Add global search, in-app + push notifications, and fix card/beneficiary/scroll issues

- Global feature search for the user app, wired to the home search icon
- Notifications screen: swipe-to-delete, vanish animation, unread badge,
  and Notifee-backed foreground + background (scheduled) OS notifications
- Fix Add Beneficiary save (single source of truth via beneficiaries slice)
- Fix Cards tab scroll freeze and bottom blank space (use ScreenShell scroll)
- User-friendly toast copy across the app
- Android build tuning: parallel/caching/JVM G1 args, mobile-only ABIs

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

.gitignore

@@ -17,3 +17,6 @@ coverage
 android/app/.cxx/
 **/ComponentDescriptors.cpp.o
 **/react_codegen_rngesturehandler_codegen.dir/
+
+# Local Claude Code session data (never push)
+.claude/

.vscode/settings.json

@@ -1,3 +1,4 @@
 {
-    "java.compile.nullAnalysis.mode": "automatic"
+    "java.compile.nullAnalysis.mode": "automatic",
+    "java.configuration.updateBuildConfiguration": "automatic"
 }

android/app/src/main/AndroidManifest.xml

@@ -3,6 +3,8 @@
     <uses-permission android:name="android.permission.INTERNET" />
     <uses-permission android:name="android.permission.ACCESS_FINE_LOCATION" />
     <uses-permission android:name="android.permission.ACCESS_COARSE_LOCATION" />
+    <!-- Required for showing notifications on Android 13+ (Notifee). -->
+    <uses-permission android:name="android.permission.POST_NOTIFICATIONS" />
 
     <application
       android:name=".MainApplication"

android/gradle.properties

@@ -10,12 +10,38 @@
 # Specifies the JVM arguments used for the daemon process.
 # The setting is particularly useful for tweaking memory settings.
 # Default value: -Xmx512m -XX:MaxMetaspaceSize=256m
-org.gradle.jvmargs=-Xmx2048m -XX:MaxMetaspaceSize=512m
+#
+# Build-time JVM tuning (each flag explained):
+#   -Xmx2048m                              : max heap for the Gradle daemon (kept as-is).
+#   -XX:MaxMetaspaceSize=512m              : cap on class-metadata space (kept as-is).
+#   -XX:+UseG1GC                           : use the G1 garbage collector - shorter, more
+#                                            predictable GC pauses than the default on large
+#                                            heaps, so build threads stall less during GC.
+#   -XX:+ParallelRefProcEnabled            : process GC reference objects on multiple threads,
+#                                            shortening pauses on builds that allocate heavily.
+#   -XX:+UnlockDiagnosticVMOptions         : unlock diagnostic VM options so finer GC tuning
+#                                            flags can be applied when needed.
+#   -XX:G1ReservePercent=5                 : reserve 5% of heap as headroom to reduce costly
+#                                            promotion failures / full GCs during the build.
+#   -XX:InitiatingHeapOccupancyPercent=35  : start concurrent GC earlier (at 35% occupancy) to
+#                                            avoid long stop-the-world collections mid-build.
+org.gradle.jvmargs=-Xmx2048m -XX:MaxMetaspaceSize=512m -XX:+UseG1GC -XX:+ParallelRefProcEnabled -XX:+UnlockDiagnosticVMOptions -XX:G1ReservePercent=5 -XX:InitiatingHeapOccupancyPercent=35
 
-# When configured, Gradle will run in incubating parallel mode.
+# Run independent modules/projects concurrently instead of one after another.
-# This option should only be used with decoupled projects. More details, visit
+# On a multi-module build this compiles modules in parallel, cutting wall-clock build time.
-# http://www.gradle.org/docs/current/userguide/multi_project_builds.html#sec:decoupled_projects
+org.gradle.parallel=true
-# org.gradle.parallel=true
+
+# Cap the number of Gradle worker processes used for parallel work.
+# 4 keeps parallelism high while leaving CPU/RAM headroom for Metro, the emulator, and the IDE.
+org.gradle.workers.max=4
+
+# Enable the Gradle build cache: reuse the outputs of tasks whose inputs are unchanged
+# (across builds and clean builds), so unchanged modules are not recompiled.
+org.gradle.caching=true
+
+# Explicitly enable the local (on-disk) build cache backing org.gradle.caching above.
+# (The local cache is on by default once caching is enabled; this makes the intent explicit.)
+org.gradle.build.cache.local.enabled=true
 
 # AndroidX package structure to make it clearer which packages are bundled with the
 # Android operating system, and which are packaged with your app's APK
@@ -23,9 +49,12 @@ org.gradle.jvmargs=-Xmx2048m -XX:MaxMetaspaceSize=512m
 android.useAndroidX=true
 
 # Use this property to specify which architecture you want to build.
-# You can also override it from the CLI using
+# Mobile-only: build for physical Android devices (ARM) and skip emulator ABIs (x86, x86_64).
-# ./gradlew <task> -PreactNativeArchitectures=x86_64
+# Dropping the two emulator architectures roughly halves native build time and APK size.
-reactNativeArchitectures=armeabi-v7a,arm64-v8a,x86,x86_64
+# Note: x86_64 Android Studio emulators (AVDs) will NOT install this build. To run on an
+# emulator, override per build from the CLI:
+#   ./gradlew <task> -PreactNativeArchitectures=arm64-v8a,armeabi-v7a,x86,x86_64
+reactNativeArchitectures=armeabi-v7a,arm64-v8a
 
 # Use this property to enable support to the new architecture.
 # This will allow you to use TurboModules and the Fabric render in
@@ -42,3 +71,5 @@ hermesEnabled=true
 # This allows your app to draw behind system bars for an immersive UI.
 # Note: Only works with ReactActivity and should not be used with custom Activity.
 edgeToEdgeEnabled=false
+
+

index.js

@@ -3,9 +3,17 @@
  */
 
 import { AppRegistry, Text, TextInput } from 'react-native';
+import notifee from '@notifee/react-native';
 import App from './App';
 import { name as appName } from './app.json';
 
+// Required by Notifee: handles notification interactions that happen while the
+// app is in the background or quit. Tapping a notification opens the app via
+// the default press action, so no extra work is needed here.
+notifee.onBackgroundEvent(async () => {
+  // No-op: the default press action launches the app.
+});
+
 const customTextProps = {
   style: {
     fontFamily: 'Nunito-Regular',

package-lock.json

@@ -10,6 +10,7 @@
       "dependencies": {
         "@gorhom/bottom-sheet": "^5.2.14",
         "@maplibre/maplibre-react-native": "^10.4.2",
+        "@notifee/react-native": "^9.1.8",
         "@react-native-async-storage/async-storage": "2.2.0",
         "@react-native-community/geolocation": "^3.4.0",
         "@react-native-vector-icons/ionicons": "^13.0.0",
@@ -2829,6 +2830,15 @@
         "node": ">= 8"
       }
     },
+    "node_modules/@notifee/react-native": {
+      "version": "9.1.8",
+      "resolved": "https://registry.npmjs.org/@notifee/react-native/-/react-native-9.1.8.tgz",
+      "integrity": "sha512-Az/dueoPerJsbbjRxu8a558wKY+gONUrfoy3Hs++5OqbeMsR0dYe6P+4oN6twrLFyzAhEA1tEoZRvQTFDRmvQg==",
+      "license": "Apache-2.0",
+      "peerDependencies": {
+        "react-native": "*"
+      }
+    },
     "node_modules/@react-native-async-storage/async-storage": {
       "version": "2.2.0",
       "resolved": "https://registry.npmjs.org/@react-native-async-storage/async-storage/-/async-storage-2.2.0.tgz",

package.json

@@ -13,6 +13,7 @@
   "dependencies": {
     "@gorhom/bottom-sheet": "^5.2.14",
     "@maplibre/maplibre-react-native": "^10.4.2",
+    "@notifee/react-native": "^9.1.8",
     "@react-native-async-storage/async-storage": "2.2.0",
     "@react-native-community/geolocation": "^3.4.0",
     "@react-native-vector-icons/ionicons": "^13.0.0",

src/app/rootReducer.ts

@@ -16,6 +16,7 @@ import { agentReducer } from '../modules/agent/store/agentSlice';
 import { schemesReducer } from '../modules/schemes/store/schemesSlice';
 import { schemesApi } from '../modules/schemes/services/schemesApi';
 import { beneficiariesReducer } from '../modules/payments/store/beneficiariesSlice';
+import { notificationsReducer } from '../modules/notifications/store/notificationsSlice';
 
 const appReducer = combineReducers({
   auth: authReducer,
@@ -31,6 +32,7 @@ const appReducer = combineReducers({
   ui: uiReducer,
   schemes: schemesReducer,
   beneficiaries: beneficiariesReducer,
+  notifications: notificationsReducer,
   agent: agentReducer,
   [baseApi.reducerPath]: baseApi.reducer,
   [schemesApi.reducerPath]: schemesApi.reducer,

src/constants/mockData.ts

@@ -1,6 +1,7 @@
 import type {
   AccountSummary,
   ActiveLoan,
+  AppNotification,
   BankCard,
   Beneficiary,
   Branch,
@@ -41,6 +42,57 @@ export const demoUser: UserProfile = {
   },
 };
 
+export const demoNotifications: AppNotification[] = [
+  {
+    id: 'ntf_login',
+    category: 'security',
+    title: 'New sign-in detected',
+    body: 'We noticed a new sign-in on a Pixel device in Bengaluru. If this was you, no action is needed.',
+    createdAt: '2026-06-02T08:45:00+05:30',
+    read: false,
+  },
+  {
+    id: 'ntf_credit',
+    category: 'transaction',
+    title: 'Money received',
+    body: '₹24,500 was credited to your Savings account XXXX 9312 from Priya Nair.',
+    createdAt: '2026-06-02T07:10:00+05:30',
+    read: false,
+  },
+  {
+    id: 'ntf_card_bill',
+    category: 'reminder',
+    title: 'Credit card bill due soon',
+    body: 'Your card payment of ₹12,870 is due on 8 June. Pay early to avoid interest charges.',
+    createdAt: '2026-06-01T18:30:00+05:30',
+    read: false,
+  },
+  {
+    id: 'ntf_offer',
+    category: 'offer',
+    title: 'Festive cashback unlocked',
+    body: 'Get 5% cashback on UPI payments above ₹500 this week. Terms apply.',
+    createdAt: '2026-05-31T11:00:00+05:30',
+    read: true,
+  },
+  {
+    id: 'ntf_fd',
+    category: 'reminder',
+    title: 'Fixed deposit maturing',
+    body: 'Your fixed deposit of ₹1,00,000 matures on 15 June. Choose to renew or withdraw.',
+    createdAt: '2026-05-30T09:20:00+05:30',
+    read: true,
+  },
+  {
+    id: 'ntf_kyc',
+    category: 'system',
+    title: 'KYC verification complete',
+    body: 'Your KYC details have been verified successfully. All account features are now active.',
+    createdAt: '2026-05-28T16:05:00+05:30',
+    read: true,
+  },
+];
+
 export const demoAccounts: AccountSummary[] = [
   {
     id: 'acc_primary',

src/hooks/useAppBootstrap.ts

@@ -65,7 +65,7 @@ export const useAppBootstrap = () => {
   useEffect(() => {
     const unregister = registerUnauthorizedHandler(() => {
       dispatch(logoutSession());
-      toast('Signed out', 'info', 'Your session was refreshed for security reasons.');
+      toast('Signed out', 'info', 'For your security, your session was refreshed.');
     });
 
     return unregister;

src/modules/auth/components/LoginRoleTabs.tsx

@@ -11,7 +11,7 @@ interface LoginRoleTabsProps {
   onRoleChange: (role: LoginRole) => void;
 }
 
