiaryName,
+                remittanceInfo: req.remittanceInfo,
+                rail: req.rail,
+            });
+            advance('HYBX_RAIL_DISPATCHED', { hybxPaymentId: pay.paymentId });
+        }
+        else {
+            advance('HYBX_RAIL_DISPATCHED');
+        }
+        const swiftRaw = (0, swift_1.buildMt103Stub)({
+            senderRef: req.idempotencyKey,
+            currency: req.currency,
+            amount: req.amount,
+            valueDate: req.valueDate,
+            orderingCustomer: req.orderingName ?? cfg.omnlLegalName,
+            beneficiary: req.beneficiaryName,
+            iban: req.creditorIban,
+            bic: req.creditorBic,
+            remittance: req.remittanceInfo,
+        });
+        if (cfg.rails.swift.enabled) {
+            await (0, swift_1.forwardSwiftToListener)(swiftRaw);
+        }
+        const iso = await (0, omnl_1.archiveIso20022)({
+            messageType: 'pacs.008',
+            direction: 'OUTBOUND',
+            raw: swiftRaw,
+            settlementRef: record.settlementId,
+        });
+        advance('ISO20022_ARCHIVED', { iso20022MessageId: iso.messageId });
+        if (req.convertToCrypto?.enabled && req.convertToCrypto.recipientAddress) {
+            const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+            const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+            const { loadAmount, fullyBacked } = (0, settlement_core_1.m2FiatToTokenLoadAmount)(req.amount, snap.M2.broadMoney);
+            const m3Check = (0, settlement_core_1.m3TokenLoadAmount)(loadAmount, snap.M2.broadMoney, snap.M3.tokenLiabilities);
+            if (fullyBacked && m3Check.fullyBacked) {
+                record = await (0, settlement_bridge_1.executeSettlementMintAndBridge)(record, {
+                    lineId: req.convertToCrypto.tokenLineId,
+                    amount: m3Check.loadAmount,
+                    tokenAddress: (0, settlement_bridge_1.resolveM2TokenAddress)(req.convertToCrypto.tokenLineId),
+                    dryRunMint: !cfg.production.allowChainMintExecute,
+                    dryRunBridge: !cfg.production.allowChainBridgeExecute,
+                }, advance);
+                if (record.phase === 'FAILED')
+                    return record;
+            }
+            else {
+                record.errors.push('M3 mint skipped — insufficient M2/M3 backing');
+                advance('CHAIN_MINT_REQUESTED');
+            }
+        }
+        else {
+            advance('CHAIN_MINT_REQUESTED');
+        }
+        advance('SETTLED');
+        return record;
+    }
+    catch (err) {
+        const msg = err instanceof Error ? err.message : String(err);
+        record.errors.push(msg);
+        advance('FAILED');
+        return record;
+    }
+}
diff --git a/services/settlement-middleware/dist/workflows/zbank-card-load.js b/services/settlement-middleware/dist/workflows/zbank-card-load.js
new file mode 100644
index 0000000..8a58c2f
--- /dev/null
+++ b/services/settlement-middleware/dist/workflows/zbank-card-load.js
@@ -0,0 +1,130 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processZBankCardLoad = processZBankCardLoad;
+const uuid_1 = require("uuid");
+const settlement_core_1 = require("@dbis/settlement-core");
+const fineract_1 = require("../adapters/fineract");
+const settlement_store_1 = require("../store/settlement-store");
+const zbank_pos_config_1 = require("../services/zbank-pos-config");
+const zbank_card_store_1 = require("../store/zbank-card-store");
+async function processZBankCardLoad(input) {
+    const cfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+    const officeId = input.officeId ?? cfg.officeId;
+    const product = (0, zbank_pos_config_1.findCardProduct)(cfg, input.cardProductId);
+    if (!product) {
+        throw new Error(`Unknown card product: ${input.cardProductId}`);
+    }
+    const amount = parseFloat(input.amount);
+    const minLoad = parseFloat(product.minLoad);
+    const maxBalance = parseFloat(product.maxBalance);
+    if (!Number.isFinite(amount) || amount < minLoad) {
+        throw new Error(`Minimum load is ${product.minLoad} ${product.currency}`);
+    }
+    const existing = settlement_store_1.settlementStore.getByIdempotencyKey(input.idempotencyKey);
+    if (existing?.phase === 'SETTLED') {
+        const cardId = existing.request.remittanceInfo?.match(/card (ZCARD-[A-Z0-9]+)/)?.[1];
+        return { settlement: existing, card: cardId ? zbank_card_store_1.zbankCardStore.getCard(cardId) : null };
+    }
+    const now = new Date().toISOString();
+    let record = existing ?? {
+        settlementId: (0, uuid_1.v4)(),
+        idempotencyKey: input.idempotencyKey,
+        phase: 'RECEIVED',
+        request: {
+            idempotencyKey: input.idempotencyKey,
+            officeId,
+            valueDate: now.slice(0, 10),
+            currency: input.currency ?? product.currency,
+            amount: input.amount,
+            creditorIban: 'ZBANK-CARD-LOAD',
+            beneficiaryName: input.cardholderName ?? 'Z Card holder',
+            remittanceInfo: `zBank card load · ${product.label}`,
+            moneyLayers: ['M2'],
+            rail: 'INTERNAL',
+        },
+        errors: [],
+        createdAt: now,
+        updatedAt: now,
+    };
+    const advance = (phase, patch = {}) => {
+        record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+        settlement_store_1.settlementStore.save(record);
+    };
+    try {
+        advance('VALIDATED');
+        const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+        const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+        const m2Available = parseFloat(snap.M2.broadMoney) || 0;
+        if (amount > m2Available) {
+            record.errors.push(`Insufficient M2 broad money (${snap.M2.broadMoney} available)`);
+            advance('FAILED');
+            return { settlement: record, card: null };
+        }
+        advance('VERBIAGE_ROLLED', {
+            verbiageDocument: [
+                `zBank prepaid card load`,
+                `Office ${officeId} · product ${product.id}`,
+                `Amount ${input.amount} ${product.currency}`,
+                `GL ${cfg.gl.loadSource} → ${cfg.gl.cardPrepaidLiability}`,
+            ].join('\n'),
+        });
+        const [m2GlId, cardGlId] = await Promise.all([
+            (0, fineract_1.resolveGlAccountId)(cfg.gl.loadSource),
+            (0, fineract_1.resolveGlAccountId)(cfg.gl.cardPrepaidLiability),
+        ]);
+        const je = await (0, fineract_1.postJournalEntry)({
+            officeId,
+            transactionDate: now.slice(0, 10),
+            referenceNumber: input.idempotencyKey,
+            comments: `zBank card load ${product.label}`,
+            debits: [{ glAccountId: m2GlId, amount }],
+            credits: [{ glAccountId: cardGlId, amount }],
+        });
+        advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+        advance('HYBX_RAIL_DISPATCHED');
+        advance('ISO20022_ARCHIVED');
+        const cardLast4 = (input.cardLast4 ?? String(Math.floor(1000 + Math.random() * 9000))).slice(-4);
+        const cardId = (0, zbank_card_store_1.newCardId)();
+        const existingCard = zbank_card_store_1.zbankCardStore.listCards(500).find((c) => c.cardLast4 === cardLast4 && c.productId === product.id);
+        let card = existingCard;
+        if (card) {
+            const newBal = (parseFloat(card.balance) + amount).toFixed(2);
+            if (parseFloat(newBal) > maxBalance) {
+                record.errors.push(`Card max balance ${product.maxBalance} exceeded`);
+                advance('FAILED');
+                return { settlement: record, card };
+            }
+            card = {
+                ...card,
+                balance: newBal,
+                updatedAt: now,
+                lastLoadAt: now,
+            };
+        }
+        else {
+            card = {
+                cardId,
+                productId: product.id,
+                productLabel: product.label,
+                officeId,
+                cardholderName: input.cardholderName ?? 'Z Card holder',
+                cardLast4,
+                currency: product.currency,
+                balance: amount.toFixed(2),
+                status: 'active',
+                createdAt: now,
+                updatedAt: now,
+                lastLoadAt: now,
+            };
+        }
+        zbank_card_store_1.zbankCardStore.saveCard(card);
+        record.request.remittanceInfo = `zBank card load · card ${card.cardId} ·••• ${cardLast4}`;
+        advance('SETTLED', { chainTxHash: card.cardId });
+        return { settlement: record, card };
+    }
+    catch (err) {
+        record.errors.push(err instanceof Error ? err.message : String(err));
+        advance('FAILED');
+        return { settlement: record, card: null };
+    }
+}
diff --git a/services/settlement-middleware/dist/workflows/zbank-pos-sale.js b/services/settlement-middleware/dist/workflows/zbank-pos-sale.js
new file mode 100644
index 0000000..1132f85
--- /dev/null
+++ b/services/settlement-middleware/dist/workflows/zbank-pos-sale.js
@@ -0,0 +1,86 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processZBankPosSale = processZBankPosSale;
+const fineract_1 = require("../adapters/fineract");
+const zbank_pos_config_1 = require("../services/zbank-pos-config");
+const zbank_card_store_1 = require("../store/zbank-card-store");
+async function processZBankPosSale(input) {
+    const cfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+    const officeId = input.officeId ?? cfg.officeId;
+    const terminal = (0, zbank_pos_config_1.findPosTerminal)(cfg, input.terminalId);
+    if (!terminal) {
+        throw new Error(`Unknown POS terminal: ${input.terminalId}`);
+    }
+    const dup = zbank_card_store_1.zbankCardStore.getSaleByIdempotency(input.idempotencyKey);
+    if (dup)
+        return dup;
+    const card = zbank_card_store_1.zbankCardStore.getCard(input.cardId);
+    const now = new Date().toISOString();
+    const amount = parseFloat(input.amount);
+    if (!card || card.status !== 'active') {
+        const declined = {
+            saleId: (0, zbank_card_store_1.newSaleId)(),
+            idempotencyKey: input.idempotencyKey,
+            cardId: input.cardId,
+            terminalId: input.terminalId,
+            merchantName: terminal.merchantName,
+            amount: input.amount,
+            currency: input.currency ?? 'USD',
+            status: 'declined',
+            declineReason: 'Card not found or blocked',
+            createdAt: now,
+        };
+        zbank_card_store_1.zbankCardStore.saveSale(declined);
+        return declined;
+    }
+    const balance = parseFloat(card.balance);
+    if (!Number.isFinite(amount) || amount <= 0 || amount > balance) {
+        const declined = {
+            saleId: (0, zbank_card_store_1.newSaleId)(),
+            idempotencyKey: input.idempotencyKey,
+            cardId: input.cardId,
+            terminalId: input.terminalId,
+            merchantName: terminal.merchantName,
+            amount: input.amount,
+            currency: input.currency ?? card.currency,
