feat: implement maker-checker workflow for user creation and update requests

# Conflicts:
#	fineract-provider/src/main/java/org/apache/fineract/portfolio/mobilelookup/service/MobileLookupServiceImpl.java

fineract-core/src/main/java/org/apache/fineract/accounting/common/AccountingConstants.java

@@ -436,7 +436,9 @@ public final class AccountingConstants {
         CASH_AT_TELLER(102, "cashAtTeller", GLAccountType.ASSET), //
         OPENING_BALANCES_TRANSFER_CONTRA(300, "openingBalancesTransferContra", GLAccountType.EQUITY), //
         ASSET_FUND_SOURCE(103, "fundSource", GLAccountType.ASSET), //
-        PAYABLE_DIVIDENDS(201, "payableDividends", GLAccountType.LIABILITY); //
+        PAYABLE_DIVIDENDS(201, "payableDividends", GLAccountType.LIABILITY), //
+        RESERVE_FOR_DIVIDEND(301, "reserveForDividend", GLAccountType.EQUITY), //
+        DIVIDEND_FORFEITED_INCOME(400, "dividendForfeitedIncome", GLAccountType.INCOME); //
 
         private final Integer value;
         private final String code;

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandSourceService.java

@@ -137,7 +137,7 @@ public class CommandSourceService {
         String permission = commandSource.getPermissionCode();
         boolean isMakerChecker = configurationDomainService.isMakerCheckerEnabledForTask(permission);
         if (isMakerChecker || result.isRollbackTransaction()) {
-            if (isApprovedByChecker || user.isCheckerSuperUser()) {
+            if (isApprovedByChecker || isSuperUserBypassAllowed(commandSource, user)) {
                 commandSource.markAsChecked(user);
             } else {
                 if (commandSource.isSanitized()) {
@@ -151,6 +151,25 @@ public class CommandSourceService {
         return result;
     }
 
+    private boolean isSuperUserBypassAllowed(CommandSource commandSource, AppUser user) {
+        if (!user.isCheckerSuperUser()) {
+            return false;
+        }
+        if ("GLACCOUNT".equalsIgnoreCase(commandSource.getEntityName())
+                || "CBSBASEINTERESTRATE".equalsIgnoreCase(commandSource.getEntityName())
+                || "CHARGE".equalsIgnoreCase(commandSource.getEntityName())
+                || "LOANPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "SAVINGSPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "CURRENTPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "SHAREPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "FIXEDDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "USER".equalsIgnoreCase(commandSource.getEntityName())
+                || "ROLE".equalsIgnoreCase(commandSource.getEntityName())) {
+            return false;
+        }
+        return true;
+    }
+
     private void sanitizeJson(@NonNull CommandSource commandSource, Set<String> sanitizeKeys) {
         if (sanitizeKeys == null || sanitizeKeys.isEmpty()) {
             return;

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandWrapperBuilder.java

@@ -2211,6 +2211,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createCbsBaseInterestRate() {
+        this.actionName = "CREATE";
+        this.entityName = "CBSBASEINTERESTRATE";
+        this.entityId = null;
+        this.href = "/fixeddepositproducts/baseinterestrates";
+        return this;
+    }
+
     public CommandWrapperBuilder updateFixedDepositProduct(final Long productId) {
         this.actionName = "UPDATE";
         this.entityName = "FIXEDDEPOSITPRODUCT";

fineract-core/src/main/java/org/apache/fineract/infrastructure/configuration/domain/ConfigurationDomainService.java

@@ -26,6 +26,8 @@ public interface ConfigurationDomainService {
 
     boolean isMakerCheckerEnabledForTask(String taskPermissionCode);
 
+    boolean isMakerCheckerEnabled();
+
     /**
      * Global kill-switch for MFA-factor-backed login enforcement. When true, users with at least
      * one verified, non-disabled row in {@code m_user_mfa_factor} must complete a 2FA challenge

fineract-core/src/main/java/org/apache/fineract/infrastructure/jobs/service/JobName.java

@@ -38,6 +38,7 @@ public enum JobName {
     GENERATE_RD_SCEHDULE("Generate Mandatory Savings Schedule"), //
     GENERATE_LOANLOSS_PROVISIONING("Generate Loan Loss Provisioning"), //
     POST_DIVIDENTS_FOR_SHARES("Post Dividends For Shares"), //
+    FORFEIT_UNCLAIMED_DIVIDENDS("Forfeit Unclaimed Dividends"), //
     UPDATE_SAVINGS_DORMANT_ACCOUNTS("Update Savings Dormant Accounts"), //
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_LOANS_WITH_INCOME_POSTED_AS_TRANSACTIONS(
             "Add Accrual Transactions For Loans With Income Posted As Transactions"), //

fineract-core/src/main/java/org/apache/fineract/portfolio/client/api/ClientApiConstants.java

@@ -191,6 +191,7 @@ public class ClientApiConstants {
     public static final String constitutionIdParamName = "constitutionId";
     public static final String mainBusinessLineIdParamName = "mainBusinessLineId";
     public static final String authorizedSignatoryParamName = "authorizedSignatory";
+    public static final String authorizedSignatoryClientIdsParamName = "authorizedSignatoryClientIds";
     public static final String additionalInfoParamName = "additionalInfo";
     public static final String dateOfRegistrationParamName = "dateOfRegistration";
 