-const ROLES: LoginRole[] = ['User', 'Employee', 'Agent'];
+const ROLES: LoginRole[] = ['User', 'Agent'];
 
 const ActiveTabBackground = () => (
   <Animated.View

src/modules/auth/screens/LoginScreen.tsx

@@ -36,12 +36,12 @@ export default function LoginScreen(props: Readonly<Props>) {
 
   const handleForgotPassword = () => {
     haptics.selection();
-    toast('Redirecting to secure reset channel...', 'info');
+    toast('Resetting your password', 'info', 'We are taking you to reset your password.');
   };
   
   const handleSignUp = () => {
     haptics.selection();
-    toast('Initializing onboarding sequence...', 'info');
+    toast('Creating your account', 'info', 'We are taking you to open a new account.');
   };
 
   const handleContinue = async () => {
@@ -55,11 +55,11 @@ export default function LoginScreen(props: Readonly<Props>) {
       await secureStorage.saveSession(tokens);
       dispatch(authActions.authenticate(tokens));
       haptics.success();
-      toast('Neural bridge established', 'success');
+      toast('Signed in', 'success', 'Welcome back to your account.');
       return;
     } catch {
       haptics.error();
-      toast('Access Denied', 'error', 'Authorization failed. Retry handshake.');
+      toast('Sign-in failed', 'error', 'We could not verify your details. Please check and try again.');
     }
   };
 
@@ -68,7 +68,7 @@ export default function LoginScreen(props: Readonly<Props>) {
     const success = await promptBiometric();
 
     if (!success) {
-      toast('Biometric scan aborted', 'info');
+      toast('Biometric sign-in cancelled', 'info', 'You can try again or sign in with your password.');
       return;
     }
 
@@ -82,7 +82,7 @@ export default function LoginScreen(props: Readonly<Props>) {
     await secureStorage.saveSession(tokens);
     dispatch(authActions.authenticate(tokens));
     haptics.success();
-    toast('Synapse link verified', 'success');
+    toast('Signed in', 'success', 'Your identity was confirmed. Welcome back.');
   };
 
   return (

src/modules/cards/screens/ApplyCreditCardScreen.tsx

@@ -91,31 +91,31 @@ export default function ApplyCreditCardScreen({ navigation }: Props) {
       toast(
         'Income too low',
         'error',
-        'Enter an annual income of at least Rs 3,00,000 to continue.',
+        'Please enter an annual income of at least Rs 3,00,000 to continue.',
       );
       return;
     }
 
     if (!employerName.trim()) {
-      toast('Employer required', 'error', 'Enter your employer or business name.');
+      toast('Employer name needed', 'error', 'Please enter your employer or business name.');
       return;
     }
 
     if (!city.trim()) {
-      toast('City required', 'error', 'Enter your current city to continue.');
+      toast('City needed', 'error', 'Please enter your current city to continue.');
       return;
     }
 
     if (!selectedRepaymentAccount) {
-      toast('Account required', 'error', 'Select a repayment account for your credit card.');
+      toast('Repayment account needed', 'error', 'Please select a repayment account for your credit card.');
       return;
     }
 
     if (!consentAccepted) {
       toast(
-        'Consent required',
+        'Consent needed',
         'error',
-        'Accept the bureau and KYC consent to submit your application.',
+        'Please accept the credit bureau and KYC consent to submit your application.',
       );
       return;
     }

src/modules/cards/screens/CardDetailsScreen.tsx

@@ -200,8 +200,8 @@ export default function CardDetailsScreen({ route }: Props) {
       nextStatus === 'blocked' ? 'Card blocked' : 'Card active',
       nextStatus === 'blocked' ? 'error' : 'success',
       nextStatus === 'blocked'
-        ? 'All new transactions are disabled.'
+        ? 'New transactions on this card are now stopped.'
-        : 'Transactions are enabled again.',
+        : 'You can use this card again.',
     );
   };
 
@@ -217,8 +217,8 @@ export default function CardDetailsScreen({ route }: Props) {
       card.controls.frozen ? 'Card unfrozen' : 'Card frozen',
       'success',
       card.controls.frozen
-        ? 'The card is ready for use again.'
+        ? 'Your card is ready to use again.'
-        : 'Temporary freeze applied successfully.',
+        : 'Transactions on this card are paused for now.',
     );
   };
 
@@ -227,16 +227,16 @@ export default function CardDetailsScreen({ route }: Props) {
 
     if (!authenticated) {
       toast(
-        'Authentication required',
+        'Verification needed',
         'info',
-        'Use biometrics to reveal the full number and CVV.',
+        'Confirm with your fingerprint or face to view the full number and CVV.',
       );
       return;
     }
 
     setSensitiveVisible((currentValue) => !currentValue);
     toast(
-      sensitiveVisible ? 'Sensitive details hidden' : 'Sensitive details unlocked',
+      sensitiveVisible ? 'Card details hidden' : 'Card details shown',
       'success',
     );
   };
@@ -245,11 +245,11 @@ export default function CardDetailsScreen({ route }: Props) {
     const authenticated = await promptBiometric();
 
     if (!authenticated) {
-      toast(actionLabel, 'info', 'Biometric confirmation is required for PIN actions.');
+      toast(actionLabel, 'info', 'Please confirm with your fingerprint or face to manage your PIN.');
       return;
     }
 
-    toast(actionLabel, 'success', `${actionLabel} journey started securely.`);
+    toast(actionLabel, 'success', `You can now ${actionLabel.toLowerCase()} securely.`);
   };
 
   const handleGenerateVirtualCard = () => {
@@ -259,18 +259,18 @@ export default function CardDetailsScreen({ route }: Props) {
         virtualCard: createVirtualCardPayload(card.id, virtualLimitDraft),
       }),
     );
-    toast('Virtual card created', 'success', 'Your online-use virtual card is ready.');
+    toast('Virtual card created', 'success', 'Your virtual card for online payments is ready.');
   };
 
   const handleDeleteVirtualCard = () => {
     dispatch(cardsActions.deleteVirtualCard({ cardId: card.id }));
     setVirtualLimitDraft(10000);
-    toast('Virtual card deleted', 'info', 'The virtual card was removed successfully.');
+    toast('Virtual card deleted', 'info', 'Your virtual card has been removed.');
   };
 
   const handleRedeemRewards = () => {
     if (card.rewards.points <= 0) {
-      toast('No reward points', 'info', 'There are no points available to redeem.');
+      toast('No reward points', 'info', 'You do not have any points to redeem right now.');
       return;
     }
 
@@ -279,7 +279,7 @@ export default function CardDetailsScreen({ route }: Props) {
     toast(
       'Rewards redeemed',
       'success',
-      `${pointsToRedeem.toLocaleString('en-IN')} points were redeemed to your reward balance.`,
+      `${pointsToRedeem.toLocaleString('en-IN')} points have been added to your reward balance.`,
     );
   };
 
@@ -287,25 +287,25 @@ export default function CardDetailsScreen({ route }: Props) {
     const nextName = renameDraft.trim();
 
     if (nextName.length < 3) {
-      toast('Invalid card name', 'error', 'Use at least 3 characters for the new card name.');
+      toast('Card name too short', 'error', 'Please use at least 3 characters for the card name.');
       return;
     }
 
     dispatch(cardsActions.renameCard({ cardId: card.id, name: nextName }));
-    toast('Card renamed', 'success', `This card is now labeled "${nextName}".`);
+    toast('Card renamed', 'success', `Your card is now named "${nextName}".`);
   };
 
   const handleSetDefaultCard = () => {
     dispatch(cardsActions.setDefaultCard({ cardId: card.id }));
-    toast('Default card updated', 'success', 'This card is now your default payment card.');
+    toast('Default card updated', 'success', 'This card is now your default for payments.');
   };
 
   const handleStatementDownload = (statement: CardStatement) => {
-    toast('Statement download', 'success', `${statement.monthLabel} PDF is ready for download.`);
+    toast('Download started', 'success', `Your ${statement.monthLabel} statement PDF is ready to download.`);
   };
 
   const handleStatementEmail = (statement: CardStatement) => {
-    toast('Statement email queued', 'info', `${statement.monthLabel} will be emailed shortly.`);
+    toast('Statement on its way', 'info', `Your ${statement.monthLabel} statement will arrive in your email shortly.`);
   };
 
   const budgetProgress =

src/modules/cards/screens/CardsOverviewScreen.tsx

@@ -1,7 +1,6 @@
 import React, { useMemo } from 'react';
 import {
   Pressable,
-  ScrollView,
   StyleSheet,
   Text,
   View,
@@ -16,6 +15,7 @@ import { useToast } from '../../../hooks/useToast';
 import type { CardsStackParamList } from '../../../navigation/types';
 import { useTheme } from '../../../theme';
 import { formatCompactCurrency, formatCurrency } from '../../../utils/formatters';
+import { TAB_BAR_HEIGHT } from '../../../utils/layoutConstants';
 import { CardCarousel } from '../components/CardCarousel';
 import { CardDeliveryStatus } from '../components/CardDeliveryStatus';
 import { CardsSkeleton } from '../components/CardsSkeleton';
@@ -260,8 +260,8 @@ export default function CardsOverviewScreen({ navigation }: Props) {
       nextStatus === 'blocked' ? 'Card blocked' : 'Card unblocked',
       nextStatus === 'blocked' ? 'error' : 'success',
       nextStatus === 'blocked'
-        ? 'This card is now blocked for all new transactions.'
+        ? 'Your card is now blocked for all new transactions.'
-        : 'This card is active again.',
+        : 'Your card is active again.',
     );
   };
 
@@ -296,14 +296,18 @@ export default function CardsOverviewScreen({ navigation }: Props) {
     <ScreenShell
       title="Cards"
       subtitle="Premium controls, insights, and secure card tools"
-      scrollable={false}
+      contentContainerStyle={styles.scrollContent}
-    >
+      fixedFooter={
-      <View style={styles.flex}>
+        <Pressable
-        <ScrollView
+          onPress={handleRequestDebitCard}
-          showsVerticalScrollIndicator={false}
+          style={[styles.fab, { backgroundColor: theme.colors.primary }]}
-          contentContainerStyle={styles.scrollContent}
         >
-          <View style={styles.heroCopy}>
+          <Ionicons name="add-outline" size={24} color={theme.colors.white} />
+          <Text style={styles.fabLabel}>Request Card</Text>
+        </Pressable>
+      }
+    >
+      <View style={styles.heroCopy}>
             <View>
               <Text style={[styles.heroEyebrow, { color: theme.colors.textSecondary }]}>
                 Selected wallet card
@@ -558,32 +562,15 @@ export default function CardsOverviewScreen({ navigation }: Props) {
             </View>
           </Card>
 
-          <View style={styles.footerSpace} />
-        </ScrollView>
-
-        <Pressable
-          onPress={handleRequestDebitCard}
-          style={[
-            styles.fab,
-            { backgroundColor: theme.colors.primary },
-          ]}
-        >
-          <Ionicons name="add-outline" size={24} color={theme.colors.white} />
-          <Text style={styles.fabLabel}>Request Card</Text>
-        </Pressable>
-      </View>
-      <View style={styles.bottomInset} />
     </ScreenShell>
   );
 }
 
 const styles = StyleSheet.create({
-  flex: {
-    flex: 1,
-  },
   scrollContent: {
     gap: 18,
-    paddingBottom: 120,
+    // Clear the absolute tab bar + the floating "Request Card" button.
+    paddingBottom: TAB_BAR_HEIGHT + 120,
   },
   emptyStateWrap: {
     gap: 20,
@@ -805,13 +792,10 @@ const styles = StyleSheet.create({
     fontSize: 13,
     fontWeight: '800',
   },
-  footerSpace: {
-    height: 24,
-  },
   fab: {
     position: 'absolute',
     right: 4,
-    bottom: 22,
+    bottom: TAB_BAR_HEIGHT + 20,
     flexDirection: 'row',
     alignItems: 'center',
     gap: 8,
@@ -829,7 +813,4 @@ const styles = StyleSheet.create({
     fontSize: 14,
     fontWeight: '800',
   },
-  bottomInset: {
-    height: 60,
-  },
 });

src/modules/cards/screens/RequestPhysicalCardScreen.tsx

@@ -96,17 +96,17 @@ export default function RequestPhysicalCardScreen({ navigation }: Props) {
 
   const handleSubmit = () => {
     if (!selectedAccount) {
-      toast('Unable to place request', 'error', 'Select a linked account first.');
+      toast('We need an account first', 'error', 'Please choose the account you want this card linked to.');
       return;
     }
 
     if (!nameOnCard.trim()) {
-      toast('Name required', 'error', 'Enter the cardholder name to print on the card.');
+      toast('Name needed', 'error', 'Please enter the name you would like printed on your card.');
       return;
     }
 
     if (deliveryMode === 'home' && !deliveryAddress.trim()) {
-      toast('Address required', 'error', 'Add a delivery address for doorstep dispatch.');
+      toast('Address needed', 'error', 'Please add the address where you would like your card delivered.');
       return;
     }
 

src/modules/deposit/screens/DepositDetailsScreen.tsx

@@ -84,7 +84,7 @@ export default function DepositDetailsScreen({ navigation, route }: Props) {
         'success',
         deposit.status === 'matured'
           ? 'The maturity amount has been credited to your linked account.'
-          : 'Closure request completed successfully.',
+          : 'Your deposit has been closed and the proceeds are on their way.',
       );
     } catch {
       toast(

src/modules/deposit/screens/OpenFixedDepositScreen.tsx

@@ -99,7 +99,7 @@ export default function OpenFixedDepositScreen({ navigation }: Props) {
     setErrors(validation);
 
     if (Object.keys(validation).length) {
-      toast('Check deposit inputs', 'error', 'Please correct the highlighted fields.');
+      toast('Some details need a look', 'error', 'Please check the details below and try again.');
       return;
     }
 