+            status: 'declined',
+            declineReason: amount > balance ? 'Insufficient card balance' : 'Invalid amount',
+            createdAt: now,
+        };
+        zbank_card_store_1.zbankCardStore.saveSale(declined);
+        return declined;
+    }
+    const [debitGlId, creditGlId] = await Promise.all([
+        (0, fineract_1.resolveGlAccountId)(cfg.gl.cardPrepaidLiability),
+        (0, fineract_1.resolveGlAccountId)(cfg.gl.posClearing),
+    ]);
+    const je = await (0, fineract_1.postJournalEntry)({
+        officeId,
+        transactionDate: now.slice(0, 10),
+        referenceNumber: input.idempotencyKey,
+        comments: `POS ${terminal.terminalId} · card •••${card.cardLast4}`,
+        debits: [{ glAccountId: debitGlId, amount }],
+        credits: [{ glAccountId: creditGlId, amount }],
+    });
+    const newBalance = (balance - amount).toFixed(2);
+    zbank_card_store_1.zbankCardStore.saveCard({
+        ...card,
+        balance: newBalance,
+        updatedAt: now,
+        lastSaleAt: now,
+    });
+    const approved = {
+        saleId: (0, zbank_card_store_1.newSaleId)(),
+        idempotencyKey: input.idempotencyKey,
+        cardId: input.cardId,
+        terminalId: input.terminalId,
+        merchantName: terminal.merchantName,
+        amount: input.amount,
+        currency: input.currency ?? card.currency,
+        fineractJournalRef: String(je.resourceId),
+        status: 'approved',
+        createdAt: now,
+    };
+    zbank_card_store_1.zbankCardStore.saveSale(approved);
+    return approved;
+}
diff --git a/services/settlement-middleware/dist/workflows/zbank-proof-of-funds.js b/services/settlement-middleware/dist/workflows/zbank-proof-of-funds.js
new file mode 100644
index 0000000..e08f2ac
--- /dev/null
+++ b/services/settlement-middleware/dist/workflows/zbank-proof-of-funds.js
@@ -0,0 +1,52 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.buildZBankProofOfFunds = buildZBankProofOfFunds;
+const crypto_1 = require("crypto");
+const settlement_core_1 = require("@dbis/settlement-core");
+const fineract_1 = require("../adapters/fineract");
+const zbank_pos_config_1 = require("../services/zbank-pos-config");
+const config_1 = require("../config");
+async function buildZBankProofOfFunds(officeId) {
+    const cfg = (0, zbank_pos_config_1.loadZBankPosConfig)();
+    const oid = officeId ?? cfg.officeId;
+    const middleware = (0, config_1.loadConfig)();
+    const balances = await (0, fineract_1.fetchGlBalances)(oid);
+    const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(oid, balances);
+    const glCodes = [cfg.proofOfFunds.primaryGlCode, ...cfg.proofOfFunds.secondaryGlCodes];
+    const glBalances = glCodes.map((code) => ({
+        glCode: code,
+        amount: balances[code] ?? '0',
+    }));
+    const primaryAmount = balances[cfg.proofOfFunds.primaryGlCode] ?? snap.M1.gl2100 ?? '0';
+    const generatedAt = new Date().toISOString();
+    const body = {
+        documentType: 'proof-of-funds',
+        generatedAtUtc: generatedAt,
+        settlementRef: `ZBANK-POF-${generatedAt.slice(0, 10).replace(/-/g, '')}`,
+        issuer: {
+            legalName: cfg.issuer.legalName,
+            brand: cfg.issuer.brand,
+            officeId: oid,
+            externalId: cfg.externalId,
+            guosmmNotice: cfg.issuer.guosmmNotice,
+        },
+        attestation: {
+            primaryGlCode: cfg.proofOfFunds.primaryGlCode,
+            primaryAmountUsd: primaryAmount,
+            currency: 'USD',
+            methodology: cfg.proofOfFunds.methodology,
+        },
+        moneySupply: snap,
+        glBalances,
+        cardProgram: {
+            prepaidGl: cfg.gl.cardPrepaidLiability,
+            prepaidPool: balances[cfg.gl.cardPrepaidLiability] ?? '0',
+            loadSourceGl: cfg.gl.loadSource,
+            posClearingGl: cfg.gl.posClearing,
+        },
+        omnlLegalName: middleware.omnlLegalName,
+        disclaimer: 'Accounting attestation from Fineract GL balances — not a bank guarantee letter. For correspondent banking use official SWIFT MT799/POF where required.',
+    };
+    const sha256 = (0, crypto_1.createHash)('sha256').update(JSON.stringify(body)).digest('hex');
+    return { ...body, integrity: { sha256 } };
+}
diff --git a/services/settlement-middleware/src/adapters/bridge.ts b/services/settlement-middleware/src/adapters/bridge.ts
new file mode 100644
index 0000000..2635816
--- /dev/null
+++ b/services/settlement-middleware/src/adapters/bridge.ts
@@ -0,0 +1,53 @@
+import axios from 'axios';
+
+export async function requestChainBridge(payload: {
+  settlementRef: string;
+  destinationChainId: number;
+  tokenAddress?: string;
+  amount: string;
+  recipient: string;
+  bridgeRail: 'ccip-weth9' | 'trustless-lockbox';
+  dryRun: boolean;
+  decimals?: number;
+  wrapNative?: boolean;
+}): Promise<{
+  bridgeTxHash?: string;
+  messageId?: string;
+  status: string;
+}> {
+  const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+  const key = process.env.OMNL_API_KEY || '';
+  const headers: Record<string, string> = { 'Content-Type': 'application/json' };
+  if (key) headers.Authorization = `Bearer ${key}`;
+
+  try {
+    const { data } = await axios.post(
+      `${base}/api/v1/omnl/settlement/bridge-to-chain`,
+      {
+        settlementRef: payload.settlementRef,
+        sourceChainId: 138,
+        destinationChainId: payload.destinationChainId,
+        tokenAddress: payload.tokenAddress,
+        amount: payload.amount,
+        recipient: payload.recipient,
+        bridgeRail: payload.bridgeRail,
+        dryRun: payload.dryRun,
+        decimals: payload.decimals,
+        wrapNative: payload.wrapNative,
+      },
+      { headers, timeout: 180000 },
+    );
+    return {
+      bridgeTxHash: data.bridgeTxHash,
+      messageId: data.messageId,
+      status: String(data.status ?? (payload.dryRun ? 'DRY_RUN' : 'CHAIN_BRIDGE_PENDING')),
+    };
+  } catch (err) {
+    if (axios.isAxiosError(err) && err.response?.status === 404) {
+      return {
+        status: payload.dryRun ? 'DRY_RUN' : 'PENDING_BRIDGE_ENDPOINT',
+      };
+    }
+    throw err;
+  }
+}
diff --git a/services/settlement-middleware/src/adapters/omnl.ts b/services/settlement-middleware/src/adapters/omnl.ts
index 8020be8..7e3aedf 100644
--- a/services/settlement-middleware/src/adapters/omnl.ts
+++ b/services/settlement-middleware/src/adapters/omnl.ts
@@ -32,6 +32,8 @@ export async function requestTokenMint(payload: {
   dryRun: boolean;
   symbol?: string;
   tokenAddress?: string;
+  mintToBridgeOperator?: boolean;
+  targetChainId?: number;
 }): Promise<{ txHash?: string; status: string }> {
   const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
   const key = process.env.OMNL_API_KEY || '';
diff --git a/services/settlement-middleware/src/api/routes/settlement.ts b/services/settlement-middleware/src/api/routes/settlement.ts
index dec5597..814416b 100644
--- a/services/settlement-middleware/src/api/routes/settlement.ts
+++ b/services/settlement-middleware/src/api/routes/settlement.ts
@@ -1,5 +1,5 @@
 import { Router, type Request, type Response } from 'express';
-import type { ExternalTransferRequest, TradeFinanceInstrument, TokenLoadRequest, TransferRequest, ZBankM0M4Request } from '@dbis/settlement-core';
+import type { ExternalTransferRequest, TradeFinanceInstrument, TokenLoadRequest, TransferRequest, ZBankM0M4Request, ZBankCardLoadRequest, ZBankPosSaleRequest } from '@dbis/settlement-core';
 import { buildMoneySupplySnapshot, loadOmnlChainRegistry, getActiveChains } from '@dbis/settlement-core';
 import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../../config';
 import {
@@ -13,9 +13,48 @@ import { bindOffice24 } from '../../workflows/office-scope';
 import { settlementStore } from '../../store/settlement-store';
 import { processSwiftInbound } from '../../workflows/swift-inbound';
 import { processZBankM0ToM4 } from '../../workflows/z-bank-m0-m4';
+import { buildZBankProofOfFunds } from '../../workflows/zbank-proof-of-funds';
+import { processZBankCardLoad } from '../../workflows/zbank-card-load';
+import { processZBankPosSale } from '../../workflows/zbank-pos-sale';
+import { loadZBankPosConfig } from '../../services/zbank-pos-config';
+import { zbankCardStore } from '../../store/zbank-card-store';
 import { fetchGlBalances, fineractOfficeReachable } from '../../adapters/fineract';
+import {
+  buildConsumerAccounts,
+  buildConsumerOverview,
+  buildConsumerTransactions,
+} from '../../services/zbank-consumer-banking';
+import { loadZBankConsumerConfig } from '../../services/zbank-consumer-config';
+import {
+  extractSessionToken,
+  loadZBankPortalAuthConfig,
+  loginWithPasscode,
+  portalAuthRequired,
+  verifySession,
+} from '../../services/zbank-portal-auth';
 import { requireApiKey } from '../../middleware/auth';
 
+function onlineBankEnabled(): boolean {
+  const cfg = loadConfig();
+  return cfg.production.onlineBankMode || process.env.OMNL_PUBLIC_MONEY_SUPPLY === '1';
+}
+
+function allowOnlineBankPublic(req: Request, res: Response): boolean {
+  if (onlineBankEnabled()) return true;
+  return requireApiKey(req, res);
+}
+
+function allowZBankConsumer(req: Request, res: Response): boolean {
+  if (!onlineBankEnabled()) return requireApiKey(req, res);
+  if (!portalAuthRequired()) return true;
+  const session = verifySession(extractSessionToken(req.headers.authorization));
+  if (!session) {
+    res.status(401).json({ error: 'Portal login required' });
+    return false;
+  }
+  return true;
+}
+
 async function respondPublicMoneySupply(res: Response, officeId: number): Promise<void> {
   const cfg = loadConfig();
   const allow =
@@ -236,6 +275,7 @@ export function createSettlementRouter(): Router {
   router.post('/convert/fiat-to-crypto', async (req, res) => {
     if (!requireApiKey(req, res)) return;
     try {
+      // convertToCrypto.targetChainId: 138 (default) or 1 (mint on 138 + CCIP/trustless bridge to Ethereum)
       const body = req.body as ExternalTransferRequest;
       const merged = bindOffice24({
         ...body,
@@ -352,5 +392,203 @@ export function createSettlementRouter(): Router {
     }
   });
 
+  router.get('/z-bank/auth/bootstrap', (req, res) => {
+    if (!allowOnlineBankPublic(req, res)) return;
+    try {
+      const cfg = loadZBankPortalAuthConfig();
+      res.json({
+        requireAuth: portalAuthRequired(),
+        users: cfg.users.map((u) => ({ phone: u.phone, displayName: u.displayName })),
+      });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/z-bank/auth/login', (req, res) => {
+    if (!allowOnlineBankPublic(req, res)) return;
+    const phone = String(req.body?.phone ?? '').trim();
+    const passcode = String(req.body?.passcode ?? '');
+    if (!phone || !passcode) {
+      res.status(400).json({ error: 'Phone and passcode are required' });
+      return;
+    }
+    try {
+      const { token, session } = loginWithPasscode(phone, passcode);
+      res.json({
+        token,
+        session: {
+          userId: session.userId,
+          displayName: session.displayName,
+          phone: session.phone,