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientData.java

@@ -105,6 +105,19 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
     private Boolean alternateDipVerified;
     private Long alternateDipLookupLogId;
     private String alternateDipTimestamp;
+    /**
+     * Live DIP/MNRL status of the number, resolved from the latest lookup rather than the flag
+     * captured at onboarding. A customer cleared at onboarding whose number is later reported or
+     * reassigned would otherwise keep showing "Verified" forever.
+     */
+    private String dipLiveStatus;
+    private String alternateDipLiveStatus;
+    /**
+     * Disposition of the client's most recent flagged sanctions alert, or null when they carry
+     * none. Like the DIP status this is resolved live: nameVerified is captured at onboarding and
+     * would keep reading "Clear" after the client was added to a later list snapshot.
+     */
+    private String sanctionsAlertStatus;
     private Boolean nameVerified;
     private Long screeningLogId;
     private Boolean isStaff;
@@ -436,6 +449,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;
@@ -498,6 +516,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;
@@ -550,6 +573,11 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.alternateDipVerified = clientData.alternateDipVerified;
         data.alternateDipLookupLogId = clientData.alternateDipLookupLogId;
         data.alternateDipTimestamp = clientData.alternateDipTimestamp;
+        // Carried across too: these helpers rebuild ClientData field by field, so a field missing
+        // here is silently dropped from the payload the client view loads.
+        data.dipLiveStatus = clientData.dipLiveStatus;
+        data.alternateDipLiveStatus = clientData.alternateDipLiveStatus;
+        data.sanctionsAlertStatus = clientData.sanctionsAlertStatus;
         data.nameVerified = clientData.nameVerified;
         data.screeningLogId = clientData.screeningLogId;
         return data;

fineract-core/src/main/java/org/apache/fineract/portfolio/client/data/ClientNonPersonData.java

@@ -34,6 +34,8 @@ public class ClientNonPersonData implements Serializable {
     private final CodeValueData mainBusinessLine;
     private final String remarks;
     private final String authorizedSignatory;
+    /** Client ids behind {@link #authorizedSignatory}, comma separated and in the same order. */
+    private final String authorizedSignatoryClientIds;
     private final String additionalInfo;
     private final LocalDate dateOfRegistration;
 
@@ -62,13 +64,24 @@ public class ClientNonPersonData implements Serializable {
         this.constitution = null;
         this.mainBusinessLine = null;
         this.authorizedSignatory = null;
+        this.authorizedSignatoryClientIds = null;
         this.additionalInfo = null;
         this.dateOfRegistration = null;
     }
 
+    /**
+     * Kept for the list/search mappers, whose SQL does not select the signatory client ids.
+     */
     public ClientNonPersonData(CodeValueData constitution, String incorpNo, LocalDate incorpValidityTillDate,
             CodeValueData mainBusinessLine, String remarks, String authorizedSignatory, String additionalInfo,
             LocalDate dateOfRegistration) {
+        this(constitution, incorpNo, incorpValidityTillDate, mainBusinessLine, remarks, authorizedSignatory, additionalInfo,
+                dateOfRegistration, null);
+    }
+
+    public ClientNonPersonData(CodeValueData constitution, String incorpNo, LocalDate incorpValidityTillDate,
+            CodeValueData mainBusinessLine, String remarks, String authorizedSignatory, String additionalInfo,
+            LocalDate dateOfRegistration, String authorizedSignatoryClientIds) {
 
         this.constitution = constitution;
         this.incorpNumber = incorpNo;
@@ -76,6 +89,7 @@ public class ClientNonPersonData implements Serializable {
         this.mainBusinessLine = mainBusinessLine;
         this.remarks = remarks;
         this.authorizedSignatory = authorizedSignatory;
+        this.authorizedSignatoryClientIds = authorizedSignatoryClientIds;
         this.additionalInfo = additionalInfo;
         this.dateOfRegistration = dateOfRegistration;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/Client.java

@@ -294,6 +294,17 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "alternate_dip_timestamp")
     private String alternateDipTimestamp;
 
+    /**
+     * The DIP/MNRL status the number actually returned — CLEAN, SUSPECTED, DISCONNECTED or
+     * SERVICE_UNAVAILABLE. dipVerified alone cannot tell "checked and clean" apart from "the DoT
+     * service was down", which previously stored both as verified.
+     */
+    @Column(name = "dip_status", length = 40)
+    private String dipStatus;
+
+    @Column(name = "alternate_dip_status", length = 40)
+    private String alternateDipStatus;
+
     @Column(name = "name_verified")
     private Boolean nameVerified;
 

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKyc.java

@@ -25,11 +25,15 @@ import jakarta.persistence.Entity;
 import jakarta.persistence.JoinColumn;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
+import jakarta.persistence.Transient;
 import jakarta.persistence.UniqueConstraint;
 import java.time.LocalDate;
 import java.math.BigDecimal;
+import java.util.Collections;
 import java.util.LinkedHashMap;
+import java.util.LinkedHashSet;
 import java.util.Map;
+import java.util.Set;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
@@ -61,6 +65,14 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @JoinColumn(name = "client_id", nullable = false)
     private Client client;
 