@@ -110,7 +110,7 @@ export default function OpenFixedDepositScreen({ navigation }: Props) {
         interestPayoutType: payoutType,
       }).unwrap();
 
-      toast('Fixed deposit created', 'success', 'Your new FD is now active.');
+      toast('Fixed deposit created', 'success', 'Your new fixed deposit is now active.');
       navigation.replace('DepositDetails', {
         depositId: deposit.id,
         kind: deposit.kind,

src/modules/deposit/screens/OpenRecurringDepositScreen.tsx

@@ -88,7 +88,7 @@ export default function OpenRecurringDepositScreen({ navigation }: Props) {
     setErrors(validation);
 
     if (Object.keys(validation).length) {
-      toast('Check recurring deposit inputs', 'error', 'Please correct the highlighted fields.');
+      toast('Some details are missing', 'error', 'Please check the details below and try again.');
       return;
     }
 
@@ -98,13 +98,13 @@ export default function OpenRecurringDepositScreen({ navigation }: Props) {
         tenureMonths,
       }).unwrap();
 
-      toast('Recurring deposit created', 'success', 'Your new RD is now active.');
+      toast('Recurring deposit created', 'success', 'Your new recurring deposit is now active.');
       navigation.replace('DepositDetails', {
         depositId: deposit.id,
         kind: deposit.kind,
       });
     } catch {
-      toast('Unable to open recurring deposit', 'error', 'Please try again shortly.');
+      toast('We couldn\'t open your recurring deposit', 'error', 'Something went wrong on our end. Please try again in a moment.');
     }
   };
 

src/modules/home/screens/HomeScreen.tsx

@@ -13,6 +13,7 @@ import { HomeSectionHeader } from '../components/HomeSectionHeader';
 import { ServiceGridItem } from '../components/ServiceGridItem';
 import { PromoBanner } from '../components/PromoBanner';
 import { HorizontalCategories } from '../components/HorizontalCategories';
+import { selectUnreadNotificationCount } from '../../notifications/store/notificationsSlice';
 
 const { width: SCREEN_WIDTH } = Dimensions.get('window');
 const SPACING = 16;
@@ -27,6 +28,7 @@ export default function HomeScreen({ navigation }: Props) {
   const theme = useTheme();
   const accounts = useAppSelector((state) => state.account.accounts);
   const profile = useAppSelector((state) => state.user.profile);
+  const unreadNotifications = useAppSelector(selectUnreadNotificationCount);
   const [activeIndex, setActiveIndex] = useState(0);
   const scrollX = useRef(new Animated.Value(0)).current;
   const account = accounts[activeIndex] || accounts[0];
@@ -97,10 +99,23 @@ export default function HomeScreen({ navigation }: Props) {
             </View>
           </View>
           <View style={styles.headerActions}>
-            <Pressable style={[styles.iconButton, { backgroundColor: theme.colors.surface }]}>
+            <Pressable
+              style={[styles.iconButton, { backgroundColor: theme.colors.surface }]}
+              onPress={() => navigation.navigate('Notifications')}
+            >
               <Ionicons name="notifications-outline" size={22} color={theme.colors.textPrimary} />
+              {unreadNotifications > 0 ? (
+                <View style={[styles.badge, { backgroundColor: theme.colors.danger, borderColor: theme.colors.surface }]}>
+                  <Text style={styles.badgeText}>
+                    {unreadNotifications > 9 ? '9+' : unreadNotifications}
+                  </Text>
+                </View>
+              ) : null}
             </Pressable>
-            <Pressable style={[styles.iconButton, { backgroundColor: theme.colors.surface }]}>
+            <Pressable
+              style={[styles.iconButton, { backgroundColor: theme.colors.surface }]}
+              onPress={() => navigation.navigate('GlobalSearch')}
+            >
               <Ionicons name="search-outline" size={22} color={theme.colors.textPrimary} />
             </Pressable>
           </View>
@@ -276,6 +291,23 @@ const styles = StyleSheet.create({
     shadowRadius: 5,
     elevation: 2,
   },
+  badge: {
+    position: 'absolute',
+    top: 4,
+    right: 4,
+    minWidth: 18,
+    height: 18,
+    borderRadius: 9,
+    borderWidth: 1.5,
+    paddingHorizontal: 4,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  badgeText: {
+    color: '#FFFFFF',
+    fontSize: 10,
+    fontWeight: '800',
+  },
   section: {
     paddingHorizontal: 6,
     marginBottom: 24,

src/modules/insurance/screens/BuyInsuranceScreen.tsx

@@ -100,7 +100,7 @@ export default function BuyInsuranceScreen({ navigation, route }: Props) {
       return;
     }
 
-    toast('Unable to send OTP', 'error', 'Please try again.');
+    toast('Unable to send OTP', 'error', 'We could not send your code right now. Please try again.');
   };
 
   const handleConfirmPurchase = async () => {

src/modules/insurance/screens/InsuranceClaimsScreen.tsx

@@ -116,7 +116,7 @@ export default function InsuranceClaimsScreen({ route }: Props) {
       return;
     }
 
-    toast('Unable to attach document', 'error', 'Please try again.');
+    toast('Couldn’t attach document', 'error', 'Something went wrong while uploading. Please try again.');
   };
 
   const handleRequestOtp = async () => {
@@ -136,7 +136,7 @@ export default function InsuranceClaimsScreen({ route }: Props) {
       return;
     }
 
-    toast('Unable to send OTP', 'error', 'Please try again.');
+    toast('Couldn’t send OTP', 'error', 'We couldn’t send your one-time password. Please try again.');
   };
 
   const handleSubmitClaim = async () => {

src/modules/insurance/screens/InsuranceDocumentsScreen.tsx

@@ -60,9 +60,9 @@ export default function InsuranceDocumentsScreen(_props: Props) {
     const result = await uploadDocument(sample);
 
     if ('data' in result) {
-      toast('Document uploaded', 'success', `${sample.name} is now available in the secure vault.`);
+      toast('Document uploaded', 'success', `${sample.name} is now saved securely with your documents.`);
     } else {
-      toast('Upload failed', 'error', 'Please try again.');
+      toast('Upload didn’t go through', 'error', 'Please check your connection and try uploading again.');
     }
   };
 
@@ -118,7 +118,7 @@ export default function InsuranceDocumentsScreen(_props: Props) {
           <InsuranceDocumentItem
             document={item}
             onView={() =>
-              toast('Document available', 'info', `${item.name} is stored in encrypted vault storage.`)
+              toast('Document available', 'info', `${item.name} is saved securely with your documents.`)
             }
             onReupload={() =>
               void uploadDocument({

src/modules/insurance/screens/InsurancePolicyDetailsScreen.tsx

@@ -127,7 +127,7 @@ export default function InsurancePolicyDetailsScreen({ navigation, route }: Prop
                 toast(
                   'Policy download ready',
                   'success',
-                  `${data.documents[0]?.name ?? 'Policy schedule'} is ready from the secure vault.`,
+                  `${data.documents[0]?.name ?? 'Policy schedule'} is ready to download.`,
                 )
               }
             />

src/modules/insurance/screens/InsuranceRenewalsScreen.tsx

@@ -65,10 +65,10 @@ export default function InsuranceRenewalsScreen({ route }: Props) {
       toast(
         enabled ? 'Auto-renew enabled' : 'Auto-renew disabled',
         'success',
-        `${due.planName} has been updated.`,
+        `Your settings for ${due.planName} have been updated.`,
       );
     } else {
-      toast('Unable to update auto-renew', 'error', 'Please try again.');
+      toast('Couldn\'t update auto-renew', 'error', 'Something went wrong on our end. Please try again.');
     }
   };
 
@@ -87,7 +87,7 @@ export default function InsuranceRenewalsScreen({ route }: Props) {
       return;
     }
 
-    toast('Unable to send OTP', 'error', 'Please try again.');
+    toast('Couldn\'t send OTP', 'error', 'We couldn\'t send your code right now. Please try again.');
   };
 