+          email: session.email,
+        },
+      });
+    } catch (e) {
+      res.status(401).json({ error: e instanceof Error ? e.message : 'Login failed' });
+    }
+  });
+
+  router.get('/z-bank/auth/session', (req, res) => {
+    if (!allowOnlineBankPublic(req, res)) return;
+    const session = verifySession(extractSessionToken(req.headers.authorization));
+    if (!session) {
+      res.status(401).json({ error: 'Invalid or expired session' });
+      return;
+    }
+    res.json({
+      session: {
+        userId: session.userId,
+        displayName: session.displayName,
+        phone: session.phone,
+        email: session.email,
+      },
+    });
+  });
+
+  router.post('/z-bank/auth/logout', (req, res) => {
+    if (!allowOnlineBankPublic(req, res)) return;
+    res.json({ ok: true });
+  });
+
+  router.get('/z-bank/consumer/overview', async (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    try {
+      res.json(await buildConsumerOverview());
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/consumer/profile', async (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    try {
+      const overview = await buildConsumerOverview();
+      res.json({ profile: overview.profile, limits: overview.limits });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/consumer/accounts', async (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    try {
+      const posCfg = loadZBankPosConfig();
+      const { accounts, totalBalance, fineractConnected, fineractLive } = await buildConsumerAccounts(
+        posCfg.officeId,
+      );
+      res.json({ accounts, totalBalance, totalBalanceCurrency: 'USD', fineractConnected, fineractLive });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/consumer/cards', (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    buildConsumerOverview()
+      .then((o) => res.json({ cards: o.cards }))
+      .catch((e) => res.status(500).json({ error: e instanceof Error ? e.message : String(e) }));
+  });
+
+  router.get('/z-bank/consumer/transactions', (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    const limit = Number(req.query.limit ?? 50);
+    res.json({ transactions: buildConsumerTransactions(limit) });
+  });
+
+  router.get('/z-bank/consumer/limits', (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    res.json(loadZBankConsumerConfig().limits);
+  });
+
+  router.get('/z-bank/consumer/accounts/:accountId', async (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    try {
+      const posCfg = loadZBankPosConfig();
+      const { accounts } = await buildConsumerAccounts(posCfg.officeId);
+      const account = accounts.find((a) => a.id === req.params.accountId);
+      if (!account) {
+        res.status(404).json({ error: 'Account not found' });
+        return;
+      }
+      res.json(account);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/proof-of-funds', async (req, res) => {
+    const cfg = loadConfig();
+    const allowPublic =
+      cfg.production.onlineBankMode || process.env.OMNL_PUBLIC_MONEY_SUPPLY === '1';
+    if (!allowPublic && !requireApiKey(req, res)) return;
+    try {
+      const officeRaw = String(req.query.officeId ?? '').trim();
+      const officeId = officeRaw ? parseInt(officeRaw, 10) : loadZBankPosConfig().officeId;
+      res.json(await buildZBankProofOfFunds(officeId));
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/pos/config', (_req, res) => {
+    try {
+      const cfg = loadZBankPosConfig();
+      res.json({
+        officeId: cfg.officeId,
+        issuer: cfg.issuer,
+        cardProducts: cfg.cardProducts,
+        posTerminals: cfg.posTerminals,
+      });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/z-bank/pos/cards', (req, res) => {
+    if (!allowZBankConsumer(req, res)) return;
+    res.json({ cards: zbankCardStore.listCards(Number(req.query.limit ?? 50)) });
+  });
+
+  router.get('/z-bank/pos/cards/:cardId', (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    const card = zbankCardStore.getCard(req.params.cardId);
+    if (!card) {
+      res.status(404).json({ error: 'Card not found' });
+      return;
+    }
+    res.json(card);
+  });
+
+  router.post('/z-bank/pos/card-load', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as ZBankCardLoadRequest;
+      if (!body.idempotencyKey || !body.cardProductId || !body.amount) {
+        res.status(400).json({ error: 'idempotencyKey, cardProductId, amount required' });
+        return;
+      }
+      const out = await processZBankCardLoad(body);
+      res.status(out.settlement.phase === 'FAILED' ? 422 : 200).json(out);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/z-bank/pos/sale', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as ZBankPosSaleRequest;
+      if (!body.idempotencyKey || !body.cardId || !body.terminalId || !body.amount) {
+        res.status(400).json({ error: 'idempotencyKey, cardId, terminalId, amount required' });
+        return;
+      }
+      const sale = await processZBankPosSale(body);
+      res.status(sale?.status === 'declined' ? 422 : 200).json(sale);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
   return router;
 }
diff --git a/services/settlement-middleware/src/config.ts b/services/settlement-middleware/src/config.ts
index 155da7f..22277e8 100644
--- a/services/settlement-middleware/src/config.ts
+++ b/services/settlement-middleware/src/config.ts
@@ -63,6 +63,7 @@ export type MiddlewareConfig = {
     requireApiKey: boolean;
     allowHybxProduction: boolean;
     allowChainMintExecute: boolean;
+    allowChainBridgeExecute: boolean;
     onlineBankMode?: boolean;
   };
 };
@@ -80,6 +81,15 @@ export function loadConfig(): MiddlewareConfig {
     process.env.SETTLEMENT_MIDDLEWARE_CONFIG ||
     repoConfigPath('config/settlement-middleware.v1.json');
   cached = JSON.parse(fs.readFileSync(configPath, 'utf8')) as MiddlewareConfig;
+  if (cached.production.allowChainBridgeExecute === undefined) {
+    cached.production.allowChainBridgeExecute = false;
+  }
+  if (process.env.SETTLEMENT_ALLOW_CHAIN_BRIDGE_EXECUTE === '1') {
+    cached.production.allowChainBridgeExecute = true;
+  }
+  if (process.env.SETTLEMENT_ALLOW_CHAIN_MINT_EXECUTE === '1') {
+    cached.production.allowChainMintExecute = true;
+  }
   return cached;
 }
 
diff --git a/services/settlement-middleware/src/index.ts b/services/settlement-middleware/src/index.ts
index 919126c..23c2ab4 100644
--- a/services/settlement-middleware/src/index.ts
+++ b/services/settlement-middleware/src/index.ts
@@ -3,8 +3,20 @@ import path from 'path';
 import { existsSync } from 'fs';
 import { startServer } from './server';
 
-const rootEnv = path.resolve(__dirname, '../../../.env');
-if (existsSync(rootEnv)) dotenv.config({ path: rootEnv });
+const envCandidates = [
+  path.resolve(__dirname, '../../../.env'),
+  path.resolve(__dirname, '../../.env'),
+  path.resolve(__dirname, '../.env'),
+];
+for (const envPath of envCandidates) {
+  if (existsSync(envPath)) {
+    dotenv.config({ path: envPath });
+  }
+}
+const serviceEnv = path.resolve(__dirname, '../.env');
+if (existsSync(serviceEnv)) {
+  dotenv.config({ path: serviceEnv, override: true });
+}
 dotenv.config();
 
-startServer();
+startServer();
\ No newline at end of file
diff --git a/services/settlement-middleware/src/services/zbank-consumer-banking.ts b/services/settlement-middleware/src/services/zbank-consumer-banking.ts
new file mode 100644
index 0000000..89504c8
--- /dev/null
+++ b/services/settlement-middleware/src/services/zbank-consumer-banking.ts
@@ -0,0 +1,360 @@
+import type { SettlementRecord, ZBankPosSaleRecord, ZBankPrepaidCard } from '@dbis/settlement-core';
+import { buildMoneySupplySnapshot } from '@dbis/settlement-core';
+import { fetchGlBalances, fineractOfficeReachable } from '../adapters/fineract';
+import { loadOfficeProfile } from '../config';
+import { settlementStore } from '../store/settlement-store';
+import { zbankCardStore } from '../store/zbank-card-store';
+import { loadZBankPosConfig } from './zbank-pos-config';
+import { loadZBankConsumerConfig, type ZBankConsumerConfig } from './zbank-consumer-config';
+
+export type ConsumerAccount = {
+  id: string;
+  currency: string;
+  name: string;
+  flag: string;
+  balance: string;
+  availableBalance: string;
+  type: 'current' | 'savings' | 'reserve' | 'crypto' | 'fiat_rail';
+  moneyLayer: string;
+  details: {
+    iban: string | null;
+    bic: string;
+    accountNumber: string;
+    sortCode?: string | null;
+    routingNumber?: string;
+    bankName: string;
+    bankAddress: string;
+    shareText: string;
+    accountName?: string;
+  };
+};
+
+export type ConsumerCard = {
+  cardId: string;
+  tier: string;
+  label: string;
+  gradient: string;
+  network: string;
+  last4: string;
+  cardholderName: string;
+  currency: string;
+  balance: string;
+  status: 'active' | 'frozen' | 'virtual';
+  productId: string;
+  expiry?: string;
+};
+
+export type ConsumerTransaction = {
+  id: string;
+  type: 'transfer' | 'exchange' | 'card_payment' | 'card_load' | 'deposit' | 'settlement' | 'fee';
+  title: string;
+  subtitle: string;
+  amount: string;
+  currency: string;
+  direction: 'in' | 'out';
+  status: 'completed' | 'pending' | 'failed';
+  createdAt: string;
+  reference?: string;
+};
+
+export type ConsumerOverview = {
+  asOf: string;
+  profile: {
+    displayName: string;
+    plan: string;
+    planTier: string;
+    planPrice: string;
+    email: string;
+    phone: string;
+    address: ZBankConsumerConfig['profile']['address'];
+    memberSince: string;
+    kycStatus: string;
+    kycLevel: string;
+    officeId: number;
+    externalId: string;
+  };
+  totalBalance: string;
+  totalBalanceCurrency: string;
+  accounts: ConsumerAccount[];
+  cards: ConsumerCard[];
+  transactions: ConsumerTransaction[];
+  limits: ZBankConsumerConfig['limits'];
+  fineractConnected: boolean;
+  fineractLive: boolean;
+};
+
+const ACCOUNT_FLAGS: Record<string, string> = {
+  USD: '🇺🇸',
+  EUR: '🇪🇺',
+  GBP: '🇬🇧',
+  SAVINGS: '💰',
+  RESERVE: '🏦',
+  CRYPTO: '⛓',
+};
+
+function parseTs(iso?: string): number {
+  return iso ? Date.parse(iso) || 0 : 0;
+}
+
+function settlementToTransaction(r: SettlementRecord): ConsumerTransaction | null {
+  const req = r.request;
+  const amount = req.amount ?? '0';
+  const currency = req.currency ?? 'USD';
+  const failed = r.phase === 'FAILED';
+  const pending = !failed && r.phase !== 'SETTLED';
+  const remittance = req.remittanceInfo ?? req.beneficiaryName ?? r.settlementId;
+  const outbound = Boolean(req.creditorIban || req.beneficiaryName);
+
+  let type: ConsumerTransaction['type'] = 'settlement';
+  if (remittance.toLowerCase().includes('card load')) type = 'card_load';
+  else if (req.rail?.includes('SWIFT') || req.creditorIban) type = 'transfer';
+  else if (remittance.toLowerCase().includes('swap') || remittance.toLowerCase().includes('exchange')) {
+    type = 'exchange';
+  }
+
+  return {
+    id: r.settlementId,
+    type,
+    title: remittance.slice(0, 64) || 'Settlement',
+    subtitle: `${req.rail ?? 'OMNL'} · ${r.phase}`,
+    amount,
+    currency,