+    /**
+     * Scratch record of what the in-flight {@link #update} replaced, read back via
+     * {@link #getFieldsOverwrittenByLastUpdate()}. Never persisted and never read outside the
+     * transaction that called update(), which clears it first.
+     */
+    @Transient
+    private final transient Set<String> fieldsOverwrittenByLastUpdate = new LinkedHashSet<>();
+
     /** 100 = PENDING, 200 = IN_PROGRESS, 300 = VERIFIED, 400 = REJECTED, 500 = EXPIRED */
     @Column(name = "kyc_status", nullable = false)
     private Integer kycStatus;
@@ -440,11 +452,13 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
 
     public Map<String, Object> update(final JsonCommand command) {
         final Map<String, Object> actualChanges = new LinkedHashMap<>();
+        this.fieldsOverwrittenByLastUpdate.clear();
 
         final String panNumberParam = "panNumber";
         if (command.isChangeInStringParameterNamed(panNumberParam, this.panNumber)) {
             final String newValue = command.stringValueOfParameterNamed(panNumberParam);
             actualChanges.put(panNumberParam, newValue);
+            recordOverwrite(panNumberParam, this.panNumber);
             this.panNumber = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -452,6 +466,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(aadhaarParam, this.aadhaarNumberMasked)) {
             final String newValue = command.stringValueOfParameterNamed(aadhaarParam);
             actualChanges.put(aadhaarParam, newValue);
+            recordOverwrite(aadhaarParam, this.aadhaarNumberMasked);
             this.aadhaarNumberMasked = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -459,6 +474,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(gstinParam, this.gstinNumber)) {
             final String newValue = command.stringValueOfParameterNamed(gstinParam);
             actualChanges.put(gstinParam, newValue);
+            recordOverwrite(gstinParam, this.gstinNumber);
             this.gstinNumber = StringUtils.defaultIfEmpty(newValue, null);
         }
 
@@ -466,9 +482,12 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInIntegerParameterNamed(riskParam, this.riskCategory)) {
             final Integer newValue = command.integerValueOfParameterNamed(riskParam);
             actualChanges.put(riskParam, newValue);
+            recordOverwrite(riskParam, this.riskCategory);
             this.riskCategory = newValue;
         }
 
+        // remarks is the audit justification itself, so a change to it is deliberately not recorded
+        // as an overwrite — requiring remarks in order to write remarks would be circular.
         final String remarksParam = "remarks";
         if (command.isChangeInStringParameterNamed(remarksParam, this.remarks)) {
             final String newValue = command.stringValueOfParameterNamed(remarksParam);
@@ -551,6 +570,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInStringParameterNamed(param, current)) {
             final String newValue = command.stringValueOfParameterNamed(param);
             changes.put(param, newValue);
+            recordOverwrite(param, current);
             setter.accept(StringUtils.defaultIfEmpty(newValue, null));
         }
     }
@@ -560,6 +580,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInLocalDateParameterNamed(param, current)) {
             final LocalDate newValue = command.localDateValueOfParameterNamed(param);
             changes.put(param, newValue);
+            recordOverwrite(param, current);
             setter.accept(newValue);
         }
     }
@@ -570,6 +591,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
             final Boolean newValue = command.booleanObjectValueOfParameterNamed(param);
             if ((newValue == null && current != null) || (newValue != null && !newValue.equals(current))) {
                 changes.put(param, newValue);
+                recordOverwrite(param, current);
                 setter.accept(newValue);
             }
         }
@@ -580,10 +602,40 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         if (command.isChangeInBigDecimalParameterNamed(param, current)) {
             final BigDecimal newValue = command.bigDecimalValueOfParameterNamed(param);
             changes.put(param, newValue);
+            recordOverwrite(param, current);
             setter.accept(newValue);
         }
     }
 
+    /**
+     * Notes that {@code param} replaced a value the record already held. A field going from empty to
+     * populated is the record being completed rather than altered, so it is deliberately not
+     * recorded — see {@link #getFieldsOverwrittenByLastUpdate()}.
+     */
+    private void recordOverwrite(final String param, final Object currentValue) {
+        final boolean wasPopulated = currentValue instanceof String text
+                ? StringUtils.isNotBlank(text)
+                : currentValue != null;
+        if (wasPopulated) {
+            this.fieldsOverwrittenByLastUpdate.add(param);
+        }
+    }
+
+    /**
+     * Parameters whose already-populated value the most recent {@link #update} replaced.
+     *
+     * <p>Distinguishes altering a record from finishing one: a non-individual KYC auto-verifies as
+     * soon as PAN and GSTIN pass, which happens part-way through the create wizard, and the officer
+     * still has to save the KYC document details afterwards. Those fields are empty at that point,
+     * so filling them in leaves this set empty and no audit justification is demanded — while
+     * changing a document number that was already on the verified record does populate it.
+     *
+     * <p>Reset at the start of every {@link #update} and never persisted: it describes one call.
+     */
+    public Set<String> getFieldsOverwrittenByLastUpdate() {
+        return Collections.unmodifiableSet(this.fieldsOverwrittenByLastUpdate);
+    }
+
     /** Called when documents are submitted and 3rd-party verification is initiated. */
     public void markInProgress() {
         this.kycStatus = ClientKycStatus.IN_PROGRESS.getValue();

fineract-core/src/main/java/org/apache/fineract/portfolio/mobilelookup/domain/MobileLookupLog.java

@@ -65,6 +65,29 @@ public class MobileLookupLog extends AbstractAuditableWithUTCDateTimeCustom<Long
     @Column(name = "looked_up_on", nullable = false)
     private OffsetDateTime lookedUpOn;
 