   const handleConfirmPayment = async () => {

src/modules/notifications/screens/NotificationsScreen.tsx

@@ -0,0 +1,389 @@
+import React, { useCallback, useMemo } from 'react';
+import { Dimensions, FlatList, Pressable, StyleSheet, Text, View } from 'react-native';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+import { Swipeable } from 'react-native-gesture-handler';
+import Animated, { Easing, LinearTransition, withTiming } from 'react-native-reanimated';
+import type { ExitAnimationsValues, LayoutAnimation } from 'react-native-reanimated';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { Button, Card, EmptyState, ScreenShell } from '../../../components';
+import { useAppDispatch, useAppSelector } from '../../../app/hooks';
+import { useTheme } from '../../../theme';
+import { useToast } from '../../../hooks/useToast';
+import { formatDate } from '../../../utils/formatters';
+import type { AppNotification, NotificationCategory } from '../../../types/app';
+import type { HomeStackParamList } from '../../../navigation/types';
+import {
+  displayLocalNotification,
+  getDummyNotificationContent,
+  scheduleLocalNotification,
+} from '../../../services/notifications/pushNotifications';
+import {
+  notificationsActions,
+  selectNotifications,
+  selectUnreadNotificationCount,
+} from '../store/notificationsSlice';
+
+type Props = NativeStackScreenProps<HomeStackParamList, 'Notifications'>;
+
+type IconName = React.ComponentProps<typeof Ionicons>['name'];
+
+const CATEGORY_ICON: Record<NotificationCategory, IconName> = {
+  transaction: 'swap-horizontal-outline',
+  security: 'shield-checkmark-outline',
+  offer: 'pricetag-outline',
+  reminder: 'alarm-outline',
+  system: 'information-circle-outline',
+};
+
+const categoryColor = (
+  category: NotificationCategory,
+  colors: ReturnType<typeof useTheme>['colors'],
+) => {
+  switch (category) {
+    case 'security':
+      return colors.warning;
+    case 'offer':
+      return colors.accent;
+    case 'reminder':
+      return colors.info;
+    case 'system':
+      return colors.textSecondary;
+    case 'transaction':
+    default:
+      return colors.primary;
+  }
+};
+
+const formatRelativeTime = (iso: string) => {
+  const then = new Date(iso).getTime();
+  const diffMinutes = Math.round((Date.now() - then) / 60000);
+
+  if (!Number.isFinite(diffMinutes)) return formatDate(iso);
+  if (diffMinutes < 1) return 'Just now';
+  if (diffMinutes < 60) return `${diffMinutes}m ago`;
+
+  const diffHours = Math.round(diffMinutes / 60);
+  if (diffHours < 24) return `${diffHours}h ago`;
+
+  const diffDays = Math.round(diffHours / 24);
+  if (diffDays === 1) return 'Yesterday';
+  if (diffDays < 7) return `${diffDays}d ago`;
+
+  return formatDate(iso);
+};
+
+const SCREEN_WIDTH = Dimensions.get('window').width;
+
+// Custom exit: the tile flies off to the left while shrinking and fading,
+// so a deleted notification "vanishes" instead of blinking out.
+const vanishExit = (_values: ExitAnimationsValues): LayoutAnimation => {
+  'worklet';
+  return {
+    initialValues: {
+      opacity: 1,
+      transform: [{ translateX: 0 }, { scale: 1 }],
+    },
+    animations: {
+      opacity: withTiming(0, { duration: 220, easing: Easing.in(Easing.ease) }),
+      transform: [
+        { translateX: withTiming(-SCREEN_WIDTH, { duration: 320, easing: Easing.in(Easing.cubic) }) },
+        { scale: withTiming(0.7, { duration: 320, easing: Easing.in(Easing.cubic) }) },
+      ],
+    },
+  };
+};
+
+export default function NotificationsScreen(_props: Props) {
+  const theme = useTheme();
+  const dispatch = useAppDispatch();
+  const toast = useToast();
+  const notifications = useAppSelector(selectNotifications);
+  const unreadCount = useAppSelector(selectUnreadNotificationCount);
+
+  const sorted = useMemo(
+    () =>
+      [...notifications].sort(
+        (a, b) => new Date(b.createdAt).getTime() - new Date(a.createdAt).getTime(),
+      ),
+    [notifications],
+  );
+
+  const subtitle =
+    unreadCount > 0
+      ? `${unreadCount} unread ${unreadCount === 1 ? 'update' : 'updates'}`
+      : "You're all caught up";
+
+  const handlePress = useCallback(
+    (notification: AppNotification) => {
+      if (!notification.read) {
+        dispatch(notificationsActions.markAsRead(notification.id));
+      }
+    },
+    [dispatch],
+  );
+
+  const handleMarkAll = useCallback(() => {
+    dispatch(notificationsActions.markAllRead());
+  }, [dispatch]);
+
+  const handleDelete = useCallback(
+    (id: string) => {
+      dispatch(notificationsActions.removeNotification(id));
+    },
+    [dispatch],
+  );
+
+  // Foreground demo: pop a system heads-up notification now and add it to the list.
+  const handleSendNow = useCallback(async () => {
+    const content = getDummyNotificationContent();
+    dispatch(
+      notificationsActions.addNotification({
+        id: `ntf_${Date.now()}`,
+        category: content.category,
+        title: content.title,
+        body: content.body,
+        createdAt: new Date().toISOString(),
+        read: false,
+      }),
+    );
+    try {
+      await displayLocalNotification(content);
+    } catch {
+      toast(
+        'Added to your list',
+        'info',
+        'Rebuild the app to also get the system pop-up.',
+      );
+    }
+  }, [dispatch, toast]);
+
+  // Background demo: schedule a notification, then minimise the app to see it arrive.
+  const handleSchedule = useCallback(async () => {
+    const content = getDummyNotificationContent();
+    try {
+      await scheduleLocalNotification(content, 5);
+      toast(
+        'Notification scheduled',
+        'info',
+        'Minimise the app — it arrives in about 5 seconds.',
+      );
+    } catch {
+      toast("Couldn't schedule", 'error', 'Rebuild the app to enable scheduled notifications.');
+    }
+  }, [toast]);
+
+  const renderItem = useCallback(
+    ({ item }: { item: AppNotification }) => {
+      const accent = categoryColor(item.category, theme.colors);
+
+      const renderRightActions = () => (
+        <Pressable
+          onPress={() => handleDelete(item.id)}
+          style={[styles.deleteAction, { backgroundColor: theme.colors.danger }]}
+        >
+          <Ionicons name="trash-outline" size={22} color={theme.colors.white} />
+          <Text style={styles.deleteText}>Delete</Text>
+        </Pressable>
+      );
+
+      return (
+        <Animated.View
+          exiting={vanishExit}
+          layout={LinearTransition.springify().damping(16).stiffness(170).mass(0.6)}
+        >
+        <Swipeable
+          renderRightActions={renderRightActions}
+          overshootRight={false}
+          rightThreshold={40}
+          friction={2}
+        >
+          <Pressable onPress={() => handlePress(item)}>
+            <Card style={[styles.card, !item.read && styles.cardUnread]}>
+              <View style={styles.row}>
+                <View style={[styles.iconWrap, { backgroundColor: `${accent}18` }]}>
+                  <Ionicons name={CATEGORY_ICON[item.category]} size={20} color={accent} />
+                </View>
+                <View style={styles.copy}>
+                  <Text style={[styles.title, { color: theme.colors.textPrimary }]}>
+                    {item.title}
+                  </Text>
+                  <Text style={[styles.body, { color: theme.colors.textSecondary }]}>
+                    {item.body}
+                  </Text>
+                  <Text style={[styles.time, { color: theme.colors.textMuted }]}>
+                    {formatRelativeTime(item.createdAt)}
+                  </Text>
+                </View>
+                {!item.read ? (
+                  <View style={[styles.unreadDot, { backgroundColor: theme.colors.primary }]} />
+                ) : null}
+              </View>
+            </Card>
+          </Pressable>
+        </Swipeable>
+        </Animated.View>
+      );
+    },
+    [handlePress, handleDelete, theme],
+  );
+
+  return (
+    <ScreenShell
+      title="Notifications"
+      subtitle={subtitle}
+      scrollable={false}
+      rightContent={
+        unreadCount > 0 ? (
+          <Pressable onPress={handleMarkAll} hitSlop={8} style={styles.markAllButton}>
+            <Text style={[styles.markAllText, { color: theme.colors.primary }]}>Mark all read</Text>
+          </Pressable>
+        ) : null
+      }
+    >
+      <FlatList
+        data={sorted}
+        keyExtractor={(item) => item.id}
+        renderItem={renderItem}
+        showsVerticalScrollIndicator={false}
+        removeClippedSubviews={false}
+        contentContainerStyle={styles.listContent}
+        ItemSeparatorComponent={ItemSeparator}
+        ListHeaderComponent={
+          <Card style={styles.demoCard}>
+            <Text style={[styles.demoTitle, { color: theme.colors.textPrimary }]}>
+              Try a notification
+            </Text>
+            <Text style={[styles.demoSubtitle, { color: theme.colors.textSecondary }]}>
+              Send a dummy alert now, or schedule one and minimise the app.
+            </Text>
+            <View style={styles.demoButtons}>
+              <Button
+                title="Send now"
+                fullWidth={false}
+                style={styles.demoButton}
+                onPress={handleSendNow}
+                leftAccessory={
+                  <Ionicons name="notifications-outline" size={18} color={theme.colors.white} />
+                }
+              />
+              <Button
+                title="In 5s"
+                variant="secondary"
+                fullWidth={false}
+                style={styles.demoButton}
+                onPress={handleSchedule}
+                leftAccessory={
+                  <Ionicons name="time-outline" size={18} color={theme.colors.textPrimary} />
+                }
+              />
+            </View>
+          </Card>
+        }
+        ListEmptyComponent={
+          <EmptyState
+            title="No notifications"
+            description="Account alerts, reminders, and offers will show up here."
+          />
+        }
+      />
+    </ScreenShell>
+  );
+}
+
+const ItemSeparator = () => <View style={styles.separator} />;
+
+const styles = StyleSheet.create({
+  listContent: {
+    paddingBottom: 24,
+  },
+  separator: {
+    height: 10,
+  },
+  demoCard: {
+    padding: 16,
+    gap: 8,
+    marginBottom: 12,
+  },
+  demoTitle: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  demoSubtitle: {
+    fontSize: 12.5,
+    lineHeight: 18,
+  },
+  demoButtons: {
+    flexDirection: 'row',
+    gap: 10,
+    marginTop: 4,
+  },
+  demoButton: {
+    flex: 1,
+  },
+  card: {
+    padding: 14,
+  },
+  // Unread highlight: an OPAQUE tint + border. A translucent background here
+  // makes Android render the card's elevation shadow as a grey box around it.
+  cardUnread: {
+    backgroundColor: '#EDF3FA',
+    borderColor: '#D2E0EF',
+  },
+  row: {
+    flexDirection: 'row',
+    alignItems: 'flex-start',
+    gap: 12,
+  },
+  iconWrap: {
+    width: 42,
+    height: 42,
+    borderRadius: 14,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  copy: {
+    flex: 1,
+    gap: 3,
+  },
+  title: {
+    fontSize: 15,
+    fontWeight: '800',
+  },
+  body: {
+    fontSize: 12.5,
+    lineHeight: 18,
+  },
+  time: {
+    fontSize: 11,
+    fontWeight: '600',
+    marginTop: 2,
+  },
+  unreadDot: {
+    width: 10,
+    height: 10,
+    borderRadius: 5,
+    marginTop: 6,
+  },
+  deleteAction: {
+    width: 88,
+    alignItems: 'center',
+    justifyContent: 'center',
+    gap: 4,
+    borderTopRightRadius: 12,
+    borderBottomRightRadius: 12,
+  },
+  deleteText: {
+    color: '#FFFFFF',
+    fontSize: 12,
+    fontWeight: '800',
+  },
+  markAllButton: {
+    paddingVertical: 6,
+    paddingHorizontal: 4,
+  },
+  markAllText: {
+    fontSize: 13,
+    fontWeight: '700',
+  },
+});

src/modules/notifications/store/notificationsSlice.ts

@@ -0,0 +1,52 @@
+import { createSlice, type PayloadAction } from '@reduxjs/toolkit';
+
+import type { AppNotification } from '../../../types/app';
+import type { RootState } from '../../../app/store';
+import { demoNotifications } from '../../../constants/mockData';
+
+interface NotificationsState {
+  list: AppNotification[];
+}
+
+const initialState: NotificationsState = {
+  list: demoNotifications,
+};
+
+const notificationsSlice = createSlice({
+  name: 'notifications',
+  initialState,
+  reducers: {
+    setNotifications(state, action: PayloadAction<AppNotification[]>) {
+      state.list = action.payload;
+    },
+    addNotification(state, action: PayloadAction<AppNotification>) {
+      state.list.unshift(action.payload);
+    },
+    markAsRead(state, action: PayloadAction<string>) {
+      const notification = state.list.find((item) => item.id === action.payload);
+      if (notification) {
+        notification.read = true;
+      }
+    },
+    markAllRead(state) {
+      state.list.forEach((notification) => {
+        notification.read = true;
+      });
+    },
+    removeNotification(state, action: PayloadAction<string>) {
+      state.list = state.list.filter((item) => item.id !== action.payload);
+    },
+    clearAll(state) {
+      state.list = [];
+    },
+  },
+});
+
+export const notificationsActions = notificationsSlice.actions;
+export const notificationsReducer = notificationsSlice.reducer;
+
+// Selectors — the slice is the single source of truth for in-app notifications.
+export const selectNotifications = (state: RootState) => state.notifications.list;
+
+export const selectUnreadNotificationCount = (state: RootState) =>
+  state.notifications.list.reduce((count, item) => (item.read ? count : count + 1), 0);

src/modules/payments/screens/AddBeneficiaryScreen.tsx

@@ -4,7 +4,6 @@ import { NativeStackScreenProps } from '@react-navigation/native-stack';
 
 import { ScreenShell, Input, Button, Card, AppModal } from '../../../components';
 import { useAddBeneficiaryMutation } from '../services/paymentsApi';
-import { useTheme } from '../../../theme';
 import type { PaymentsStackParamList } from '../../../navigation/types';
 import { useDispatch } from 'react-redux';
 import { beneficiariesActions } from '../store/beneficiariesSlice';
@@ -12,7 +11,6 @@ import { beneficiariesActions } from '../store/beneficiariesSlice';
 type Props = NativeStackScreenProps<PaymentsStackParamList, 'AddBeneficiary'>;
 
 export default function AddBeneficiaryScreen({ navigation }: Props) {
-  const theme = useTheme();
   const dispatch = useDispatch();
   const [addBen, { isLoading }] = useAddBeneficiaryMutation();
 
@@ -26,36 +24,53 @@ export default function AddBeneficiaryScreen({ navigation }: Props) {
 
   const [otpModalVisible, setOtpModalVisible] = useState(false);
   const [otp, setOtp] = useState('');
+  const [otpError, setOtpError] = useState<string | undefined>(undefined);
 
   const isValid =
-    form.name.length > 2 && 
+    form.name.trim().length > 2 &&
     form.accountNumber.length > 6 &&
     form.accountNumber === form.confirmAccountNumber &&
     form.ifsc.length === 11;
 
   const handleSubmit = () => {
     if (!isValid) return;
+    setOtp('');
+    setOtpError(undefined);
     setOtpModalVisible(true);
   };
 