+    direction: type === 'card_load' ? 'in' : outbound ? 'out' : 'in',
+    status: failed ? 'failed' : pending ? 'pending' : 'completed',
+    createdAt: r.updatedAt ?? r.createdAt,
+    reference: r.fineractJournalRef ?? r.hybxPaymentId,
+  };
+}
+
+function saleToTransaction(s: ZBankPosSaleRecord): ConsumerTransaction {
+  return {
+    id: s.saleId,
+    type: 'card_payment',
+    title: s.merchantName,
+    subtitle: `Card •••• ${s.cardId.slice(-4)} · ${s.terminalId}`,
+    amount: s.amount,
+    currency: s.currency,
+    direction: 'out',
+    status: s.status === 'approved' ? 'completed' : 'failed',
+    createdAt: s.createdAt,
+    reference: s.fineractJournalRef,
+  };
+}
+
+function cardToDisplay(card: ZBankPrepaidCard, cfg: ReturnType<typeof loadZBankConsumerConfig>): ConsumerCard {
+  const tierMeta = cfg.cardTierMap[card.productId] ?? {
+    tier: 'standard',
+    label: card.productLabel,
+    gradient: 'standard',
+    network: 'Visa',
+  };
+  return {
+    cardId: card.cardId,
+    tier: tierMeta.tier,
+    label: tierMeta.label,
+    gradient: tierMeta.gradient,
+    network: tierMeta.network,
+    last4: card.cardLast4,
+    cardholderName: card.cardholderName,
+    currency: card.currency,
+    balance: card.balance,
+    status: card.status === 'blocked' ? 'frozen' : 'active',
+    productId: card.productId,
+    expiry: '12/28',
+  };
+}
+
+function virtualCards(cfg: ReturnType<typeof loadZBankConsumerConfig>, holder: string): ConsumerCard[] {
+  return cfg.virtualCardProducts.map((p, i) => ({
+    cardId: `virtual-${p.productId}`,
+    tier: p.tier,
+    label: p.label,
+    gradient: p.gradient,
+    network: p.network,
+    last4: String(9000 + i * 111).slice(-4),
+    cardholderName: holder,
+    currency: 'USD',
+    balance: '0.00',
+    status: 'virtual' as const,
+    productId: p.productId,
+    expiry: '12/28',
+  }));
+}
+
+export function buildConsumerTransactions(limit = 50): ConsumerTransaction[] {
+  const settlements = settlementStore
+    .list(200)
+    .map(settlementToTransaction)
+    .filter(Boolean) as ConsumerTransaction[];
+
+  const sales = zbankCardStore.listSales(100).map(saleToTransaction);
+
+  return [...settlements, ...sales]
+    .sort((a, b) => parseTs(b.createdAt) - parseTs(a.createdAt))
+    .slice(0, limit);
+}
+
+export async function buildConsumerAccounts(
+  officeId: number,
+): Promise<{ accounts: ConsumerAccount[]; totalBalance: string; fineractConnected: boolean; fineractLive: boolean }> {
+  const cfg = loadZBankConsumerConfig();
+  const posCfg = loadZBankPosConfig();
+  const balances = await fetchGlBalances(officeId);
+  const snap = buildMoneySupplySnapshot(officeId, balances);
+  const fineractConnected = await fineractOfficeReachable(officeId);
+  const hasActivity = Object.values(balances).some((v) => Math.abs(parseFloat(v) || 0) > 0);
+  const fineractLive = fineractConnected && hasActivity;
+
+  const m1 = snap.M1.circulating ?? snap.M1.gl2100 ?? '0';
+  const m2 = snap.M2.broadMoney ?? snap.M2.gl2200 ?? '0';
+  const m0 = snap.M0.gl1050 ?? '0';
+  const m3 = snap.M3.tokenLiabilities ?? snap.M3.gl2300 ?? '0';
+  const m4 = snap.M4.nearMoney ?? snap.M4.gl1000 ?? '0';
+  const cardPool = balances[posCfg.gl.cardPrepaidLiability] ?? '0';
+
+  const usdDetails = cfg.accountDetails.USD;
+  const eurDetails = cfg.accountDetails.EUR;
+  const gbpDetails = cfg.accountDetails.GBP;
+
+  const accounts: ConsumerAccount[] = [
+    {
+      id: 'usd-main',
+      currency: 'USD',
+      name: 'Main · USD',
+      flag: ACCOUNT_FLAGS.USD,
+      balance: m1,
+      availableBalance: m1,
+      type: 'current',
+      moneyLayer: 'M1',
+      details: usdDetails,
+    },
+    {
+      id: 'usd-savings',
+      currency: 'USD',
+      name: 'Savings',
+      flag: ACCOUNT_FLAGS.SAVINGS,
+      balance: m2,
+      availableBalance: m2,
+      type: 'savings',
+      moneyLayer: 'M2',
+      details: { ...usdDetails, accountName: 'USD Savings (M2 tokenized)' },
+    },
+    {
+      id: 'eur',
+      currency: 'EUR',
+      name: 'Euro',
+      flag: ACCOUNT_FLAGS.EUR,
+      balance: '0.00',
+      availableBalance: '0.00',
+      type: 'current',
+      moneyLayer: 'M1',
+      details: eurDetails,
+    },
+    {
+      id: 'gbp',
+      currency: 'GBP',
+      name: 'British Pound',
+      flag: ACCOUNT_FLAGS.GBP,
+      balance: '0.00',
+      availableBalance: '0.00',
+      type: 'current',
+      moneyLayer: 'M1',
+      details: gbpDetails,
+    },
+    {
+      id: 'usd-cards',
+      currency: 'USD',
+      name: 'Card balance',
+      flag: '💳',
+      balance: cardPool,
+      availableBalance: cardPool,
+      type: 'current',
+      moneyLayer: 'M2',
+      details: { ...usdDetails, accountName: 'Prepaid card pool (GL 2210)' },
+    },
+    {
+      id: 'reserve',
+      currency: 'USD',
+      name: 'Reserve',
+      flag: ACCOUNT_FLAGS.RESERVE,
+      balance: m0,
+      availableBalance: m0,
+      type: 'reserve',
+      moneyLayer: 'M0',
+      details: { ...usdDetails, accountName: 'M0 base money reserve' },
+    },
+    {
+      id: 'crypto',
+      currency: 'USD',
+      name: 'On-chain',
+      flag: ACCOUNT_FLAGS.CRYPTO,
+      balance: m3,
+      availableBalance: m3,
+      type: 'crypto',
+      moneyLayer: 'M3',
+      details: { ...usdDetails, accountName: 'M3 digital / on-chain' },
+    },
+    {
+      id: 'swift',
+      currency: 'USD',
+      name: 'SWIFT rails',
+      flag: '🌐',
+      balance: m4,
+      availableBalance: m4,
+      type: 'fiat_rail',
+      moneyLayer: 'M4',
+      details: { ...usdDetails, accountName: 'M4 SWIFT settlement' },
+    },
+  ];
+
+  const total = (
+    parseFloat(m1 || '0') +
+    parseFloat(m2 || '0') +
+    parseFloat(cardPool || '0')
+  ).toFixed(2);
+
+  return { accounts, totalBalance: total, fineractConnected, fineractLive };
+}
+
+export async function buildConsumerOverview(): Promise<ConsumerOverview> {
+  const cfg = loadZBankConsumerConfig();
+  const posCfg = loadZBankPosConfig();
+  const office = loadOfficeProfile();
+  const holder = office.name?.split('—')[0]?.trim() ?? 'Z Bank Customer';
+
+  const { accounts, totalBalance, fineractConnected, fineractLive } = await buildConsumerAccounts(posCfg.officeId);
+
+  const storedCards = zbankCardStore.listCards(20);
+  const cards =
+    storedCards.length > 0
+      ? storedCards.map((c) => cardToDisplay(c, cfg))
+      : virtualCards(cfg, holder);
+
+  const transactions = buildConsumerTransactions(30);
+
+  return {
+    asOf: new Date().toISOString(),
+    profile: {
+      displayName: holder,
+      plan: cfg.profile.plan,
+      planTier: cfg.profile.planTier,
+      planPrice: cfg.profile.planPrice,
+      email: cfg.profile.email,
+      phone: cfg.profile.phone,
+      address: cfg.profile.address,
+      memberSince: cfg.profile.memberSince,
+      kycStatus: cfg.profile.kycStatus,
+      kycLevel: cfg.profile.kycLevel,
+      officeId: posCfg.officeId,
+      externalId: posCfg.externalId,
+    },
+    totalBalance,
+    totalBalanceCurrency: 'USD',
+    accounts,
+    cards,
+    transactions,
+    limits: cfg.limits,
+    fineractConnected,
+    fineractLive,
+  };
+}
diff --git a/services/settlement-middleware/src/services/zbank-consumer-config.ts b/services/settlement-middleware/src/services/zbank-consumer-config.ts
new file mode 100644
index 0000000..31e9b30
--- /dev/null
+++ b/services/settlement-middleware/src/services/zbank-consumer-config.ts
@@ -0,0 +1,72 @@
+import fs from 'fs';
+import path from 'path';
+
+export type ZBankConsumerConfig = {
+  version: string;
+  profile: {
+    plan: string;
+    planTier: string;
+    planPrice: string;
+    email: string;
+    phone: string;
+    address: {
+      line1: string;
+      city: string;
+      postcode: string;
+      country: string;
+      countryName: string;
+    };
+    memberSince: string;
+    kycStatus: string;
+    kycLevel: string;
+  };
+  accountDetails: Record<
+    string,
+    {
+      accountName: string;
+      iban: string | null;
+      bic: string;
+      accountNumber: string;
+      sortCode?: string | null;
+      routingNumber?: string;
+      bankName: string;
+      bankAddress: string;
+      shareText: string;
+    }
+  >;
+  limits: {
+    currency: string;
+    dailyTransferLimit: string;
+    dailyTransferUsed: string;
+    monthlyTransferLimit: string;
+    monthlyTransferUsed: string;
+    cardSpendDailyLimit: string;
+    cardSpendDailyUsed: string;
+    atmDailyLimit: string;
+    atmDailyUsed: string;
+    topUpMonthlyLimit: string;
+  };
+  cardTierMap: Record<string, { tier: string; label: string; gradient: string; network: string }>;
+  virtualCardProducts: Array<{
+    tier: string;
+    label: string;
+    gradient: string;
+    productId: string;
+    network: string;
+  }>;
+};
+
+let cached: ZBankConsumerConfig | null = null;
+
+function repoConfigPath(relative: string): string {
+  return path.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+
+export function loadZBankConsumerConfig(): ZBankConsumerConfig {
+  if (cached) return cached;
+  const configPath =
+    process.env.ZBANK_CONSUMER_CONFIG?.trim() ||
+    repoConfigPath('config/zbank-consumer-account.v1.json');
+  cached = JSON.parse(fs.readFileSync(configPath, 'utf8')) as ZBankConsumerConfig;
+  return cached;
+}
diff --git a/services/settlement-middleware/src/services/zbank-portal-auth.ts b/services/settlement-middleware/src/services/zbank-portal-auth.ts
new file mode 100644
index 0000000..71b7c43
--- /dev/null
+++ b/services/settlement-middleware/src/services/zbank-portal-auth.ts
@@ -0,0 +1,169 @@
+import { createHash, createHmac, randomBytes, timingSafeEqual } from 'crypto';
+import fs from 'fs';
+import path from 'path';
+
+export type ZBankPortalUser = {
+  id: string;
+  phone: string;
+  displayName: string;
+  email?: string;
+};
+
+export type ZBankPortalAuthConfig = {
+  version: string;
+  sessionTtlHours: number;
+  maxAttempts: number;
+  lockoutMinutes: number;
+  users: ZBankPortalUser[];
+};
+
+export type PortalSession = {
+  userId: string;
+  displayName: string;
+  phone: string;
+  email?: string;
+  iat: number;
+  exp: number;
+};
+
+const attemptLog = new Map<string, { count: number; lockedUntil?: number }>();
+let cachedConfig: ZBankPortalAuthConfig | null = null;
+
+function repoConfigPath(relative: string): string {
+  return path.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+
+export function loadZBankPortalAuthConfig(): ZBankPortalAuthConfig {
+  if (cachedConfig) return cachedConfig;
+  const configPath =
+    process.env.ZBANK_PORTAL_AUTH_CONFIG?.trim() ||
+    repoConfigPath('config/zbank-portal-auth.v1.json');
+  cachedConfig = JSON.parse(fs.readFileSync(configPath, 'utf8')) as ZBankPortalAuthConfig;
+  return cachedConfig;
+}
+
+function sessionSecret(): string {
+  const secret = process.env.ZBANK_PORTAL_SESSION_SECRET?.trim();
+  if (!secret || secret.length < 16) {
+    throw new Error('ZBANK_PORTAL_SESSION_SECRET must be set (min 16 chars) for portal login');
+  }
+  return secret;
+}
+
+function configuredPasscode(): string {
+  const code = process.env.ZBANK_PORTAL_PASSCODE?.trim();