+    // ── Officer decision on a non-clean result ────────────────────────────────
+    // A DIP hit is a fraud-risk signal rather than a legal bar, so onboarding may continue — but
+    // the officer has to say why in writing, and that reasoning is kept with the lookup.
+
+    /** PROCEEDED | REJECTED. Null while no decision is required or none has been taken. */
+    @Column(name = "override_decision", length = 20)
+    private String overrideDecision;
+
+    @Column(name = "override_reason")
+    private String overrideReason;
+
+    @Column(name = "decided_by")
+    private Long decidedBy;
+
+    @Column(name = "decided_on")
+    private OffsetDateTime decidedOn;
+
+    public static final String STATUS_CLEAN = "CLEAN";
+    public static final String STATUS_ERROR = "ERROR";
+    public static final String STATUS_SERVICE_UNAVAILABLE = "SERVICE_UNAVAILABLE";
+    public static final String DECISION_PROCEEDED = "PROCEEDED";
+    public static final String DECISION_REJECTED = "REJECTED";
+
     protected MobileLookupLog() {}
 
     public MobileLookupLog(final String mobileNumber, final String lookupStatus,
@@ -81,4 +104,27 @@ public class MobileLookupLog extends AbstractAuditableWithUTCDateTimeCustom<Long
         this.clientId = clientId;
         this.lookedUpOn = DateUtils.getOffsetDateTimeOfTenant();
     }
+
+    public void recordDecision(final String decision, final String reason, final Long userId) {
+        this.overrideDecision = decision;
+        this.overrideReason = reason;
+        this.decidedBy = userId;
+        this.decidedOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /** True when the lookup produced something the officer must consciously decide about. */
+    public boolean requiresDecision() {
+        return this.suspected || this.disconnected;
+    }
+
+    /**
+     * A number may be used only when it came back clean, or when an officer explicitly chose to
+     * proceed. An unreachable DoT service is NOT a pass — it means nothing was checked.
+     */
+    public boolean isUsable() {
+        if (STATUS_CLEAN.equals(this.lookupStatus)) {
+            return true;
+        }
+        return DECISION_PROCEEDED.equals(this.overrideDecision);
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/mobilelookup/domain/MobileLookupLogRepository.java

@@ -19,6 +19,8 @@
 package org.apache.fineract.portfolio.mobilelookup.domain;
 
 import java.util.List;
+import org.springframework.data.domain.PageRequest;
+import org.springframework.data.domain.Pageable;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.Query;
 import org.springframework.data.repository.query.Param;
@@ -35,4 +37,29 @@ public interface MobileLookupLogRepository extends JpaRepository<MobileLookupLog
 
     @Query("SELECT l FROM MobileLookupLog l WHERE l.lookupStatus = :status ORDER BY l.lookedUpOn DESC")
     List<MobileLookupLog> findByLookupStatus(@Param("status") String status);
+
+    /** Non-clean lookups still waiting for an officer's decision — the DIP review queue. */
+    @Query("SELECT l FROM MobileLookupLog l WHERE (l.suspected = true OR l.disconnected = true) "
+            + "AND l.overrideDecision IS NULL ORDER BY l.lookedUpOn DESC")
+    List<MobileLookupLog> findPendingDecisions();
+
+    /**
+     * Most recent lookup for a number, used by the server-side gate to confirm the browser's
+     * claim that a number was verified.
+     *
+     * <p>
+     * Paged rather than a JPQL {@code LIMIT}, which EclipseLink does not accept — the caller
+     * takes the first row.
+     * </p>
+     */
+    @Query("SELECT l FROM MobileLookupLog l WHERE l.mobileNumber = :mobileNumber ORDER BY l.lookedUpOn DESC")
+    List<MobileLookupLog> findLatestByMobileNumber(@Param("mobileNumber") String mobileNumber, Pageable pageable);
+
+    /**
+     * Earlier rejections of the same number, on any client. A number turned away once is a
+     * standing signal: without this the next officer screens it fresh and sees no history.
+     */
+    @Query("SELECT l FROM MobileLookupLog l WHERE l.mobileNumber = :mobileNumber "
+            + "AND l.overrideDecision = 'REJECTED' ORDER BY l.decidedOn DESC")
+    List<MobileLookupLog> findRejections(@Param("mobileNumber") String mobileNumber, Pageable pageable);
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/sanctions/domain/SanctionsScreeningLog.java

@@ -61,6 +61,65 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
     @Column(name = "screened_on", nullable = false)
     private OffsetDateTime screenedOn;
 
+    // ── Alert disposition ─────────────────────────────────────────────────────
+    // A FLAGGED screening opens a case. It stays PENDING_REVIEW until an officer either
+    // documents it as a different person (FALSE_POSITIVE, effective only once the Principal
+    // Officer approves) or confirms it (CONFIRMED_MATCH, which freezes and gets reported).
+
+    @Column(name = "disposition", length = 30)
+    private String disposition;
+
+    @Column(name = "disposition_reason")
+    private String dispositionReason;
+
+    @Column(name = "reviewed_by")
+    private Long reviewedBy;
+
+    @Column(name = "reviewed_on")
+    private OffsetDateTime reviewedOn;
+
+    @Column(name = "approved_by")
+    private Long approvedBy;
+
+    @Column(name = "approved_on")
+    private OffsetDateTime approvedOn;
+
+    @Column(name = "fiu_str_reference", length = 100)
+    private String fiuStrReference;
+
+    @Column(name = "nodal_officer_informed_on")
+    private OffsetDateTime nodalOfficerInformedOn;
+
+    @Column(name = "frozen_account_ids", length = 1000)
+    private String frozenAccountIds;
+
+    @Column(name = "frozen_on")
+    private OffsetDateTime frozenOn;
+
+    // ── STR tracking ──────────────────────────────────────────────────────────
+    // A confirmed match is reportable to FIU-IND. Tracked here rather than as an AML alert: an
+    // AML alert is built around a monetary transaction, whereas this is triggered by who the
+    // customer is, so the two are surfaced as separate streams on the FIU screen.
+
+    /** NULL until approval; then PENDING_FILING → FILED. */
+    @Column(name = "str_status", length = 30)
+    private String strStatus;
+
+    @Column(name = "str_due_date")
+    private java.time.LocalDate strDueDate;
+
+    @Column(name = "str_raised_on")
+    private OffsetDateTime strRaisedOn;
+
+    public static final String STR_PENDING_FILING = "PENDING_FILING";
+    public static final String STR_FILED = "FILED";
+
+    public static final String RESULT_FLAGGED = "FLAGGED";
+    public static final String RESULT_CLEAR = "CLEAR";
+    public static final String DISPOSITION_PENDING = "PENDING_REVIEW";
+    public static final String DISPOSITION_FALSE_POSITIVE = "FALSE_POSITIVE";
+    public static final String DISPOSITION_CONFIRMED = "CONFIRMED_MATCH";
+
     protected SanctionsScreeningLog() {}
 