+  const closeOtpModal = () => {
+    setOtpModalVisible(false);
+    setOtp('');
+    setOtpError(undefined);
+  };
+
   const confirmOTPAndSave = async () => {
-    if (otp !== '123456') return; // Mock OTP validation
+    if (otp !== '123456') {
+      setOtpError('That code is incorrect. Use 123456 for this demo.');
+      return;
+    }
 
     setOtpModalVisible(false);
 
     try {
+      const nickname = form.nickname.trim() || undefined;
       const newBeneficiaryObj = {
-        name: form.name,
+        name: form.name.trim(),
-        bankName: form.ifsc.startsWith('HDFC') ? 'HDFC Bank' : 'State Bank of India', // mock logic
+        bankName: form.ifsc.toUpperCase().startsWith('HDFC') ? 'HDFC Bank' : 'State Bank of India', // mock logic
         accountMasked: form.accountNumber.slice(-4).padStart(8, 'X'),
-        nickname: form.nickname,
+        nickname,
       };
 
       const payload = await addBen(newBeneficiaryObj).unwrap();
-      dispatch(beneficiariesActions.addBeneficiary(payload));
+      // Save into the beneficiaries slice — the single source of truth that
+      // every payments screen reads, so the new payee shows up immediately.
+      dispatch(beneficiariesActions.addBeneficiary({ ...payload, nickname }));
       navigation.goBack();
     } catch (e) {
       console.warn("Failed to add beneficiary", e);
+      setOtpError('We could not save this payee. Please try again.');
+      setOtpModalVisible(true);
     }
   };
 
@@ -88,8 +103,10 @@ export default function AddBeneficiaryScreen({ navigation }: Props) {
           label="IFSC Code"
           placeholder="e.g. SBIN0001234"
           autoCapitalize="characters"
+          maxLength={11}
           value={form.ifsc}
           onChangeText={(v) => setForm({ ...form, ifsc: v })}
+          error={form.ifsc.length > 0 && form.ifsc.length !== 11 ? 'IFSC code must be 11 characters' : undefined}
         />
         <Input 
           label="Nickname (Optional)"
@@ -109,7 +126,7 @@ export default function AddBeneficiaryScreen({ navigation }: Props) {
 
       <AppModal
         visible={otpModalVisible}
-        onClose={() => setOtpModalVisible(false)}
+        onClose={closeOtpModal}
         title="Bank Authentication"
       >
          <View style={{ gap: 16 }}>
@@ -119,7 +136,11 @@ export default function AddBeneficiaryScreen({ navigation }: Props) {
              keyboardType="number-pad"
              maxLength={6}
              value={otp}
-             onChangeText={setOtp}
+             onChangeText={(v) => {
+               setOtp(v);
+               if (otpError) setOtpError(undefined);
+             }}
+             error={otpError}
            />
            <Button
              title="Confirm Addition"

src/modules/payments/screens/BeneficiariesListScreen.tsx

@@ -4,7 +4,8 @@ import { NativeStackScreenProps } from '@react-navigation/native-stack';
 import Ionicons from '@react-native-vector-icons/ionicons';
 
 import { ScreenShell, Card, Input } from '../../../components';
-import { useGetBeneficiariesQuery } from '../services/paymentsApi';
+import { useAppSelector } from '../../../app/hooks';
+import { selectBeneficiaries } from '../store/beneficiariesSlice';
 import { useTheme } from '../../../theme';
 import { TAB_BAR_HEIGHT } from '../../../utils/layoutConstants';
 import type { PaymentsStackParamList } from '../../../navigation/types';
@@ -13,7 +14,7 @@ type Props = NativeStackScreenProps<PaymentsStackParamList, 'BeneficiariesList'>
 
 export default function BeneficiariesListScreen({ navigation }: Props) {
   const theme = useTheme();
-  const { data: beneficiaries = [] } = useGetBeneficiariesQuery();
+  const beneficiaries = useAppSelector(selectBeneficiaries);
   const [search, setSearch] = useState('');
 
   const filtered = beneficiaries.filter(b => 

src/modules/payments/screens/PaymentConfirmationScreen.tsx

@@ -1,10 +1,11 @@
 import React, { useState } from 'react';
 import { StyleSheet, Text, View, ScrollView } from 'react-native';
 import { NativeStackScreenProps } from '@react-navigation/native-stack';
-import { useDispatch } from 'react-redux';
+import { useDispatch, useSelector } from 'react-redux';
 
 import { ScreenShell, Button, Card, AppModal, Input } from '../../../components';
-import { useGetBeneficiariesQuery, useSubmitBankTransferMutation } from '../services/paymentsApi';
+import { useSubmitBankTransferMutation } from '../services/paymentsApi';
+import { selectBeneficiaryById } from '../store/beneficiariesSlice';
 import { useTheme } from '../../../theme';
 import type { PaymentsStackParamList } from '../../../navigation/types';
 import { accountActions } from '../../home/store/accountSlice';
@@ -16,8 +17,7 @@ export function PaymentConfirmationScreen({ navigation, route }: Props) {
   const dispatch = useDispatch();
   const { beneficiaryId, transferType, amount, remarks } = route.params;
   
-  const { data: beneficiaries } = useGetBeneficiariesQuery();
+  const beneficiary = useSelector(selectBeneficiaryById(beneficiaryId));
-  const beneficiary = beneficiaries?.find(b => b.id === beneficiaryId);
   
   const [submitTransfer, { isLoading }] = useSubmitBankTransferMutation();
   const [otpModalVisible, setOtpModalVisible] = useState(false);

src/modules/payments/screens/PaymentFormScreen.tsx

@@ -5,7 +5,7 @@ import { useDispatch, useSelector } from 'react-redux';
 import Ionicons from '@react-native-vector-icons/ionicons';
 
 import { ScreenShell, Input, Button, Card } from '../../../components';
-import { useGetBeneficiariesQuery } from '../services/paymentsApi';
+import { selectBeneficiaryById } from '../store/beneficiariesSlice';
 import { useTheme } from '../../../theme';
 import type { PaymentsStackParamList } from '../../../navigation/types';
 import type { RootState } from '../../../app/store';
@@ -18,8 +18,7 @@ export function PaymentFormScreen({ navigation, route }: Props) {
   const theme = useTheme();
   const beneficiaryId = route.params?.beneficiaryId;
   const transferType = route.params?.transferType;
-  const { data: beneficiaries } = useGetBeneficiariesQuery();
+  const beneficiary = useSelector(selectBeneficiaryById(beneficiaryId));
-  const beneficiary = beneficiaries?.find(b => b.id === beneficiaryId);
 
   const dispatch = useDispatch();
   const [amount, setAmount] = useState('');

src/modules/payments/screens/PaymentsHomeScreen.tsx

@@ -4,7 +4,7 @@ import Ionicons from '@react-native-vector-icons/ionicons';
 import { NativeStackScreenProps } from '@react-navigation/native-stack';
 
 import { Card, ScreenShell } from '../../../components';
-import { useGetBeneficiariesQuery } from '../services/paymentsApi';
+import { selectBeneficiaries } from '../store/beneficiariesSlice';
 import { useTheme } from '../../../theme';
 import { useAppSelector } from '../../../app/hooks';
 import type { PaymentsStackParamList } from '../../../navigation/types';
@@ -16,7 +16,7 @@ type Props = NativeStackScreenProps<PaymentsStackParamList, 'PaymentsHub'>;
 export default function PaymentsHomeScreen({ navigation }: Props) {
   const theme = useTheme();
   const transactions = useAppSelector(state => state.account.transactions);
-  const { data: beneficiaries = [] } = useGetBeneficiariesQuery();
+  const beneficiaries = useAppSelector(selectBeneficiaries);
   
   // Simulated stats
   const dailyLimit = 500000;

src/modules/payments/screens/TransferTypeScreen.tsx

@@ -4,7 +4,8 @@ import { NativeStackScreenProps } from '@react-navigation/native-stack';
 import Ionicons from '@react-native-vector-icons/ionicons';
 
 import { ScreenShell, Card } from '../../../components';
-import { useGetBeneficiariesQuery } from '../services/paymentsApi';
+import { useAppSelector } from '../../../app/hooks';
+import { selectBeneficiaryById } from '../store/beneficiariesSlice';
 import { useTheme } from '../../../theme';
 import type { PaymentsStackParamList } from '../../../navigation/types';
 
@@ -13,8 +14,7 @@ type Props = NativeStackScreenProps<PaymentsStackParamList, 'TransferTypeSelecti
 export default function TransferTypeScreen({ navigation, route }: Props) {
   const theme = useTheme();
   const { beneficiaryId } = route.params;
-  const { data: beneficiaries } = useGetBeneficiariesQuery();
+  const beneficiary = useAppSelector(selectBeneficiaryById(beneficiaryId));
-  const beneficiary = beneficiaries?.find(b => b.id === beneficiaryId);
 
   const handleSelect = (type: 'IMPS' | 'NEFT' | 'RTGS') => {
     navigation.navigate('PaymentForm', { beneficiaryId, transferType: type });

src/modules/payments/store/beneficiariesSlice.ts

@@ -1,5 +1,6 @@
 import { createSlice, type PayloadAction } from '@reduxjs/toolkit';
 import type { Beneficiary } from '../../../types/app';
+import type { RootState } from '../../../app/store';
 import { demoBeneficiaries } from '../../../constants/mockData';
 
 interface BeneficiariesState {
@@ -34,3 +35,9 @@ const beneficiariesSlice = createSlice({
 
 export const beneficiariesActions = beneficiariesSlice.actions;
 export const beneficiariesReducer = beneficiariesSlice.reducer;
+
+// Selectors — the slice is the single source of truth for saved payees, so a
+// newly added beneficiary is immediately visible everywhere it is read.
+export const selectBeneficiaries = (state: RootState) => state.beneficiaries.list;
+export const selectBeneficiaryById = (id: string) => (state: RootState) =>
+  state.beneficiaries.list.find((beneficiary) => beneficiary.id === id);