+  if (!code) throw new Error('ZBANK_PORTAL_PASSCODE is not configured');
+  return code;
+}
+
+function normalizePhone(input: string): string {
+  return input.replace(/[\s-]/g, '');
+}
+
+function signPayload(payload: string): string {
+  return createHmac('sha256', sessionSecret()).update(payload).digest('base64url');
+}
+
+export function issueSession(user: ZBankPortalUser): string {
+  const cfg = loadZBankPortalAuthConfig();
+  const now = Math.floor(Date.now() / 1000);
+  const body: PortalSession = {
+    userId: user.id,
+    displayName: user.displayName,
+    phone: user.phone,
+    email: user.email,
+    iat: now,
+    exp: now + cfg.sessionTtlHours * 3600,
+  };
+  const payload = Buffer.from(JSON.stringify(body)).toString('base64url');
+  return `${payload}.${signPayload(payload)}`;
+}
+
+export function verifySession(token: string | undefined): PortalSession | null {
+  if (!token?.includes('.')) return null;
+  const [payload, sig] = token.split('.', 2);
+  if (!payload || !sig) return null;
+  const expected = signPayload(payload);
+  try {
+    const a = Buffer.from(sig);
+    const b = Buffer.from(expected);
+    if (a.length !== b.length || !timingSafeEqual(a, b)) return null;
+  } catch {
+    return null;
+  }
+  try {
+    const session = JSON.parse(Buffer.from(payload, 'base64url').toString('utf8')) as PortalSession;
+    if (!session.exp || session.exp < Math.floor(Date.now() / 1000)) return null;
+    return session;
+  } catch {
+    return null;
+  }
+}
+
+export function extractSessionToken(authHeader: string | undefined): string | undefined {
+  if (!authHeader) return undefined;
+  const m = authHeader.match(/^Bearer\s+(.+)$/i);
+  return m?.[1]?.trim();
+}
+
+function secureCompare(a: string, b: string): boolean {
+  const ha = createHash('sha256').update(a).digest();
+  const hb = createHash('sha256').update(b).digest();
+  return timingSafeEqual(ha, hb);
+}
+
+function checkLockout(key: string): string | null {
+  const entry = attemptLog.get(key);
+  if (entry?.lockedUntil && entry.lockedUntil > Date.now()) {
+    const mins = Math.ceil((entry.lockedUntil - Date.now()) / 60000);
+    return `Too many attempts. Try again in ${mins} minute(s).`;
+  }
+  return null;
+}
+
+function recordFailedAttempt(key: string): void {
+  const cfg = loadZBankPortalAuthConfig();
+  const entry = attemptLog.get(key) ?? { count: 0 };
+  entry.count += 1;
+  if (entry.count >= cfg.maxAttempts) {
+    entry.lockedUntil = Date.now() + cfg.lockoutMinutes * 60_000;
+    entry.count = 0;
+  }
+  attemptLog.set(key, entry);
+}
+
+export function loginWithPasscode(
+  phone: string,
+  passcode: string,
+): { token: string; session: PortalSession } {
+  const cfg = loadZBankPortalAuthConfig();
+  const normalized = normalizePhone(phone);
+  const lockKey = createHash('sha256').update(normalized).digest('hex').slice(0, 16);
+  const locked = checkLockout(lockKey);
+  if (locked) throw new Error(locked);
+
+  const user = cfg.users.find((u) => normalizePhone(u.phone) === normalized);
+  if (!user) {
+    recordFailedAttempt(lockKey);
+    throw new Error('Invalid phone number or passcode');
+  }
+
+  if (!secureCompare(passcode, configuredPasscode())) {
+    recordFailedAttempt(lockKey);
+    throw new Error('Invalid phone number or passcode');
+  }
+
+  attemptLog.delete(lockKey);
+  const token = issueSession(user);
+  const session = verifySession(token);
+  if (!session) throw new Error('Failed to create session');
+  return { token, session };
+}
+
+export function portalAuthRequired(): boolean {
+  return process.env.ZBANK_PORTAL_REQUIRE_AUTH === '1' || process.env.ZBANK_PORTAL_REQUIRE_AUTH === 'true';
+}
+
+export function generateSessionSecret(): string {
+  return randomBytes(32).toString('hex');
+}
diff --git a/services/settlement-middleware/src/services/zbank-pos-config.ts b/services/settlement-middleware/src/services/zbank-pos-config.ts
new file mode 100644
index 0000000..058408c
--- /dev/null
+++ b/services/settlement-middleware/src/services/zbank-pos-config.ts
@@ -0,0 +1,42 @@
+import fs from 'fs';
+import path from 'path';
+
+export type ZBankPosConfig = {
+  version: string;
+  officeId: number;
+  externalId: string;
+  issuer: { legalName: string; brand: string; guosmmNotice: string };
+  gl: { loadSource: string; cardPrepaidLiability: string; posClearing: string; pofPrimary: string };
+  proofOfFunds: { primaryGlCode: string; secondaryGlCodes: string[]; methodology: string };
+  cardProducts: Array<{
+    id: string;
+    label: string;
+    currency: string;
+    network: string;
+    maxBalance: string;
+    minLoad: string;
+  }>;
+  posTerminals: Array<{ terminalId: string; merchantName: string; mcc: string }>;
+};
+
+let cached: ZBankPosConfig | null = null;
+
+function repoConfigPath(relative: string): string {
+  return path.resolve(__dirname, '../../../../', relative.replace(/^\//, ''));
+}
+
+export function loadZBankPosConfig(): ZBankPosConfig {
+  if (cached) return cached;
+  const configPath =
+    process.env.ZBANK_POS_CONFIG?.trim() || repoConfigPath('config/zbank-pos-cards.v1.json');
+  cached = JSON.parse(fs.readFileSync(configPath, 'utf8')) as ZBankPosConfig;
+  return cached;
+}
+
+export function findCardProduct(cfg: ZBankPosConfig, productId: string) {
+  return cfg.cardProducts.find((p) => p.id === productId);
+}
+
+export function findPosTerminal(cfg: ZBankPosConfig, terminalId: string) {
+  return cfg.posTerminals.find((t) => t.terminalId === terminalId);
+}
diff --git a/services/settlement-middleware/src/store/zbank-card-store.ts b/services/settlement-middleware/src/store/zbank-card-store.ts
new file mode 100644
index 0000000..f1771ab
--- /dev/null
+++ b/services/settlement-middleware/src/store/zbank-card-store.ts
@@ -0,0 +1,81 @@
+import fs from 'fs';
+import path from 'path';
+import { randomUUID } from 'crypto';
+import type { ZBankPrepaidCard, ZBankPosSaleRecord } from '@dbis/settlement-core';
+import { loadZBankPosConfig } from '../services/zbank-pos-config';
+
+const baseDir =
+  process.env.ZBANK_CARD_STORE_DIR ||
+  path.resolve(__dirname, '../../../data/zbank-card-store');
+
+function storeDir(): string {
+  const officeId = loadZBankPosConfig().officeId;
+  const dir = path.join(baseDir, `office-${officeId}`);
+  if (!fs.existsSync(dir)) fs.mkdirSync(dir, { recursive: true });
+  return dir;
+}
+
+function cardPath(cardId: string): string {
+  return path.join(storeDir(), `card-${cardId}.json`);
+}
+
+function salePath(saleId: string): string {
+  return path.join(storeDir(), `sale-${saleId}.json`);
+}
+
+export class ZBankCardStore {
+  saveCard(card: ZBankPrepaidCard): void {
+    fs.writeFileSync(cardPath(card.cardId), JSON.stringify(card, null, 2));
+  }
+
+  getCard(cardId: string): ZBankPrepaidCard | null {
+    const p = cardPath(cardId);
+    if (!fs.existsSync(p)) return null;
+    return JSON.parse(fs.readFileSync(p, 'utf8')) as ZBankPrepaidCard;
+  }
+
+  listCards(limit = 50): ZBankPrepaidCard[] {
+    const dir = storeDir();
+    if (!fs.existsSync(dir)) return [];
+    return fs
+      .readdirSync(dir)
+      .filter((f) => f.startsWith('card-') && f.endsWith('.json'))
+      .slice(0, limit)
+      .map((f) => JSON.parse(fs.readFileSync(path.join(dir, f), 'utf8')) as ZBankPrepaidCard);
+  }
+
+  saveSale(sale: ZBankPosSaleRecord): void {
+    fs.writeFileSync(salePath(sale.saleId), JSON.stringify(sale, null, 2));
+    fs.writeFileSync(path.join(storeDir(), `sale-key-${sale.idempotencyKey}.json`), sale.saleId);
+  }
+
+  getSaleByIdempotency(key: string): ZBankPosSaleRecord | null {
+    const ref = path.join(storeDir(), `sale-key-${key}.json`);
+    if (!fs.existsSync(ref)) return null;
+    const id = fs.readFileSync(ref, 'utf8').trim();
+    const p = salePath(id);
+    if (!fs.existsSync(p)) return null;
+    return JSON.parse(fs.readFileSync(p, 'utf8')) as ZBankPosSaleRecord;
+  }
+
+  listSales(limit = 50): ZBankPosSaleRecord[] {
+    const dir = storeDir();
+    if (!fs.existsSync(dir)) return [];
+    return fs
+      .readdirSync(dir)
+      .filter((f) => f.startsWith('sale-') && f.endsWith('.json') && !f.includes('sale-key-'))
+      .slice(0, limit)
+      .map((f) => JSON.parse(fs.readFileSync(path.join(dir, f), 'utf8')) as ZBankPosSaleRecord)
+      .sort((a, b) => Date.parse(b.createdAt) - Date.parse(a.createdAt));
+  }
+}
+
+export const zbankCardStore = new ZBankCardStore();
+
+export function newCardId(): string {
+  return `ZCARD-${randomUUID().slice(0, 8).toUpperCase()}`;
+}
+
+export function newSaleId(): string {
+  return `ZSALE-${randomUUID().slice(0, 8).toUpperCase()}`;
+}
diff --git a/services/settlement-middleware/src/workflows/external-transfer.ts b/services/settlement-middleware/src/workflows/external-transfer.ts
index e050d36..269cfed 100644
--- a/services/settlement-middleware/src/workflows/external-transfer.ts
+++ b/services/settlement-middleware/src/workflows/external-transfer.ts
@@ -15,9 +15,10 @@ import {
 import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../config';
 import { fetchGlBalances, postJournalEntry, resolveGlAccountId } from '../adapters/fineract';
 import { HybxProductionRail } from '../adapters/hybx-production';
-import { archiveIso20022, requestTokenMint } from '../adapters/omnl';
+import { archiveIso20022 } from '../adapters/omnl';
 import { buildMt102Stub, buildMt103Stub, buildMt202Stub, buildMt910Stub, forwardSwiftToListener } from '../adapters/swift';
 import { settlementStore } from '../store/settlement-store';
+import { executeSettlementMintAndBridge, resolveM2TokenAddress } from './settlement-bridge';
 
 export async function processExternalTransfer(
   input: ExternalTransferRequest,
@@ -177,14 +178,18 @@ export async function processExternalTransfer(
         advance('FAILED');
         return record;
       }
-      const mint = await requestTokenMint({
-        lineId: req.convertToCrypto.tokenLineId,
-        amount: m3Check.loadAmount,
-        recipient: req.convertToCrypto.recipientAddress,
-        settlementRef: record.settlementId,
-        dryRun: !cfg.production.allowChainMintExecute,
-      });
-      advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+      record = await executeSettlementMintAndBridge(
+        record,
+        {
+          lineId: req.convertToCrypto.tokenLineId,
+          amount: m3Check.loadAmount,
+          tokenAddress: resolveM2TokenAddress(req.convertToCrypto.tokenLineId),
+          dryRunMint: !cfg.production.allowChainMintExecute,
+          dryRunBridge: !cfg.production.allowChainBridgeExecute,
+        },
+        advance,
+      );
+      if (record.phase === 'FAILED') return record;
     } else {
       advance('CHAIN_MINT_REQUESTED');
     }
diff --git a/services/settlement-middleware/src/workflows/settlement-bridge.ts b/services/settlement-middleware/src/workflows/settlement-bridge.ts
new file mode 100644
index 0000000..3676393
--- /dev/null
+++ b/services/settlement-middleware/src/workflows/settlement-bridge.ts
@@ -0,0 +1,153 @@
+import type { ExternalTransferRequest, SettlementRecord } from '@dbis/settlement-core';
+import {
+  assertBridgeDestinationAllowed,
+  findM2TokenByLineId,
+  loadOmnlChainRegistry,