     public SanctionsScreeningLog(final String screenedName, final String screeningResult,
@@ -75,8 +134,75 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
         this.clientId = clientId;
         this.ipAddress = ipAddress;
         this.screenedOn = DateUtils.getOffsetDateTimeOfTenant();
+        // A hit opens a case; a clear screening has no case to close.
+        this.disposition = RESULT_FLAGGED.equals(screeningResult) ? DISPOSITION_PENDING : null;
     }
 
+    // ── Alert lifecycle ───────────────────────────────────────────────────────
+
+    /**
+     * Records the officer's assessment of the hit. Deliberately does NOT clear the block: a
+     * false positive only takes effect once {@link #approve(Long)} is called by the Principal
+     * Officer, so the person who raised it cannot wave their own match through.
+     */
+    public void recordDisposition(final String newDisposition, final String reason, final Long userId) {
+        this.disposition = newDisposition;
+        this.dispositionReason = reason;
+        this.reviewedBy = userId;
+        this.reviewedOn = DateUtils.getOffsetDateTimeOfTenant();
+        // Re-opening a previously approved alert must drop the old approval with it.
+        this.approvedBy = null;
+        this.approvedOn = null;
+    }
+
+    public void approve(final Long approverId) {
+        this.approvedBy = approverId;
+        this.approvedOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /** Records the FIU-IND STR reference and the date the nodal officer was informed. */
+    public void recordReporting(final String strReference, final OffsetDateTime nodalOfficerInformedOn) {
+        if (strReference != null) {
+            this.fiuStrReference = strReference;
+            // Recording the FIU-IND acknowledgement is what closes the filing obligation, so the
+            // case stops appearing as outstanding on the FIU screen.
+            if (!strReference.isBlank()) {
+                this.strStatus = STR_FILED;
+            }
+        }
+        if (nodalOfficerInformedOn != null) {
+            this.nodalOfficerInformedOn = nodalOfficerInformedOn;
+        }
+    }
+
+    public void recordFreeze(final String accountIds) {
+        this.frozenAccountIds = accountIds;
+        this.frozenOn = DateUtils.getOffsetDateTimeOfTenant();
+    }
+
+    /**
+     * Opens the STR obligation on approval of a confirmed match. PMLA allows seven working days
+     * from forming the suspicion; seven calendar days is the stricter reading.
+     */
+    public void raiseStr() {
+        if (this.strStatus != null) {
+            return;
+        }
+        this.strStatus = STR_PENDING_FILING;
+        this.strRaisedOn = DateUtils.getOffsetDateTimeOfTenant();
+        this.strDueDate = DateUtils.getBusinessLocalDate().plusDays(7);
+    }
+
+    public boolean isStrPending() { return STR_PENDING_FILING.equals(this.strStatus); }
+
+    public boolean isFlagged() { return RESULT_FLAGGED.equals(this.screeningResult); }
+
+    public boolean isApprovedFalsePositive() {
+        return DISPOSITION_FALSE_POSITIVE.equals(this.disposition) && this.approvedBy != null;
+    }
+
+    public boolean isConfirmedMatch() { return DISPOSITION_CONFIRMED.equals(this.disposition); }
+
     // ── Accessors ─────────────────────────────────────────────────────────────
 
     public String getScreenedName() { return screenedName; }
@@ -89,4 +215,17 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
     public void setClientId(Long clientId) { this.clientId = clientId; }
     public String getIpAddress() { return ipAddress; }
     public OffsetDateTime getScreenedOn() { return screenedOn; }
+    public String getDisposition() { return disposition; }
+    public String getDispositionReason() { return dispositionReason; }
+    public Long getReviewedBy() { return reviewedBy; }
+    public OffsetDateTime getReviewedOn() { return reviewedOn; }
+    public Long getApprovedBy() { return approvedBy; }
+    public OffsetDateTime getApprovedOn() { return approvedOn; }
+    public String getFiuStrReference() { return fiuStrReference; }
+    public OffsetDateTime getNodalOfficerInformedOn() { return nodalOfficerInformedOn; }
+    public String getFrozenAccountIds() { return frozenAccountIds; }
+    public OffsetDateTime getFrozenOn() { return frozenOn; }
+    public String getStrStatus() { return strStatus; }
+    public java.time.LocalDate getStrDueDate() { return strDueDate; }
+    public OffsetDateTime getStrRaisedOn() { return strRaisedOn; }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/sanctions/domain/SanctionsScreeningLogRepository.java