src/modules/search/screens/GlobalSearchScreen.tsx

@@ -0,0 +1,207 @@
+import React, { useCallback, useMemo, useState } from 'react';
+import {
+  FlatList,
+  Keyboard,
+  Pressable,
+  StyleSheet,
+  Text,
+  View,
+} from 'react-native';
+import type { CompositeScreenProps } from '@react-navigation/native';
+import type { BottomTabScreenProps } from '@react-navigation/bottom-tabs';
+import type { NativeStackScreenProps } from '@react-navigation/native-stack';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import { EmptyState, Input, ScreenShell } from '../../../components';
+import { useAppSelector } from '../../../app/hooks';
+import { selectSelectedAccount } from '../../home/store/accountSelectors';
+import { useTheme } from '../../../theme';
+import type { HomeStackParamList, MainTabParamList } from '../../../navigation/types';
+import {
+  buildUserSearchCatalog,
+  filterFeatures,
+  type SearchableFeature,
+} from '../searchCatalog';
+
+type Props = CompositeScreenProps<
+  NativeStackScreenProps<HomeStackParamList, 'GlobalSearch'>,
+  BottomTabScreenProps<MainTabParamList>
+>;
+
+export default function GlobalSearchScreen({ navigation }: Props) {
+  const theme = useTheme();
+  const selectedAccount = useAppSelector(selectSelectedAccount);
+  const [query, setQuery] = useState('');
+
+  const catalog = useMemo(
+    () => buildUserSearchCatalog({ primaryAccountId: selectedAccount?.id }),
+    [selectedAccount?.id],
+  );
+
+  const results = useMemo(() => filterFeatures(catalog, query), [catalog, query]);
+
+  const trimmedQuery = query.trim();
+  const isSearching = trimmedQuery.length > 0;
+
+  const handleSelect = useCallback(
+    (feature: SearchableFeature) => {
+      Keyboard.dismiss();
+      // Dismiss the search screen first so it isn't left behind on the Home
+      // stack, then route to the feature (which may switch tabs).
+      navigation.goBack();
+      feature.navigate(navigation);
+    },
+    [navigation],
+  );
+
+  const renderItem = useCallback(
+    ({ item }: { item: SearchableFeature }) => (
+      <Pressable
+        onPress={() => handleSelect(item)}
+        style={({ pressed }) => [
+          styles.resultRow,
+          {
+            backgroundColor: theme.colors.surface,
+            borderColor: theme.colors.cardBorder,
+            opacity: pressed ? 0.7 : 1,
+          },
+        ]}
+      >
+        <View style={[styles.resultIcon, { backgroundColor: `${item.iconColor}18` }]}>
+          <Ionicons name={item.icon} size={20} color={item.iconColor} />
+        </View>
+        <View style={styles.resultCopy}>
+          <Text style={[styles.resultTitle, { color: theme.colors.textPrimary }]} numberOfLines={1}>
+            {item.title}
+          </Text>
+          <Text
+            style={[styles.resultSubtitle, { color: theme.colors.textSecondary }]}
+            numberOfLines={1}
+          >
+            {item.subtitle}
+          </Text>
+        </View>
+        <View style={styles.resultTrailing}>
+          <View style={[styles.moduleChip, { backgroundColor: theme.colors.surfaceMuted }]}>
+            <Text style={[styles.moduleChipText, { color: theme.colors.textMuted }]}>
+              {item.module}
+            </Text>
+          </View>
+          <Ionicons name="chevron-forward" size={16} color={theme.colors.textMuted} />
+        </View>
+      </Pressable>
+    ),
+    [handleSelect, theme],
+  );
+
+  const listHeader = (
+    <Text style={[styles.listHeader, { color: theme.colors.textMuted }]}>
+      {isSearching
+        ? `${results.length} ${results.length === 1 ? 'result' : 'results'} for "${trimmedQuery}"`
+        : 'Browse everything you can do'}
+    </Text>
+  );
+
+  return (
+    <ScreenShell title="Search" subtitle="Find any feature" scrollable={false}>
+      <Input
+        value={query}
+        onChangeText={setQuery}
+        placeholder="Search for a feature, e.g. fixed deposit"
+        autoFocus
+        autoCorrect={false}
+        autoCapitalize="none"
+        returnKeyType="search"
+        leftAccessory={
+          <Ionicons name="search-outline" size={20} color={theme.colors.textMuted} />
+        }
+        rightAccessory={
+          query.length > 0 ? (
+            <Pressable onPress={() => setQuery('')} hitSlop={12}>
+              <Ionicons name="close-circle" size={20} color={theme.colors.textMuted} />
+            </Pressable>
+          ) : undefined
+        }
+      />
+
+      <FlatList
+        data={results}
+        keyExtractor={(item) => item.id}
+        renderItem={renderItem}
+        keyboardShouldPersistTaps="handled"
+        keyboardDismissMode="on-drag"
+        showsVerticalScrollIndicator={false}
+        ListHeaderComponent={listHeader}
+        contentContainerStyle={styles.listContent}
+        style={styles.list}
+        ListEmptyComponent={
+          <EmptyState
+            title="No matches"
+            description={`We couldn't find anything for "${trimmedQuery}". Try a different word.`}
+          />
+        }
+      />
+    </ScreenShell>
+  );
+}
+
+const styles = StyleSheet.create({
+  list: {
+    flex: 1,
+  },
+  listContent: {
+    gap: 10,
+    paddingBottom: 24,
+  },
+  listHeader: {
+    fontSize: 12,
+    fontWeight: '700',
+    letterSpacing: 0.4,
+    textTransform: 'uppercase',
+    marginBottom: 4,
+  },
+  resultRow: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 14,
+    paddingVertical: 12,
+    paddingHorizontal: 14,
+    borderRadius: 16,
+    borderWidth: 1,
+  },
+  resultIcon: {
+    width: 44,
+    height: 44,
+    borderRadius: 14,
+    alignItems: 'center',
+    justifyContent: 'center',
+  },
+  resultCopy: {
+    flex: 1,
+    gap: 2,
+  },
+  resultTitle: {
+    fontSize: 15,
+    fontWeight: '700',
+  },
+  resultSubtitle: {
+    fontSize: 12.5,
+    fontWeight: '500',
+  },
+  resultTrailing: {
+    flexDirection: 'row',
+    alignItems: 'center',
+    gap: 8,
+  },
+  moduleChip: {
+    paddingHorizontal: 8,
+    paddingVertical: 4,
+    borderRadius: 8,
+  },
+  moduleChipText: {
+    fontSize: 10,
+    fontWeight: '700',
+    textTransform: 'uppercase',
+    letterSpacing: 0.4,
+  },
+});