+  type M2TokenRegistryFile,
+} from '@dbis/settlement-core';
+import fs from 'fs';
+import path from 'path';
+import { requestChainBridge } from '../adapters/bridge';
+import { requestTokenMint } from '../adapters/omnl';
+
+const PRIMARY_CHAIN_ID = 138;
+
+function loadTokenRegistry(): M2TokenRegistryFile {
+  const registryPath =
+    process.env.OMNL_M2_TOKEN_REGISTRY ||
+    path.resolve(__dirname, '../../../config/omnl-m2-token-registry.v1.json');
+  return JSON.parse(fs.readFileSync(registryPath, 'utf8')) as M2TokenRegistryFile;
+}
+
+export function resolveM2TokenAddress(lineId: string, symbol?: string): string | undefined {
+  const registry = loadTokenRegistry();
+  const byLine = findM2TokenByLineId(registry, lineId);
+  if (byLine?.address.startsWith('0x') && byLine.address !== '0x0000000000000000000000000000000000000000') {
+    return byLine.address;
+  }
+  if (symbol) {
+    const bySym = registry.tokens.find((t) => t.symbol.toLowerCase() === symbol.toLowerCase());
+    if (bySym?.address.startsWith('0x') && bySym.address !== '0x0000000000000000000000000000000000000000') {
+      return bySym.address;
+    }
+  }
+  return undefined;
+}
+
+export function requiresCrossChainBridge(req: ExternalTransferRequest): boolean {
+  return Boolean(
+    req.convertToCrypto?.enabled &&
+      req.convertToCrypto.targetChainId !== PRIMARY_CHAIN_ID,
+  );
+}
+
+export function bridgeAlreadyCompleted(record: SettlementRecord): boolean {
+  return Boolean(
+    record.bridgeTxHash ||
+      record.phase === 'CHAIN_BRIDGE_REQUESTED' ||
+      record.phase === 'CHAIN_BRIDGE_PENDING' ||
+      (record.phase === 'SETTLED' && record.destinationChainId && record.destinationChainId !== PRIMARY_CHAIN_ID),
+  );
+}
+
+export async function executeSettlementMintAndBridge(
+  record: SettlementRecord,
+  params: {
+    lineId: string;
+    amount: string;
+    tokenAddress?: string;
+    dryRunMint: boolean;
+    dryRunBridge: boolean;
+  },
+  advance: (phase: SettlementRecord['phase'], patch?: Partial<SettlementRecord>) => void,
+): Promise<SettlementRecord> {
+  const req = record.request;
+  const crypto = req.convertToCrypto;
+  if (!crypto?.enabled) {
+    advance('CHAIN_MINT_REQUESTED');
+    advance('SETTLED');
+    return record;
+  }
+
+  const targetChainId = crypto.targetChainId;
+  const mintChainId = PRIMARY_CHAIN_ID;
+
+  if (targetChainId === mintChainId) {
+    const mint = await requestTokenMint({
+      lineId: crypto.tokenLineId,
+      amount: params.amount,
+      recipient: crypto.recipientAddress,
+      settlementRef: record.settlementId,
+      dryRun: params.dryRunMint,
+    });
+    advance('CHAIN_MINT_REQUESTED', {
+      chainTxHash: mint.txHash,
+      mintChainId,
+      destinationChainId: targetChainId,
+    });
+    advance('SETTLED');
+    return record;
+  }
+
+  const { bridgeRail } = assertBridgeDestinationAllowed(
+    mintChainId,
+    targetChainId,
+    crypto.tokenLineId,
+    crypto.bridgeRail,
+  );
+
+  if (bridgeAlreadyCompleted(record)) {
+    advance('SETTLED');
+    return record;
+  }
+
+  const tokenAddress =
+    params.tokenAddress ?? resolveM2TokenAddress(crypto.tokenLineId);
+
+  const mint = await requestTokenMint({
+    lineId: crypto.tokenLineId,
+    amount: params.amount,
+    recipient: crypto.recipientAddress,
+    settlementRef: record.settlementId,
+    dryRun: params.dryRunMint,
+    mintToBridgeOperator: true,
+    targetChainId,
+  });
+  advance('CHAIN_MINT_REQUESTED', {
+    chainTxHash: mint.txHash,
+    mintChainId,
+    destinationChainId: targetChainId,
+  });
+
+  if (bridgeRail === 'trustless-lockbox' && !tokenAddress?.startsWith('0x')) {
+    record.errors.push(`tokenAddress required for trustless bridge (line ${crypto.tokenLineId})`);
+    advance('FAILED');
+    return record;
+  }
+
+  const bridge = await requestChainBridge({
+    settlementRef: record.settlementId,
+    destinationChainId: targetChainId,
+    tokenAddress,
+    amount: params.amount,
+    recipient: crypto.recipientAddress,
+    bridgeRail,
+    dryRun: params.dryRunBridge,
+  });
+
+  advance('CHAIN_BRIDGE_REQUESTED', {
+    bridgeTxHash: bridge.bridgeTxHash,
+    bridgeMessageId: bridge.messageId,
+  });
+
+  if (bridge.status === 'CHAIN_BRIDGE_PENDING' || bridge.status === 'DRY_RUN') {
+    advance('CHAIN_BRIDGE_PENDING');
+  }
+
+  advance('SETTLED');
+  return record;
+}
+
+export function primaryChainId(): number {
+  return loadOmnlChainRegistry().primaryChainId || PRIMARY_CHAIN_ID;
+}
diff --git a/services/settlement-middleware/src/workflows/token-load.ts b/services/settlement-middleware/src/workflows/token-load.ts
index 7722eb2..f7427ad 100644
--- a/services/settlement-middleware/src/workflows/token-load.ts
+++ b/services/settlement-middleware/src/workflows/token-load.ts
@@ -13,8 +13,8 @@ import {
 } from '@dbis/settlement-core';
 import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../config';
 import { fetchGlBalances, postJournalEntry, resolveGlAccountId } from '../adapters/fineract';
-import { requestTokenMint } from '../adapters/omnl';
 import { settlementStore } from '../store/settlement-store';
+import { executeSettlementMintAndBridge, resolveM2TokenAddress } from './settlement-bridge';
 
 function loadTokenRegistry(): M2TokenRegistryFile {
   const registryPath =
@@ -44,6 +44,7 @@ export async function processTokenLoad(input: TokenLoadRequest): Promise<Settlem
   const profile = loadOfficeProfile();
   const officeId = settlementOfficeId(input.officeId);
   const req = { ...input, officeId };
+  const targetChainId = req.targetChainId ?? 138;
 
   const existing = settlementStore.getByIdempotencyKey(req.idempotencyKey);
   if (existing?.phase === 'SETTLED') return existing;
@@ -66,7 +67,7 @@ export async function processTokenLoad(input: TokenLoadRequest): Promise<Settlem
       rail: 'INTERNAL',
       convertToCrypto: {
         enabled: true,
-        targetChainId: 138,
+        targetChainId,
         tokenLineId: req.lineId,
         recipientAddress: req.recipientAddress,
       },
@@ -126,17 +127,18 @@ export async function processTokenLoad(input: TokenLoadRequest): Promise<Settlem
     advance('HYBX_RAIL_DISPATCHED');
     advance('ISO20022_ARCHIVED');
 
-    const mint = await requestTokenMint({
-      lineId: req.lineId,
-      amount: loadAmount,
-      recipient: req.recipientAddress,
-      settlementRef: record.settlementId,
-      dryRun: !cfg.production.allowChainMintExecute,
-      symbol: req.symbol,
-      tokenAddress: resolveTokenAddress(req),
-    });
-    advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
-    advance('SETTLED');
+    record = await executeSettlementMintAndBridge(
+      record,
+      {
+        lineId: req.lineId,
+        amount: loadAmount,
+        tokenAddress: resolveTokenAddress(req) ?? resolveM2TokenAddress(req.lineId, req.symbol),
+        dryRunMint: !cfg.production.allowChainMintExecute,
+        dryRunBridge: !cfg.production.allowChainBridgeExecute,
+      },
+      advance,
+    );
+    if (record.phase === 'FAILED') return record;
     return record;
   } catch (err) {
     record.errors.push(err instanceof Error ? err.message : String(err));
diff --git a/services/settlement-middleware/src/workflows/z-bank-m0-m4.ts b/services/settlement-middleware/src/workflows/z-bank-m0-m4.ts
index 38eee5f..e7e47f5 100644
--- a/services/settlement-middleware/src/workflows/z-bank-m0-m4.ts
+++ b/services/settlement-middleware/src/workflows/z-bank-m0-m4.ts
@@ -16,9 +16,10 @@ import {
 import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../config';
 import { fetchGlBalances, postJournalEntry, resolveGlAccountId } from '../adapters/fineract';
 import { HybxProductionRail } from '../adapters/hybx-production';
-import { archiveIso20022, requestTokenMint } from '../adapters/omnl';
+import { archiveIso20022 } from '../adapters/omnl';
 import { buildMt103Stub, forwardSwiftToListener } from '../adapters/swift';
 import { settlementStore } from '../store/settlement-store';
+import { executeSettlementMintAndBridge, resolveM2TokenAddress } from './settlement-bridge';
 
 function toExternalRequest(input: ZBankM0M4Request, officeId: number): ExternalTransferRequest {
   return {
@@ -38,7 +39,7 @@ function toExternalRequest(input: ZBankM0M4Request, officeId: number): ExternalT
     convertToCrypto: input.recipientAddress
       ? {
           enabled: true,
-          targetChainId: 138,
+          targetChainId: input.targetChainId ?? 138,
           tokenLineId: input.tokenLineId ?? 'USD-M2',
           recipientAddress: input.recipientAddress,
         }
@@ -203,14 +204,18 @@ export async function processZBankM0ToM4(input: ZBankM0M4Request): Promise<Settl
       const { loadAmount, fullyBacked } = m2FiatToTokenLoadAmount(req.amount, snap.M2.broadMoney);
       const m3Check = m3TokenLoadAmount(loadAmount, snap.M2.broadMoney, snap.M3.tokenLiabilities);
       if (fullyBacked && m3Check.fullyBacked) {
-        const mint = await requestTokenMint({
-          lineId: req.convertToCrypto.tokenLineId,
-          amount: m3Check.loadAmount,
-          recipient: req.convertToCrypto.recipientAddress,
-          settlementRef: record.settlementId,
-          dryRun: !cfg.production.allowChainMintExecute,
-        });
-        advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+        record = await executeSettlementMintAndBridge(
+          record,
+          {
+            lineId: req.convertToCrypto.tokenLineId,
+            amount: m3Check.loadAmount,
+            tokenAddress: resolveM2TokenAddress(req.convertToCrypto.tokenLineId),
+            dryRunMint: !cfg.production.allowChainMintExecute,
+            dryRunBridge: !cfg.production.allowChainBridgeExecute,
+          },
+          advance,
+        );
+        if (record.phase === 'FAILED') return record;
       } else {
         record.errors.push('M3 mint skipped — insufficient M2/M3 backing');
         advance('CHAIN_MINT_REQUESTED');
diff --git a/services/settlement-middleware/src/workflows/zbank-card-load.ts b/services/settlement-middleware/src/workflows/zbank-card-load.ts
new file mode 100644
index 0000000..91d4633
--- /dev/null
+++ b/services/settlement-middleware/src/workflows/zbank-card-load.ts
@@ -0,0 +1,139 @@
+import { v4 as uuidv4 } from 'uuid';
+import type { SettlementRecord, ZBankCardLoadRequest } from '@dbis/settlement-core';
+import { buildMoneySupplySnapshot } from '@dbis/settlement-core';
+import { fetchGlBalances, postJournalEntry, resolveGlAccountId } from '../adapters/fineract';
+import { settlementStore } from '../store/settlement-store';
+import { findCardProduct, loadZBankPosConfig } from '../services/zbank-pos-config';
+import { newCardId, zbankCardStore } from '../store/zbank-card-store';
+
+export async function processZBankCardLoad(input: ZBankCardLoadRequest): Promise<{
+  settlement: SettlementRecord;
+  card: ReturnType<typeof zbankCardStore.getCard>;
+}> {
+  const cfg = loadZBankPosConfig();
+  const officeId = input.officeId ?? cfg.officeId;
+  const product = findCardProduct(cfg, input.cardProductId);
+  if (!product) {
+    throw new Error(`Unknown card product: ${input.cardProductId}`);
+  }