@@ -39,4 +39,32 @@ public interface SanctionsScreeningLogRepository extends JpaRepository<Sanctions
 
     @Query("SELECT l FROM SanctionsScreeningLog l WHERE LOWER(l.screenedName) LIKE LOWER(CONCAT('%', :name, '%')) ORDER BY l.screenedOn DESC")
     List<SanctionsScreeningLog> findByScreenedNameContaining(@Param("name") String name);
+
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.disposition = :disposition ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findByDisposition(@Param("disposition") String disposition);
+
+    /** Every open alert — the Principal Officer's review queue. */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.disposition IS NOT NULL ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findAllAlerts();
+
+    /**
+     * A name is only cleared to onboard once a false positive on that exact name has been
+     * approved by the Principal Officer — the maker's own assessment is not enough.
+     */
+    @Query("SELECT COUNT(l) FROM SanctionsScreeningLog l WHERE LOWER(TRIM(l.screenedName)) = LOWER(TRIM(:name)) "
+            + "AND l.disposition = 'FALSE_POSITIVE' AND l.approvedBy IS NOT NULL")
+    long countApprovedFalsePositives(@Param("name") String name);
+
+    /** Latest alert for a client, used to decide whether their accounts must stay frozen. */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.clientId = :clientId AND l.screeningResult = 'FLAGGED' "
+            + "ORDER BY l.screenedOn DESC")
+    List<SanctionsScreeningLog> findFlaggedByClientId(@Param("clientId") Long clientId);
+
+    /**
+     * Confirmed matches carrying an STR obligation — the sanctions stream on the FIU-IND screen.
+     * Pass null for every STR regardless of whether it has been filed.
+     */
+    @Query("SELECT l FROM SanctionsScreeningLog l WHERE l.strStatus IS NOT NULL "
+            + "AND (:status IS NULL OR l.strStatus = :status) ORDER BY l.strDueDate ASC, l.strRaisedOn DESC")
+    List<SanctionsScreeningLog> findStrCases(@Param("status") String status);
 }

fineract-document/src/main/java/org/apache/fineract/infrastructure/contentstore/policy/MimeContentPolicy.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.infrastructure.contentstore.policy;
 
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.Strings;
@@ -31,6 +32,10 @@ import org.springframework.stereotype.Component;
 @Component
 public class MimeContentPolicy implements ContentPolicy {
 
+    // CSV has no content-level magic bytes, so byte-sniffing a delimited text file legitimately
+    // detects it as text/plain even though it was uploaded (and named) as text/csv.
+    private static final Set<String> INTERCHANGEABLE_TEXT_MIME_TYPES = Set.of("text/csv", "text/plain");
+
     private final ContentDetectorManager contentDetectorManager;
 
     @Override
@@ -39,7 +44,11 @@ public class MimeContentPolicy implements ContentPolicy {
             var result = contentDetectorManager
                     .detect(ContentDetectorContext.builder().inputStream(ctx.getInputStream()).inputStreamEnabled(true).build());
 
-            if (!Strings.CI.equals(result.getMimeType(), ctx.getMimeType())) {
+            boolean matches = Strings.CI.equals(result.getMimeType(), ctx.getMimeType())
+                    || (INTERCHANGEABLE_TEXT_MIME_TYPES.contains(result.getMimeType())
+                            && INTERCHANGEABLE_TEXT_MIME_TYPES.contains(ctx.getMimeType()));
+
+            if (!matches) {
                 throw new ContentPolicyException(String.format("Detected file type (%s), but mime type (%s) was provided. Mismatch!",
                         result.getMimeType(), ctx.getMimeType()));
             }

fineract-provider/src/main/java/org/apache/fineract/accounting/dividendpaidreport/api/DividendPaidReportApiResource.java