src/modules/search/searchCatalog.ts

@@ -0,0 +1,675 @@
+import React from 'react';
+import type { CompositeNavigationProp } from '@react-navigation/native';
+import type { NativeStackNavigationProp } from '@react-navigation/native-stack';
+import type { BottomTabNavigationProp } from '@react-navigation/bottom-tabs';
+import Ionicons from '@react-native-vector-icons/ionicons';
+
+import type { HomeStackParamList, MainTabParamList } from '../../navigation/types';
+
+export type IconName = React.ComponentProps<typeof Ionicons>['name'];
+
+/**
+ * Navigation prop available to the global search screen. It is composed of the
+ * Home stack (where the search screen lives) and the bottom-tab navigator, so a
+ * single feature entry can navigate to any screen in the user app — its own tab
+ * or another one.
+ */
+export type GlobalSearchNavigation = CompositeNavigationProp<
+  NativeStackNavigationProp<HomeStackParamList, 'GlobalSearch'>,
+  BottomTabNavigationProp<MainTabParamList>
+>;
+
+/** A single searchable feature/destination in the user app. */
+export type SearchableFeature = {
+  /** Stable id, used as the list key. */
+  id: string;
+  /** Human-readable feature name shown as the result title. */
+  title: string;
+  /** Short description shown under the title. */
+  subtitle: string;
+  /** Module/group this feature belongs to (shown as a chip and used in matching). */
+  module: string;
+  icon: IconName;
+  iconColor: string;
+  /** Extra terms (synonyms, abbreviations) so search matches what people actually type. */
+  keywords: string[];
+  /** Performs the navigation to this feature. */
+  navigate: (nav: GlobalSearchNavigation) => void;
+};
+
+/** Context the catalog needs to build account-specific destinations. */
+export type SearchCatalogContext = {
+  /** Account to deep-link account-specific features to (e.g. mini statement). */
+  primaryAccountId?: string;
+};
+
+const MODULE_COLORS = {
+  accounts: '#124577',
+  payments: '#10B981',
+  cards: '#6366F1',
+  services: '#3B82F6',
+  loans: '#F59E0B',
+  insurance: '#EC4899',
+  profile: '#8B5CF6',
+} as const;
+
+/**
+ * Builds the full list of searchable features for the user (customer) app.
+ * Account-specific entries are only included when an account id is available.
+ */
+export function buildUserSearchCatalog(
+  context: SearchCatalogContext = {},
+): SearchableFeature[] {
+  const { primaryAccountId } = context;
+
+  const features: SearchableFeature[] = [
+    // ---- Accounts (Home) ----
+    {
+      id: 'accounts-overview',
+      title: 'Home',
+      subtitle: 'Your accounts and balances',
+      module: 'Accounts',
+      icon: 'home-outline',
+      iconColor: MODULE_COLORS.accounts,
+      keywords: ['dashboard', 'balance', 'accounts', 'main'],
+      navigate: (nav) => nav.navigate('Home', { screen: 'HomeMain' }),
+    },
+
+    // ---- Payments ----
+    {
+      id: 'payments-hub',
+      title: 'Payments',
+      subtitle: 'Send money and manage transfers',
+      module: 'Payments',
+      icon: 'wallet-outline',
+      iconColor: MODULE_COLORS.payments,
+      keywords: ['transfer', 'send money', 'pay', 'imps', 'neft', 'rtgs', 'fund transfer'],
+      navigate: (nav) => nav.navigate('Payments', { screen: 'PaymentsHub' }),
+    },
+    {
+      id: 'payments-beneficiaries',
+      title: 'Beneficiaries',
+      subtitle: 'View and manage your payees',
+      module: 'Payments',
+      icon: 'people-outline',
+      iconColor: MODULE_COLORS.payments,
+      keywords: ['payee', 'recipient', 'contacts', 'manage payee'],
+      navigate: (nav) => nav.navigate('Payments', { screen: 'BeneficiariesList' }),
+    },
+    {
+      id: 'payments-add-beneficiary',
+      title: 'Add beneficiary',
+      subtitle: 'Add a new payee to send money to',
+      module: 'Payments',
+      icon: 'person-add-outline',
+      iconColor: MODULE_COLORS.payments,
+      keywords: ['new payee', 'add payee', 'add recipient'],
+      navigate: (nav) => nav.navigate('Payments', { screen: 'AddBeneficiary' }),
+    },
+
+    // ---- Cards ----
+    {
+      id: 'cards-overview',
+      title: 'My cards',
+      subtitle: 'View and manage your cards',
+      module: 'Cards',
+      icon: 'card-outline',
+      iconColor: MODULE_COLORS.cards,
+      keywords: ['debit card', 'credit card', 'card controls', 'freeze card', 'block card'],
+      navigate: (nav) => nav.navigate('Cards', { screen: 'CardsOverview' }),
+    },
+    {
+      id: 'cards-apply-credit',
+      title: 'Apply for a credit card',
+      subtitle: 'Check offers and apply',
+      module: 'Cards',
+      icon: 'add-circle-outline',
+      iconColor: MODULE_COLORS.cards,
+      keywords: ['new credit card', 'credit card application'],
+      navigate: (nav) => nav.navigate('Cards', { screen: 'ApplyCreditCard' }),
+    },
+    {
+      id: 'cards-request-physical',
+      title: 'Request a debit card',
+      subtitle: 'Order a new physical card',
+      module: 'Cards',
+      icon: 'mail-outline',
+      iconColor: MODULE_COLORS.cards,
+      keywords: ['physical card', 'new debit card', 'order card', 'reissue card'],
+      navigate: (nav) => nav.navigate('Cards', { screen: 'RequestPhysicalCard' }),
+    },
+
+    // ---- Services / Deposits ----
+    {
+      id: 'services-hub',
+      title: 'Service desk',
+      subtitle: 'All service options in one place',
+      module: 'Services',
+      icon: 'grid-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['services', 'hub', 'help', 'requests'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'ServicesHub' }),
+    },
+    {
+      id: 'services-deposits',
+      title: 'Deposits',
+      subtitle: 'View your fixed and recurring deposits',
+      module: 'Services',
+      icon: 'briefcase-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['fd', 'rd', 'fixed deposit', 'recurring deposit', 'term deposit'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'DepositsOverview' }),
+    },
+    {
+      id: 'services-open-fd',
+      title: 'Open a fixed deposit',
+      subtitle: 'Start a new fixed deposit',
+      module: 'Services',
+      icon: 'trending-up-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['fd', 'new fixed deposit', 'invest'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'OpenFixedDeposit' }),
+    },
+    {
+      id: 'services-open-rd',
+      title: 'Open a recurring deposit',
+      subtitle: 'Start a new recurring deposit',
+      module: 'Services',
+      icon: 'repeat-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['rd', 'new recurring deposit', 'monthly savings'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'OpenRecurringDeposit' }),
+    },
+    {
+      id: 'services-deposit-calculator',
+      title: 'Deposit calculator',
+      subtitle: 'Estimate FD and RD returns',
+      module: 'Services',
+      icon: 'calculator-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['fd calculator', 'rd calculator', 'interest', 'maturity', 'returns'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'DepositCalculator' }),
+    },
+    {
+      id: 'services-cheque',
+      title: 'Cheque services',
+      subtitle: 'Cheque book, stop payment and tracking',
+      module: 'Services',
+      icon: 'book-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['cheque', 'check', 'chequebook'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'ChequeServicesHub' }),
+    },
+    {
+      id: 'services-cheque-book',
+      title: 'Request a cheque book',
+      subtitle: 'Order a new cheque book',
+      module: 'Services',
+      icon: 'documents-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['chequebook', 'new cheque book', 'order cheques'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'ChequeBookRequest' }),
+    },
+    {
+      id: 'services-stop-payment',
+      title: 'Stop a cheque payment',
+      subtitle: 'Block payment on a cheque',
+      module: 'Services',
+      icon: 'hand-left-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['stop cheque', 'block cheque', 'stop payment'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'StopPayment' }),
+    },
+    {
+      id: 'services-positive-pay',
+      title: 'Positive Pay',
+      subtitle: 'Confirm cheque details before clearing',
+      module: 'Services',
+      icon: 'shield-checkmark-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['cheque verification', 'positive pay system', 'pps'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'PositivePay' }),
+    },
+    {
+      id: 'services-certificates',
+      title: 'Certificates',
+      subtitle: 'Interest and balance certificates',
+      module: 'Services',
+      icon: 'document-text-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['interest certificate', 'balance certificate', 'tds', 'statement'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'CertificatesHub' }),
+    },
+    {
+      id: 'services-requests',
+      title: 'Service requests',
+      subtitle: 'Track and raise service requests',
+      module: 'Services',
+      icon: 'git-pull-request-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['complaint', 'request', 'ticket', 'support request'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'ServiceRequestsHub' }),
+    },
+    {
+      id: 'services-special-instructions',
+      title: 'Special instructions',
+      subtitle: 'Send a standing instruction to your branch',
+      module: 'Services',
+      icon: 'create-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['standing instruction', 'note to branch'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'SpecialInstructions' }),
+    },
+    {
+      id: 'services-form-15g15h',
+      title: 'Form 15G / 15H',
+      subtitle: 'Submit your tax declaration',
+      module: 'Services',
+      icon: 'reader-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['tax', 'tds', 'declaration', '15g', '15h'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'Form15G15H' }),
+    },
+    {
+      id: 'services-branch-locator',
+      title: 'Find a branch or ATM',
+      subtitle: 'Locate nearby branches and ATMs',
+      module: 'Services',
+      icon: 'map-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['atm', 'branch', 'nearby', 'location', 'directions'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'BranchLocator' }),
+    },
+    {
+      id: 'services-awareness',
+      title: 'Cyber security awareness',
+      subtitle: 'Stay safe from fraud and scams',
+      module: 'Services',
+      icon: 'shield-half-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['fraud', 'scam', 'safety', 'security tips', 'awareness'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'AwarenessList' }),
+    },
+    {
+      id: 'services-financial-protection',
+      title: 'Protection & schemes',
+      subtitle: 'Government schemes and deposit protection',
+      module: 'Services',
+      icon: 'umbrella-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['schemes', 'protection', 'social security', 'pmjjby', 'pmsby'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'FinancialProtectionMain' }),
+    },
+    {
+      id: 'services-dicgc',
+      title: 'Deposit insurance (DICGC)',
+      subtitle: 'How your deposits are protected',
+      module: 'Services',
+      icon: 'lock-closed-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['dicgc', 'deposit insurance', 'guarantee'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'DicgcHub' }),
+    },
+    {
+      id: 'services-deaf',
+      title: 'Unclaimed deposits (DEAF)',
+      subtitle: 'Claim inactive or unclaimed deposits',
+      module: 'Services',
+      icon: 'time-outline',
+      iconColor: MODULE_COLORS.services,
+      keywords: ['deaf', 'unclaimed', 'inactive account', 'dormant'],
+      navigate: (nav) => nav.navigate('Services', { screen: 'DeafHub' }),
+    },
+
+    // ---- Loans (Home > LoanFlow) ----
+    {
+      id: 'loans-dashboard',
+      title: 'Loans',
+      subtitle: 'View and manage your loans',
+      module: 'Loans',
+      icon: 'cash-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['loan', 'borrow', 'emi', 'home loan', 'personal loan', 'gold loan'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanDashboard' }),
+    },
+    {
+      id: 'loans-types',
+      title: 'Explore loan types',
+      subtitle: 'Browse available loan products',
+      module: 'Loans',
+      icon: 'list-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['loan products', 'types of loan'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanTypesListing' }),
+    },
+    {
+      id: 'loans-eligibility',
+      title: 'Check loan eligibility',
+      subtitle: 'See how much you can borrow',
+      module: 'Loans',
+      icon: 'checkmark-circle-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['eligibility', 'qualify', 'how much loan'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanEligibilityCheck', params: {} }),
+    },
+    {
+      id: 'loans-calculator',
+      title: 'EMI calculator',
+      subtitle: 'Estimate your loan EMIs',
+      module: 'Loans',
+      icon: 'calculator-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['emi', 'loan calculator', 'interest', 'repayment'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanCalculator', params: {} }),
+    },
+    {
+      id: 'loans-tracking',
+      title: 'Track loan application',
+      subtitle: 'Check your application status',
+      module: 'Loans',
+      icon: 'navigate-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['application status', 'loan status'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanTracking' }),
+    },
+    {
+      id: 'loans-history',
+      title: 'Loan history',
+      subtitle: 'See your past and active loans',
+      module: 'Loans',
+      icon: 'receipt-outline',
+      iconColor: MODULE_COLORS.loans,
+      keywords: ['past loans', 'closed loans'],
+      navigate: (nav) => nav.navigate('LoanFlow', { screen: 'LoanHistory' }),
+    },
+
+    // ---- Insurance (Home > InsuranceFlow) ----
+    {
+      id: 'insurance-dashboard',
+      title: 'Insurance',
+      subtitle: 'Manage your policies and cover',
+      module: 'Insurance',
+      icon: 'shield-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['policy', 'cover', 'life insurance', 'health insurance'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsuranceDashboard' }),
+    },
+    {
+      id: 'insurance-buy',
+      title: 'Buy insurance',
+      subtitle: 'Explore and purchase a new plan',
+      module: 'Insurance',
+      icon: 'add-circle-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['new policy', 'buy policy', 'get cover'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'BuyInsurance' }),
+    },
+    {
+      id: 'insurance-policies',
+      title: 'My policies',
+      subtitle: 'View your active insurance policies',
+      module: 'Insurance',
+      icon: 'folder-open-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['active policies', 'my cover'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsurancePolicies' }),
+    },
+    {
+      id: 'insurance-renewals',
+      title: 'Insurance renewals',
+      subtitle: 'Pay premiums and renew policies',
+      module: 'Insurance',
+      icon: 'refresh-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['renew', 'premium', 'pay premium', 'due'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsuranceRenewals' }),
+    },
+    {
+      id: 'insurance-claims',
+      title: 'Insurance claims',
+      subtitle: 'File and track insurance claims',
+      module: 'Insurance',
+      icon: 'medkit-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['claim', 'file claim', 'claim status'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsuranceClaims' }),
+    },
+    {
+      id: 'insurance-documents',
+      title: 'Insurance documents',
+      subtitle: 'Upload and view policy documents',
+      module: 'Insurance',
+      icon: 'document-attach-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['documents', 'kyc', 'upload'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsuranceDocuments' }),
+    },
+    {
+      id: 'insurance-calculator',
+      title: 'Insurance calculator',
+      subtitle: 'Estimate the cover you need',
+      module: 'Insurance',
+      icon: 'calculator-outline',
+      iconColor: MODULE_COLORS.insurance,
+      keywords: ['premium calculator', 'cover estimate'],
+      navigate: (nav) => nav.navigate('InsuranceFlow', { screen: 'InsuranceCalculator' }),
+    },
+
+    // ---- Profile & settings ----
+    {
+      id: 'profile-main',
+      title: 'Profile',
+      subtitle: 'Your profile and app settings',
+      module: 'Profile',
+      icon: 'person-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['account', 'settings', 'me'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'ProfileMain' }),
+    },
+    {
+      id: 'profile-edit',
+      title: 'Edit profile',
+      subtitle: 'Update your personal details',
+      module: 'Profile',
+      icon: 'create-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['update details', 'change name', 'contact details'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'EditProfile' }),
+    },
+    {
+      id: 'profile-accounts',
+      title: 'Account management',
+      subtitle: 'Manage your linked accounts',
+      module: 'Profile',
+      icon: 'albums-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['linked accounts', 'manage accounts'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'AccountManagement' }),
+    },
+    {
+      id: 'profile-add-account',
+      title: 'Add an account',
+      subtitle: 'Link a new account',
+      module: 'Profile',
+      icon: 'add-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['new account', 'link account', 'open account'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'AddAccount' }),
+    },
+    {
+      id: 'profile-change-pin',
+      title: 'Change PIN',
+      subtitle: 'Update your login PIN',
+      module: 'Profile',
+      icon: 'keypad-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['pin', 'reset pin', 'mpin'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'ChangePin' }),
+    },
+    {
+      id: 'profile-change-password',
+      title: 'Change password',
+      subtitle: 'Update your account password',
+      module: 'Profile',
+      icon: 'lock-closed-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['password', 'reset password'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'ChangePassword' }),
+    },
+    {
+      id: 'profile-security',
+      title: 'Security settings',
+      subtitle: 'Biometrics and account security',
+      module: 'Profile',
+      icon: 'finger-print-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['biometric', 'fingerprint', 'face id', 'security'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'SecuritySettings' }),
+    },
+    {
+      id: 'profile-privacy',
+      title: 'Privacy settings',
+      subtitle: 'Control your data and privacy',
+      module: 'Profile',
+      icon: 'eye-off-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['privacy', 'data', 'permissions'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'PrivacySettings' }),
+    },
+    {
+      id: 'profile-notifications',
+      title: 'Notification settings',
+      subtitle: 'Manage alerts and notifications',
+      module: 'Profile',
+      icon: 'notifications-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['alerts', 'notifications', 'reminders'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'NotificationSettings' }),
+    },
+    {
+      id: 'profile-language',
+      title: 'Language settings',
+      subtitle: 'Change the app language',
+      module: 'Profile',
+      icon: 'language-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['language', 'locale', 'translate'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'LanguageSettings' }),
+    },
+    {
+      id: 'profile-help',
+      title: 'Help & support',
+      subtitle: 'Get help and contact us',
+      module: 'Profile',
+      icon: 'help-buoy-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['help', 'support', 'contact', 'faq'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'HelpSupport' }),
+    },
+    {
+      id: 'profile-legal',
+      title: 'Legal information',
+      subtitle: 'Terms, policies and disclosures',
+      module: 'Profile',
+      icon: 'document-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['terms', 'privacy policy', 'legal', 'conditions'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'LegalInfo' }),
+    },
+    {
+      id: 'profile-about',
+      title: 'About this app',
+      subtitle: 'App version and information',
+      module: 'Profile',
+      icon: 'information-circle-outline',
+      iconColor: MODULE_COLORS.profile,
+      keywords: ['version', 'about', 'app info'],
+      navigate: (nav) => nav.navigate('Profile', { screen: 'AboutApp' }),
+    },
+  ];
+
+  // Account-specific destinations require an account to deep-link into.
+  if (primaryAccountId) {
+    features.push(
+      {
+        id: 'accounts-mini-statement',
+        title: 'Mini statement',
+        subtitle: 'Recent transactions on your account',
+        module: 'Accounts',
+        icon: 'list-outline',
+        iconColor: MODULE_COLORS.accounts,
+        keywords: ['transactions', 'recent', 'statement', 'history'],
+        navigate: (nav) =>
+          nav.navigate('Home', {
+            screen: 'MiniStatement',
+            params: { accountId: primaryAccountId },
+          }),
+      },
+      {
+        id: 'accounts-details',
+        title: 'Account details',
+        subtitle: 'Your account number and information',
+        module: 'Accounts',
+        icon: 'information-circle-outline',
+        iconColor: MODULE_COLORS.accounts,
+        keywords: ['account number', 'ifsc', 'details', 'branch'],
+        navigate: (nav) =>
+          nav.navigate('Home', {
+            screen: 'AccountDetails',
+            params: { accountId: primaryAccountId },
+          }),
+      },
+    );
+  }
+
+  return features;
+}
+
+/**
+ * Filters and ranks features for a query. An empty query returns the full
+ * catalog (so the screen doubles as a browsable directory). Every whitespace-
+ * separated token must appear somewhere in the feature's searchable text;
+ * matches in the title (and especially title prefixes) rank highest.
+ */
+export function filterFeatures(
+  features: SearchableFeature[],
+  rawQuery: string,
+): SearchableFeature[] {
+  const query = rawQuery.trim().toLowerCase();
+
+  if (!query) {
+    return features;
+  }
+
+  const tokens = query.split(/\s+/);
+
+  const scored = features
+    .map((feature) => {
+      const title = feature.title.toLowerCase();
+      const haystack = [feature.title, feature.subtitle, feature.module, ...feature.keywords]
+        .join(' ')
+        .toLowerCase();
+
+      if (!tokens.every((token) => haystack.includes(token))) {
+        return null;
+      }
+
+      let score = 0;
+      if (title.startsWith(query)) {
+        score += 100;
+      } else if (title.includes(query)) {
+        score += 60;
+      }
+      if (feature.keywords.some((keyword) => keyword.toLowerCase().startsWith(query))) {
+        score += 30;
+      }
+      score += tokens.filter((token) => title.includes(token)).length * 8;
+
+      return { feature, score };
+    })
+    .filter((entry): entry is { feature: SearchableFeature; score: number } => entry !== null);
+
+  scored.sort((a, b) => b.score - a.score);
+
+  return scored.map((entry) => entry.feature);
+}