+
+  const amount = parseFloat(input.amount);
+  const minLoad = parseFloat(product.minLoad);
+  const maxBalance = parseFloat(product.maxBalance);
+  if (!Number.isFinite(amount) || amount < minLoad) {
+    throw new Error(`Minimum load is ${product.minLoad} ${product.currency}`);
+  }
+
+  const existing = settlementStore.getByIdempotencyKey(input.idempotencyKey);
+  if (existing?.phase === 'SETTLED') {
+    const cardId = existing.request.remittanceInfo?.match(/card (ZCARD-[A-Z0-9]+)/)?.[1];
+    return { settlement: existing, card: cardId ? zbankCardStore.getCard(cardId) : null };
+  }
+
+  const now = new Date().toISOString();
+  let record: SettlementRecord = existing ?? {
+    settlementId: uuidv4(),
+    idempotencyKey: input.idempotencyKey,
+    phase: 'RECEIVED',
+    request: {
+      idempotencyKey: input.idempotencyKey,
+      officeId,
+      valueDate: now.slice(0, 10),
+      currency: input.currency ?? product.currency,
+      amount: input.amount,
+      creditorIban: 'ZBANK-CARD-LOAD',
+      beneficiaryName: input.cardholderName ?? 'Z Card holder',
+      remittanceInfo: `zBank card load · ${product.label}`,
+      moneyLayers: ['M2'],
+      rail: 'INTERNAL',
+    },
+    errors: [],
+    createdAt: now,
+    updatedAt: now,
+  };
+
+  const advance = (phase: SettlementRecord['phase'], patch: Partial<SettlementRecord> = {}) => {
+    record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+    settlementStore.save(record);
+  };
+
+  try {
+    advance('VALIDATED');
+    const balances = await fetchGlBalances(officeId);
+    const snap = buildMoneySupplySnapshot(officeId, balances);
+    const m2Available = parseFloat(snap.M2.broadMoney) || 0;
+    if (amount > m2Available) {
+      record.errors.push(`Insufficient M2 broad money (${snap.M2.broadMoney} available)`);
+      advance('FAILED');
+      return { settlement: record, card: null };
+    }
+
+    advance('VERBIAGE_ROLLED', {
+      verbiageDocument: [
+        `zBank prepaid card load`,
+        `Office ${officeId} · product ${product.id}`,
+        `Amount ${input.amount} ${product.currency}`,
+        `GL ${cfg.gl.loadSource} → ${cfg.gl.cardPrepaidLiability}`,
+      ].join('\n'),
+    });
+
+    const [m2GlId, cardGlId] = await Promise.all([
+      resolveGlAccountId(cfg.gl.loadSource),
+      resolveGlAccountId(cfg.gl.cardPrepaidLiability),
+    ]);
+    const je = await postJournalEntry({
+      officeId,
+      transactionDate: now.slice(0, 10),
+      referenceNumber: input.idempotencyKey,
+      comments: `zBank card load ${product.label}`,
+      debits: [{ glAccountId: m2GlId, amount }],
+      credits: [{ glAccountId: cardGlId, amount }],
+    });
+    advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+    advance('HYBX_RAIL_DISPATCHED');
+    advance('ISO20022_ARCHIVED');
+
+    const cardLast4 = (input.cardLast4 ?? String(Math.floor(1000 + Math.random() * 9000))).slice(-4);
+    const cardId = newCardId();
+    const existingCard = zbankCardStore.listCards(500).find((c) => c.cardLast4 === cardLast4 && c.productId === product.id);
+    let card = existingCard;
+    if (card) {
+      const newBal = (parseFloat(card.balance) + amount).toFixed(2);
+      if (parseFloat(newBal) > maxBalance) {
+        record.errors.push(`Card max balance ${product.maxBalance} exceeded`);
+        advance('FAILED');
+        return { settlement: record, card };
+      }
+      card = {
+        ...card,
+        balance: newBal,
+        updatedAt: now,
+        lastLoadAt: now,
+      };
+    } else {
+      card = {
+        cardId,
+        productId: product.id,
+        productLabel: product.label,
+        officeId,
+        cardholderName: input.cardholderName ?? 'Z Card holder',
+        cardLast4,
+        currency: product.currency,
+        balance: amount.toFixed(2),
+        status: 'active',
+        createdAt: now,
+        updatedAt: now,
+        lastLoadAt: now,
+      };
+    }
+
+    zbankCardStore.saveCard(card);
+    record.request.remittanceInfo = `zBank card load · card ${card.cardId} ·••• ${cardLast4}`;
+    advance('SETTLED', { chainTxHash: card.cardId });
+    return { settlement: record, card };
+  } catch (err) {
+    record.errors.push(err instanceof Error ? err.message : String(err));
+    advance('FAILED');
+    return { settlement: record, card: null };
+  }
+}
diff --git a/services/settlement-middleware/src/workflows/zbank-pos-sale.ts b/services/settlement-middleware/src/workflows/zbank-pos-sale.ts
new file mode 100644
index 0000000..07da4db
--- /dev/null
+++ b/services/settlement-middleware/src/workflows/zbank-pos-sale.ts
@@ -0,0 +1,91 @@
+import type { ZBankPosSaleRequest } from '@dbis/settlement-core';
+import { postJournalEntry, resolveGlAccountId } from '../adapters/fineract';
+import { findPosTerminal, loadZBankPosConfig } from '../services/zbank-pos-config';
+import { newSaleId, zbankCardStore } from '../store/zbank-card-store';
+
+export async function processZBankPosSale(input: ZBankPosSaleRequest): Promise<ReturnType<typeof zbankCardStore.getSaleByIdempotency>> {
+  const cfg = loadZBankPosConfig();
+  const officeId = input.officeId ?? cfg.officeId;
+  const terminal = findPosTerminal(cfg, input.terminalId);
+  if (!terminal) {
+    throw new Error(`Unknown POS terminal: ${input.terminalId}`);
+  }
+
+  const dup = zbankCardStore.getSaleByIdempotency(input.idempotencyKey);
+  if (dup) return dup;
+
+  const card = zbankCardStore.getCard(input.cardId);
+  const now = new Date().toISOString();
+  const amount = parseFloat(input.amount);
+
+  if (!card || card.status !== 'active') {
+    const declined = {
+      saleId: newSaleId(),
+      idempotencyKey: input.idempotencyKey,
+      cardId: input.cardId,
+      terminalId: input.terminalId,
+      merchantName: terminal.merchantName,
+      amount: input.amount,
+      currency: input.currency ?? 'USD',
+      status: 'declined' as const,
+      declineReason: 'Card not found or blocked',
+      createdAt: now,
+    };
+    zbankCardStore.saveSale(declined);
+    return declined;
+  }
+
+  const balance = parseFloat(card.balance);
+  if (!Number.isFinite(amount) || amount <= 0 || amount > balance) {
+    const declined = {
+      saleId: newSaleId(),
+      idempotencyKey: input.idempotencyKey,
+      cardId: input.cardId,
+      terminalId: input.terminalId,
+      merchantName: terminal.merchantName,
+      amount: input.amount,
+      currency: input.currency ?? card.currency,
+      status: 'declined' as const,
+      declineReason: amount > balance ? 'Insufficient card balance' : 'Invalid amount',
+      createdAt: now,
+    };
+    zbankCardStore.saveSale(declined);
+    return declined;
+  }
+
+  const [debitGlId, creditGlId] = await Promise.all([
+    resolveGlAccountId(cfg.gl.cardPrepaidLiability),
+    resolveGlAccountId(cfg.gl.posClearing),
+  ]);
+  const je = await postJournalEntry({
+    officeId,
+    transactionDate: now.slice(0, 10),
+    referenceNumber: input.idempotencyKey,
+    comments: `POS ${terminal.terminalId} · card •••${card.cardLast4}`,
+    debits: [{ glAccountId: debitGlId, amount }],
+    credits: [{ glAccountId: creditGlId, amount }],
+  });
+
+  const newBalance = (balance - amount).toFixed(2);
+  zbankCardStore.saveCard({
+    ...card,
+    balance: newBalance,
+    updatedAt: now,
+    lastSaleAt: now,
+  });
+
+  const approved = {
+    saleId: newSaleId(),
+    idempotencyKey: input.idempotencyKey,
+    cardId: input.cardId,
+    terminalId: input.terminalId,
+    merchantName: terminal.merchantName,
+    amount: input.amount,
+    currency: input.currency ?? card.currency,
+    fineractJournalRef: String(je.resourceId),
+    status: 'approved' as const,
+    createdAt: now,
+  };
+  zbankCardStore.saveSale(approved);
+  return approved;
+}
diff --git a/services/settlement-middleware/src/workflows/zbank-proof-of-funds.ts b/services/settlement-middleware/src/workflows/zbank-proof-of-funds.ts
new file mode 100644
index 0000000..e0a60a3
--- /dev/null
+++ b/services/settlement-middleware/src/workflows/zbank-proof-of-funds.ts
@@ -0,0 +1,51 @@
+import { createHash } from 'crypto';
+import { buildMoneySupplySnapshot } from '@dbis/settlement-core';
+import { fetchGlBalances } from '../adapters/fineract';
+import { loadZBankPosConfig } from '../services/zbank-pos-config';
+import { loadConfig } from '../config';
+
+export async function buildZBankProofOfFunds(officeId?: number): Promise<Record<string, unknown>> {
+  const cfg = loadZBankPosConfig();
+  const oid = officeId ?? cfg.officeId;
+  const middleware = loadConfig();
+  const balances = await fetchGlBalances(oid);
+  const snap = buildMoneySupplySnapshot(oid, balances);
+  const glCodes = [cfg.proofOfFunds.primaryGlCode, ...cfg.proofOfFunds.secondaryGlCodes];
+  const glBalances = glCodes.map((code) => ({
+    glCode: code,
+    amount: balances[code] ?? '0',
+  }));
+  const primaryAmount = balances[cfg.proofOfFunds.primaryGlCode] ?? snap.M1.gl2100 ?? '0';
+  const generatedAt = new Date().toISOString();
+  const body = {
+    documentType: 'proof-of-funds',
+    generatedAtUtc: generatedAt,
+    settlementRef: `ZBANK-POF-${generatedAt.slice(0, 10).replace(/-/g, '')}`,
+    issuer: {
+      legalName: cfg.issuer.legalName,
+      brand: cfg.issuer.brand,
+      officeId: oid,
+      externalId: cfg.externalId,
+      guosmmNotice: cfg.issuer.guosmmNotice,
+    },
+    attestation: {
+      primaryGlCode: cfg.proofOfFunds.primaryGlCode,
+      primaryAmountUsd: primaryAmount,
+      currency: 'USD',
+      methodology: cfg.proofOfFunds.methodology,
+    },
+    moneySupply: snap,
+    glBalances,
+    cardProgram: {
+      prepaidGl: cfg.gl.cardPrepaidLiability,
+      prepaidPool: balances[cfg.gl.cardPrepaidLiability] ?? '0',
+      loadSourceGl: cfg.gl.loadSource,
+      posClearingGl: cfg.gl.posClearing,
+    },
+    omnlLegalName: middleware.omnlLegalName,
+    disclaimer:
+      'Accounting attestation from Fineract GL balances — not a bank guarantee letter. For correspondent banking use official SWIFT MT799/POF where required.',
+  };
+  const sha256 = createHash('sha256').update(JSON.stringify(body)).digest('hex');
+  return { ...body, integrity: { sha256 } };
+}
diff --git a/services/token-aggregation/src/api/routes/omnl.ts b/services/token-aggregation/src/api/routes/omnl.ts
index 5358767..abf1769 100644
--- a/services/token-aggregation/src/api/routes/omnl.ts
+++ b/services/token-aggregation/src/api/routes/omnl.ts
@@ -21,7 +21,18 @@ import {
   executeErc20Transfer,
   executeM2TokenMint,
   chainRailConfigured,
+  getSettlementOperatorAddress,
 } from '../../services/omnl-settlement-chain';
+import {
+  bridgeRailConfigured,
+  dryRunCcipWeth9Bridge,
+  executeCcipWeth9Bridge,
+  getBridgeOperatorAddress,
+} from '../../services/omnl-settlement-bridge';
+import {
+  dryRunTrustlessLockboxBridge,
+  executeTrustlessLockboxDeposit,
+} from '../../services/omnl-settlement-trustless-bridge';
 import fs from 'fs';
 import path from 'path';
 
@@ -379,7 +390,17 @@ router.get('/omnl/health', async (req: Request, res: Response) => {
  * POST /omnl/settlement/token-load — M2→M3 fiat-backed token mint (Office 24 settlement).