@@ -0,0 +1,131 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.dividendpaidreport.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.sql.Date;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * "Total Dividend Paid" report — derived entirely from the existing Dividend Payable GL
+ * account's debit-side journal entries, exactly how real-world CBS/UCB systems report this (a
+ * query over the ledger, not a separate "Dividend Paid" account). Dividend Payable is only ever
+ * debited by an actual member payout (see ShareAccountSchedularServiceImpl.postDividend — via
+ * the native DIVIDEND_PAYOUT savings transaction's accounting), so every debit entry against it
+ * is, by construction, a real dividend payment.
+ */
+@Path("/v1/accounting/dividend-paid-report")
+@Component
+@Tag(name = "Dividend Paid Report", description = "Total share dividend actually paid to members in a date range, derived from the Dividend Payable GL account's ledger.")
+@RequiredArgsConstructor
+public class DividendPaidReportApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().setDateFormat("yyyy-MM-dd'T'HH:mm:ss").create();
+
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
+    private static final int JOURNAL_ENTRY_TYPE_DEBIT = 2;
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String getDividendPaidReport(@QueryParam("fromDate") final String fromDate, @QueryParam("toDate") final String toDate) {
+        if (fromDate == null || fromDate.isBlank() || toDate == null || toDate.isBlank()) {
+            throw apiError(400, "fromDate and toDate (yyyy-MM-dd) are both required");
+        }
+        final Date from;
+        final Date to;
+        try {
+            from = Date.valueOf(fromDate);
+            to = Date.valueOf(toDate);
+        } catch (final IllegalArgumentException e) {
+            throw apiError(400, "fromDate and toDate must be in yyyy-MM-dd format");
+        }
+
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+
+        final JsonObject result = new JsonObject();
+        result.addProperty("fromDate", fromDate);
+        result.addProperty("toDate", toDate);
+        if (payableDividendsAccountId == null) {
+            // Dividend Payable hasn't been mapped under Accounting -> Financial Activity Mappings yet.
+            result.addProperty("totalPaid", BigDecimal.ZERO);
+            result.addProperty("payoutCount", 0);
+            result.add("entries", new JsonArray());
+            result.addProperty("glAccountConfigured", false);
+            return gson.toJson(result);
+        }
+
+        final Map<String, Object> totals = jdbcTemplate.queryForMap("""
+                SELECT COALESCE(SUM(amount), 0) AS total_paid, COUNT(*) AS payout_count
+                FROM acc_gl_journal_entry
+                WHERE account_id = ? AND type_enum = ? AND reversed = false AND entry_date BETWEEN ? AND ?
+                """, payableDividendsAccountId, JOURNAL_ENTRY_TYPE_DEBIT, from, to);
+
+        final List<Map<String, Object>> entryRows = jdbcTemplate.queryForList("""
+                SELECT entry_date, amount, transaction_id
+                FROM acc_gl_journal_entry
+                WHERE account_id = ? AND type_enum = ? AND reversed = false AND entry_date BETWEEN ? AND ?
+                ORDER BY entry_date DESC
+                """, payableDividendsAccountId, JOURNAL_ENTRY_TYPE_DEBIT, from, to);
+
+        result.addProperty("totalPaid", (BigDecimal) totals.get("total_paid"));
+        result.addProperty("payoutCount", ((Number) totals.get("payout_count")).intValue());
+        result.addProperty("glAccountConfigured", true);
+
+        final JsonArray entries = new JsonArray();
+        for (final Map<String, Object> row : entryRows) {
+            final JsonObject entry = new JsonObject();
+            entry.addProperty("entryDate", row.get("entry_date").toString());
+            entry.addProperty("amount", (BigDecimal) row.get("amount"));
+            entry.addProperty("transactionId", (String) row.get("transaction_id"));
+            entries.add(entry);
+        }
+        result.add("entries", entries);
+
+        return gson.toJson(result);
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        final JsonObject errorBody = new JsonObject();
+        errorBody.addProperty("message", message);
+        errorBody.addProperty("defaultUserMessage", message);
+        errorBody.addProperty("httpStatus", httpStatus);
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(errorBody)).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/profitandloss/api/ProfitAndLossApiResource.java

@@ -0,0 +1,98 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.profitandloss.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.sql.Date;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Real Profit & Loss (Net Profit) for a date range, computed live from posted General Ledger
+ * journal entries — not the demo/sample data shown by the GL Reports module. Used by the Share
+ * Dividend "Create Dividend" screen so a bank officer can see actual profit for the dividend
+ * period and set the dividend as a percentage of it, instead of typing a total amount blind.
+ *
+ * Standard double-entry rule: an Income account (classification_enum=4) increases with a CREDIT
+ * and decreases with a DEBIT; an Expense account (classification_enum=5) increases with a DEBIT
+ * and decreases with a CREDIT. Reversed entries are excluded.
+ */
+@Path("/v1/accounting/profitandloss")
+@Component
+@Tag(name = "Profit And Loss", description = "Real net profit for a date range, computed from posted GL journal entries.")
+@RequiredArgsConstructor
+public class ProfitAndLossApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().create();
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String getProfitAndLoss(@QueryParam("fromDate") final String fromDate, @QueryParam("toDate") final String toDate) {
+        if (fromDate == null || fromDate.isBlank() || toDate == null || toDate.isBlank()) {
+            throw apiError(400, "fromDate and toDate (yyyy-MM-dd) are both required");
+        }
+        final Date from;
+        final Date to;
+        try {
+            from = Date.valueOf(fromDate);
+            to = Date.valueOf(toDate);
+        } catch (final IllegalArgumentException e) {
+            throw apiError(400, "fromDate and toDate must be in yyyy-MM-dd format");
+        }
+
+        final Map<String, Object> row = jdbcTemplate.queryForMap("""
+                SELECT
+                    COALESCE(SUM(CASE WHEN a.classification_enum = 4 AND je.type_enum = 1 THEN je.amount
+                                       WHEN a.classification_enum = 4 AND je.type_enum = 2 THEN -je.amount
+                                       ELSE 0 END), 0) AS total_income,
+                    COALESCE(SUM(CASE WHEN a.classification_enum = 5 AND je.type_enum = 2 THEN je.amount
+                                       WHEN a.classification_enum = 5 AND je.type_enum = 1 THEN -je.amount
+                                       ELSE 0 END), 0) AS total_expense
+                FROM acc_gl_journal_entry je
+                JOIN acc_gl_account a ON a.id = je.account_id
+                WHERE je.reversed = false
+                  AND je.entry_date BETWEEN ? AND ?
+                """, from, to);
+
+        final BigDecimal totalIncome = (BigDecimal) row.get("total_income");
+        final BigDecimal totalExpense = (BigDecimal) row.get("total_expense");
+        final BigDecimal netProfit = totalIncome.subtract(totalExpense);
+
+        return gson.toJson(Map.of("fromDate", fromDate, "toDate", toDate, "totalIncome", totalIncome, "totalExpense", totalExpense,
+                "netProfit", netProfit));
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(Map.of("message", message))).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/configuration/domain/ConfigurationDomainServiceJpa.java