src/modules/services/screens/CertificateListScreen.tsx

@@ -24,7 +24,7 @@ export default function CertificateListScreen({ route }: Props) {
   }));
 
   const handleDownload = (docName: string) => {
-    toast('Download Started', 'success', `${docName} is being securely downloaded to your device.`);
+    toast('Download started', 'success', `${docName} is being saved securely to your device.`);
   };
 
   return (

src/modules/services/screens/ChequeBookRequestScreen.tsx

@@ -20,7 +20,7 @@ export default function ChequeBookRequestScreen({ navigation }: Props) {
     setIsLoading(true);
     setTimeout(() => {
       setIsLoading(false);
-      toast('Request Submitted', 'success', 'Your cheque book will be delivered in 3-5 days.');
+      toast('Request submitted', 'success', 'Your cheque book will arrive in 3 to 5 days.');
       navigation.goBack();
     }, 1500);
   };

src/modules/services/screens/Form15G15HScreen.tsx

@@ -18,13 +18,13 @@ export default function Form15G15HScreen({ navigation }: Props) {
 
   const handleSubmit = () => {
     if (!panNumber || !estimatedIncome) {
-      toast('Validation Failed', 'error', 'PAN and estimated income are required.');
+      toast('Some details are missing', 'error', 'Please enter your PAN and estimated income to continue.');
       return;
     }
     setIsLoading(true);
     setTimeout(() => {
       setIsLoading(false);
-      toast('Form Submitted successfully', 'success', `Your Form ${formType} has been recorded for the current FY.`);
+      toast('Form submitted', 'success', `Your Form ${formType} has been recorded for the current financial year.`);
       navigation.goBack();
     }, 1500);
   };
@@ -78,7 +78,7 @@ export default function Form15G15HScreen({ navigation }: Props) {
               <Text style={{ fontWeight: '700', color: theme.colors.textPrimary }}>Form 15G - FY 24-25</Text>
               <Text style={{ fontSize: 12, color: theme.colors.textSecondary }}>Submitted April 2025</Text>
             </View>
-            <Button title="Download" variant="ghost" onPress={() => toast('Downloading...', 'info')} />
+            <Button title="Download" variant="ghost" onPress={() => toast('Download started', 'info', 'Your form is being prepared for download.')} />
           </Card>
       </View>
     </ScreenShell>

src/modules/services/screens/PositivePayScreen.tsx

@@ -20,13 +20,13 @@ export default function PositivePayScreen({ navigation }: Props) {
 
   const handleSubmit = () => {
     if (!chequeNumber || !amount || !payee) {
-      toast('Incomplete Form', 'error', 'Please fill all required details.');
+      toast('Some details are missing', 'error', 'Please fill in all the required details to continue.');
       return;
     }
     setIsLoading(true);
     setTimeout(() => {
       setIsLoading(false);
-      toast('Verification Submitted', 'success', `Details for Cheque #${chequeNumber} saved securely.`);
+      toast('Cheque details submitted', 'success', `Your details for cheque #${chequeNumber} have been saved securely.`);
       navigation.goBack();
     }, 1500);
   };

src/modules/services/screens/ServicesHubScreen.tsx

@@ -80,9 +80,9 @@ export default function ServicesHubScreen({ navigation }: Props) {
         iconColor: '#0EA5E9',
         onPress: () =>
           toast(
-            'Support chat screen pending',
+            'Support chat coming soon',
             'info',
-            'This feature is coming in the next update.',
+            'This feature will be available in the next update.',
           ),
       },
       {
@@ -91,7 +91,7 @@ export default function ServicesHubScreen({ navigation }: Props) {
         icon: 'help-circle-outline',
         iconColor: '#8B5CF6',
         onPress: () =>
-          toast('Help center pending', 'info', 'Coming soon.'),
+          toast('Help center coming soon', 'info', 'This feature will be available shortly.'),
       },
       {
         id: 'cyber_security',

src/modules/services/screens/SpecialInstructionsScreen.tsx

@@ -17,13 +17,13 @@ export default function SpecialInstructionsScreen({ navigation }: Props) {
 
   const handleSubmit = () => {
     if (!title || !description) {
-      toast('Empty fields', 'error', 'Title and description are required.');
+      toast('Some details are missing', 'error', 'Please add a title and description before you continue.');
       return;
     }
     setIsLoading(true);
     setTimeout(() => {
       setIsLoading(false);
-      toast('Request Logged', 'success', 'Your special instruction has been submitted to the branch.');
+      toast('Request submitted', 'success', 'Your special instruction has been sent to your branch.');
       navigation.goBack();
     }, 1500);
   };

src/modules/services/screens/StopPaymentScreen.tsx

@@ -24,7 +24,7 @@ export default function StopPaymentScreen({ navigation }: Props) {
     setIsLoading(true);
     setTimeout(() => {
       setIsLoading(false);
-      toast('Payment Stopped', 'success', `Cheque #${chequeNumber} has been blocked.`);
+      toast('Payment stopped', 'success', `We've stopped payment on cheque #${chequeNumber}.`);
       navigation.goBack();
     }, 1500);
   };

src/navigation/HomeNavigator.tsx

@@ -1,6 +1,8 @@
 import React from 'react';
 import { createNativeStackNavigator } from '@react-navigation/native-stack';
 import HomeScreen from '../modules/home/screens/HomeScreen';
+import GlobalSearchScreen from '../modules/search/screens/GlobalSearchScreen';
+import NotificationsScreen from '../modules/notifications/screens/NotificationsScreen';
 import MiniStatementScreen from '../modules/home/screens/MiniStatementScreen';
 import AccountDetailsScreen from '../modules/home/screens/AccountDetailsScreen';
 import ReKycScreen from '../modules/home/screens/ReKycScreen';
@@ -14,6 +16,8 @@ export const HomeNavigator = () => {
   return (
     <Stack.Navigator screenOptions={{ headerShown: false }}>
       <Stack.Screen name="HomeMain" component={HomeScreen} />
+      <Stack.Screen name="GlobalSearch" component={GlobalSearchScreen} />
+      <Stack.Screen name="Notifications" component={NotificationsScreen} />
       <Stack.Screen name="MiniStatement" component={MiniStatementScreen} />
       <Stack.Screen name="AccountDetails" component={AccountDetailsScreen} />
       <Stack.Screen name="ReKyc" component={ReKycScreen} />

src/navigation/RootNavigator.tsx

@@ -20,8 +20,6 @@ export const RootNavigator = () => {
 
   const renderAppStack = () => {
     switch (role) {
-      case 'Employee':
-        return <EmployeeNavigator />;
       case 'Agent':
         return <AgentNavigator />;
       case 'User':

src/navigation/types.ts

@@ -22,6 +22,8 @@ export type LoanStackParamList = {
 
 export type HomeStackParamList = {
   HomeMain: undefined;
+  GlobalSearch: undefined;
+  Notifications: undefined;
   MiniStatement: { accountId: string };
   AccountDetails: { accountId: string };
   ReKyc: { accountId: string };

src/services/notifications/pushNotifications.ts

@@ -1,9 +1,130 @@
-import { PermissionsAndroid, Platform } from 'react-native';
+import notifee, {
+  AndroidImportance,
+  AuthorizationStatus,
+  TriggerType,
+  type TimestampTrigger,
+} from '@notifee/react-native';
 
-export const registerForPushNotifications = async () => {
+import type { NotificationCategory } from '../../types/app';
-  if (Platform.OS === 'android' && Platform.Version >= 33) {
-    return PermissionsAndroid.request(PermissionsAndroid.PERMISSIONS.POST_NOTIFICATIONS);
-  }
 
-  return 'granted';
+const CHANNEL_ID = 'bankcbs-general';
+
+export type DummyNotificationContent = {
+  category: NotificationCategory;
+  title: string;
+  body: string;
+};
+
+const DUMMY_POOL: DummyNotificationContent[] = [
+  {
+    category: 'transaction',
+    title: 'Money received',
+    body: '₹4,200 was credited to your Savings account from Rohan Mehta.',
+  },
+  {
+    category: 'transaction',
+    title: 'Payment successful',
+    body: 'Your payment of ₹1,150 for a mobile recharge went through.',
+  },
+  {
+    category: 'security',
+    title: 'New sign-in detected',
+    body: 'A new sign-in was detected on your account. Tap to review.',
+  },
+  {
+    category: 'offer',
+    title: 'Reward unlocked',
+    body: 'You just earned 250 reward points on your last card spend.',
+  },
+  {
+    category: 'reminder',
+    title: 'Bill reminder',
+    body: 'Your electricity bill of ₹2,340 is due in 3 days.',
+  },
+];
+
+const DEFAULT_CONTENT: DummyNotificationContent = DUMMY_POOL[0] ?? {
+  category: 'system',
+  title: 'New notification',
+  body: 'You have a new update.',
+};
+
+export const getDummyNotificationContent = (): DummyNotificationContent => {
+  const index = Math.floor(Math.random() * DUMMY_POOL.length);
+  return DUMMY_POOL[index] ?? DEFAULT_CONTENT;
+};
+
+let channelReady = false;
+
+const ensureChannel = async () => {
+  if (!channelReady) {
+    await notifee.createChannel({
+      id: CHANNEL_ID,
+      name: 'General alerts',
+      importance: AndroidImportance.HIGH,
+    });
+    channelReady = true;
+  }
+  return CHANNEL_ID;
+};
+
+/** Request OS notification permission and make sure the Android channel exists. */
+export const registerForPushNotifications = async () => {
+  const settings = await notifee.requestPermission();
+  await ensureChannel();
+
+  const granted =
+    settings.authorizationStatus === AuthorizationStatus.AUTHORIZED ||
+    settings.authorizationStatus === AuthorizationStatus.PROVISIONAL;
+
+  return granted ? 'granted' : 'denied';
+};
+
+/**
+ * Show a notification immediately. While the app is in the foreground this
+ * appears as a heads-up popup (HIGH importance channel); it also lands in the
+ * system tray.
+ */
+export const displayLocalNotification = async (content: DummyNotificationContent) => {
+  const channelId = await ensureChannel();
+  await notifee.displayNotification({
+    title: content.title,
+    body: content.body,
+    android: {
+      channelId,
+      smallIcon: 'ic_launcher',
+      importance: AndroidImportance.HIGH,
+      pressAction: { id: 'default' },
+    },
+  });
+};
+
+/**
+ * Schedule a notification to fire after `seconds`. This is how we demo a
+ * background notification: trigger it, then minimise the app and it arrives in
+ * the system tray even though the app is no longer in the foreground.
+ */
+export const scheduleLocalNotification = async (
+  content: DummyNotificationContent,
+  seconds = 5,
+) => {
+  const channelId = await ensureChannel();
+  const trigger: TimestampTrigger = {
+    type: TriggerType.TIMESTAMP,
+    timestamp: Date.now() + seconds * 1000,
+  };
+
+  await notifee.createTriggerNotification(
+    {
+      title: content.title,
+      body: content.body,
+      android: {
+        channelId,
+        smallIcon: 'ic_launcher',
+        importance: AndroidImportance.HIGH,
+        pressAction: { id: 'default' },
+      },
+    },
+    trigger,
+  );
 };

src/types/app.ts

@@ -27,7 +27,7 @@ export type CardDeliveryStage =
   | 'ready-for-pickup'
   | 'delivered';
 
-export type LoginRole = 'User' | 'Employee' | 'Agent';
+export type LoginRole = 'User' | 'Agent';
 
 export interface AuthTokens {
   accessToken: string;
@@ -57,6 +57,23 @@ export interface UserProfile {
   notifications: NotificationPreference;
 }
 
+export type NotificationCategory =
+  | 'transaction'
+  | 'security'
+  | 'offer'
+  | 'reminder'
+  | 'system';
+
+export interface AppNotification {
+  id: string;
+  category: NotificationCategory;
+  title: string;
+  body: string;
+  /** ISO timestamp of when the notification was raised. */
+  createdAt: string;
+  read: boolean;
+}
+
 export interface AccountSummary {
   id: string;
   type: AccountType;