  */
 router.post('/omnl/settlement/token-load', async (req: Request, res: Response) => {
-  const { lineId, amount, recipient, settlementRef, dryRun, symbol, tokenAddress } = req.body as {
+  const {
+    lineId,
+    amount,
+    recipient,
+    settlementRef,
+    dryRun,
+    symbol,
+    tokenAddress,
+    mintToBridgeOperator,
+    targetChainId,
+  } = req.body as {
     lineId?: string;
     amount?: string;
     recipient?: string;
@@ -387,9 +408,26 @@ router.post('/omnl/settlement/token-load', async (req: Request, res: Response) =
     dryRun?: boolean;
     symbol?: string;
     tokenAddress?: string;
+    mintToBridgeOperator?: boolean;
+    targetChainId?: number;
   };
-  if (!lineId || !amount || !recipient) {
-    res.status(400).json({ error: 'lineId, amount, recipient required' });
+  if (!lineId || !amount) {
+    res.status(400).json({ error: 'lineId, amount required' });
+    return;
+  }
+
+  let mintRecipient = recipient;
+  if (mintToBridgeOperator || (typeof targetChainId === 'number' && targetChainId !== 138)) {
+    mintRecipient = getSettlementOperatorAddress() ?? getBridgeOperatorAddress() ?? undefined;
+    if (!mintRecipient) {
+      res.status(400).json({
+        error: 'mintToBridgeOperator requires OMNL_MINT_OPERATOR_PRIVATE_KEY (or OMNL_BRIDGE_OPERATOR_PRIVATE_KEY)',
+      });
+      return;
+    }
+  }
+  if (!mintRecipient) {
+    res.status(400).json({ error: 'recipient required when not minting to bridge operator' });
     return;
   }
   const execute =
@@ -412,10 +450,13 @@ router.post('/omnl/settlement/token-load', async (req: Request, res: Response) =
       loadId,
       lineId,
       amount,
-      recipient,
+      recipient: mintRecipient,
       symbol: symbol ?? null,
       tokenAddress: mintTokenAddress ?? null,
       settlementRef: settlementRef ?? null,
+      mintChainId: 138,
+      targetChainId: targetChainId ?? 138,
+      mintToBridgeOperator: Boolean(mintToBridgeOperator || (targetChainId && targetChainId !== 138)),
       moneyLayer: 'M3',
       loadFromGl: '2200',
       creditGl: '2300',
@@ -440,7 +481,7 @@ router.post('/omnl/settlement/token-load', async (req: Request, res: Response) =
   try {
     const { txHash } = await executeM2TokenMint({
       tokenAddress: mintTokenAddress,
-      recipient,
+      recipient: mintRecipient,
       amount,
     });
     res.json({
@@ -448,10 +489,13 @@ router.post('/omnl/settlement/token-load', async (req: Request, res: Response) =
       loadId,
       lineId,
       amount,
-      recipient,
+      recipient: mintRecipient,
       symbol: symbol ?? null,
       tokenAddress: mintTokenAddress,
       settlementRef: settlementRef ?? null,
+      mintChainId: 138,
+      targetChainId: targetChainId ?? 138,
+      mintToBridgeOperator: Boolean(mintToBridgeOperator || (targetChainId && targetChainId !== 138)),
       moneyLayer: 'M3',
       capabilities,
       txHash,
@@ -522,4 +566,149 @@ router.post('/omnl/settlement/token-transfer', async (req: Request, res: Respons
   }
 });
 
+/**
+ * POST /omnl/settlement/bridge-to-chain — CCIP WETH9 bridge from chain 138 to destination (Phase 1).
+ */
+router.post('/omnl/settlement/bridge-to-chain', async (req: Request, res: Response) => {
+  const {
+    settlementRef,
+    sourceChainId,
+    destinationChainId,
+    tokenAddress,
+    amount,
+    recipient,
+    bridgeRail,
+    dryRun,
+    decimals,
+    wrapNative,
+  } = req.body as {
+    settlementRef?: string;
+    sourceChainId?: number;
+    destinationChainId?: number;
+    tokenAddress?: string;
+    amount?: string;
+    recipient?: string;
+    bridgeRail?: 'ccip-weth9' | 'trustless-lockbox';
+    dryRun?: boolean;
+    decimals?: number;
+    wrapNative?: boolean;
+  };
+
+  if (!amount || !recipient) {
+    res.status(400).json({ error: 'amount, recipient required' });
+    return;
+  }
+  if (sourceChainId && sourceChainId !== 138) {
+    res.status(400).json({ error: 'Only chain 138 is supported as bridge source' });
+    return;
+  }
+  const destChainId = destinationChainId ?? 1;
+  if (bridgeRail && bridgeRail !== 'ccip-weth9' && bridgeRail !== 'trustless-lockbox') {
+    res.status(400).json({ error: `Unsupported bridgeRail: ${bridgeRail}` });
+    return;
+  }
+  const rail = bridgeRail ?? 'ccip-weth9';
+
+  const bridgeId = settlementRef ?? `BR-${Date.now()}`;
+  const execute =
+    !dryRun &&
+    (process.env.SETTLEMENT_ALLOW_CHAIN_BRIDGE_EXECUTE === '1' ||
+      process.env.OMNL_ALLOW_CHAIN_BRIDGE_EXECUTE === '1');
+
+  if (!execute) {
+    if (rail === 'trustless-lockbox') {
+      const preview = await dryRunTrustlessLockboxBridge({
+        recipient,
+        amount,
+        tokenAddress,
+      });
+      res.json({
+        ...preview,
+        status: 'DRY_RUN',
+        bridgeId,
+        settlementRef: settlementRef ?? null,
+        sourceChainId: 138,
+        destinationChainId: destChainId,
+        amount,
+        recipient,
+        tokenAddress,
+        message: 'Trustless bridge validated — set SETTLEMENT_ALLOW_CHAIN_BRIDGE_EXECUTE=1 to deposit on chain 138',
+      });
+      return;
+    }
+    const preview = await dryRunCcipWeth9Bridge({
+      destinationChainId: destChainId,
+      recipient,
+      amount,
+      tokenAddress,
+    });
+    res.json({
+      ...preview,
+      status: 'DRY_RUN',
+      bridgeId,
+      settlementRef: settlementRef ?? null,
+      sourceChainId: 138,
+      tokenAddress: tokenAddress ?? preview.contracts.weth9,
+      message: 'Bridge validated — set SETTLEMENT_ALLOW_CHAIN_BRIDGE_EXECUTE=1 to submit on-chain',
+    });
+    return;
+  }
+
+  try {
+    if (rail === 'trustless-lockbox') {
+      if (!tokenAddress?.startsWith('0x')) {
+        res.status(400).json({ error: 'tokenAddress required for trustless-lockbox bridge' });
+        return;
+      }
+      const { bridgeTxHash, depositId } = await executeTrustlessLockboxDeposit({
+        tokenAddress,
+        amount,
+        recipient,
+        decimals,
+      });
+      res.json({
+        status: 'CHAIN_BRIDGE_PENDING',
+        bridgeId,
+        settlementRef: settlementRef ?? null,
+        bridgeRail: 'trustless-lockbox',
+        sourceChainId: 138,
+        destinationChainId: destChainId,
+        amount,
+        recipient,
+        tokenAddress,
+        bridgeTxHash,
+        messageId: depositId,
+        message:
+          'Trustless lockbox deposit on chain 138 — run settlement-trustless-claim-worker on mainnet to finalize',
+      });
+      return;
+    }
+
+    const { bridgeTxHash, messageId } = await executeCcipWeth9Bridge({
+      destinationChainId: destChainId,
+      recipient,
+      amount,
+      tokenAddress,
+      decimals,
+      wrapNative,
+    });
+    res.json({
+      status: 'CHAIN_BRIDGE_PENDING',
+      bridgeId,
+      settlementRef: settlementRef ?? null,
+      bridgeRail: 'ccip-weth9',
+      sourceChainId: 138,
+      destinationChainId: destChainId,
+      amount,
+      recipient,
+      bridgeTxHash,
+      messageId,
+      message: 'CCIP WETH9 bridge submitted on chain 138 — awaiting mainnet release',
+    });
+  } catch (e) {
+    const msg = e instanceof Error ? e.message : String(e);
+    res.status(502).json({ error: msg, status: 'CHAIN_BRIDGE_FAILED', bridgeId });
+  }
+});
+
 export default router;