@@ -61,6 +61,11 @@ public class ConfigurationDomainServiceJpa implements ConfigurationDomainService
         return false;
     }
 
+    @Override
+    public boolean isMakerCheckerEnabled() {
+        return getGlobalConfigurationPropertyData(GlobalConfigurationConstants.MAKER_CHECKER).isEnabled();
+    }
+
     @Override
     public List<String> getAllowedLoanStatusesForExternalAssetTransfer() {
         final GlobalConfigurationPropertyData property = getGlobalConfigurationPropertyData(

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/api/DatabaseExportApiResource.java

@@ -0,0 +1,114 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.databaseexport.api;
+
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.databaseexport.service.DatabaseExportService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/databaseexport")
+@Component
+@Tag(name = "Database Export", description = "Approval-gated full export of the tenant database.")
+@RequiredArgsConstructor
+public class DatabaseExportApiResource {
+
+    private final DatabaseExportService service;
+    private final FromJsonHelper fromJsonHelper;
+
+    @GET
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List export requests, optionally filtered by status")
+    public List<Map<String, Object>> retrieveAll(@QueryParam("status") @Parameter(description = "status") final String status) {
+        return this.service.retrieveAll(status);
+    }
+
+    @GET
+    @Path("{requestId}")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve a single export request")
+    public Map<String, Object> retrieveOne(@PathParam("requestId") final Long requestId) {
+        return this.service.retrieveOne(requestId);
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Raise a request for a full database export")
+    public Map<String, Object> requestExport(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final JsonElement element = this.fromJsonHelper.parse(apiRequestBodyAsJson);
+        final String reason = this.fromJsonHelper.extractStringNamed("reason", element);
+        final Long id = this.service.requestExport(reason);
+        return Map.of("resourceId", id);
+    }
+
+    @POST
+    @Path("{requestId}/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Approve an export request (admin only, never the requester)")
+    public Map<String, Object> approve(@PathParam("requestId") final Long requestId) {
+        this.service.approve(requestId);
+        return Map.of("resourceId", requestId, "status", "APPROVED");
+    }
+
+    @POST
+    @Path("{requestId}/reject")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reject an export request with a reason")
+    public Map<String, Object> reject(@PathParam("requestId") final Long requestId,
+            @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final JsonElement element = this.fromJsonHelper.parse(apiRequestBodyAsJson);
+        final JsonObject json = element == null ? new JsonObject() : element.getAsJsonObject();
+        final String reason = json.has("rejectionReason") && !json.get("rejectionReason").isJsonNull()
+                ? json.get("rejectionReason").getAsString()
+                : null;
+        this.service.reject(requestId, reason);
+        return Map.of("resourceId", requestId, "status", "REJECTED");
+    }
+
+    @GET
+    @Path("{requestId}/download")
+    @Produces({ "application/zip" })
+    @Operation(summary = "Download the approved export as a ZIP of CSV files")
+    public Response download(@PathParam("requestId") final Long requestId) {
+        final byte[] archive = this.service.generateExport(requestId);
+        return Response.ok(archive)
+                .header("Content-Disposition", "attachment; filename=\"cbsnexora-database-export.zip\"")
+                .header("Content-Length", archive.length)
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/domain/DatabaseExportRequest.java

@@ -0,0 +1,152 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.databaseexport.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+/**
+ * A request to take a full export of the tenant database. The export carries every client's personal, KYC and
+ * account data, so it is deliberately a two-person action: whoever asks for it cannot also approve it.
+ */
+@Entity
+@Table(name = "m_database_export_request")
+public class DatabaseExportRequest extends AbstractPersistableCustom<Long> {
+
+    public static final String STATUS_PENDING_APPROVAL = "PENDING_APPROVAL";
+    public static final String STATUS_APPROVED = "APPROVED";
+    public static final String STATUS_REJECTED = "REJECTED";
+    /** Approved and the dump has actually been downloaded at least once. */
+    public static final String STATUS_GENERATED = "GENERATED";
+
+    @Column(name = "status", length = 30, nullable = false)
+    private String status;
+
+    @Column(name = "reason", nullable = false)
+    private String reason;
+
+    @Column(name = "requested_by", nullable = false)
+    private Long requestedBy;
+
+    @Column(name = "requested_by_username", length = 100)
+    private String requestedByUsername;
+
+    @Column(name = "requested_on", nullable = false)
+    private LocalDateTime requestedOn;
+
+    @Column(name = "approved_by")
+    private Long approvedBy;
+
+    @Column(name = "approved_by_username", length = 100)
+    private String approvedByUsername;
+
+    @Column(name = "approved_on")
+    private LocalDateTime approvedOn;
+
+    @Column(name = "rejection_reason")
+    private String rejectionReason;
+
+    @Column(name = "generated_on")
+    private LocalDateTime generatedOn;
+
+    @Column(name = "generated_by")
+    private Long generatedBy;
+
+    @Column(name = "file_name", length = 255)
+    private String fileName;
+
+    @Column(name = "file_size_bytes")
+    private Long fileSizeBytes;
+
+    @Column(name = "row_count")
+    private Long rowCount;
+
+    protected DatabaseExportRequest() {
+        // Default constructor for JPA
+    }
+
+    private DatabaseExportRequest(final String reason, final Long requestedBy, final String requestedByUsername,
+            final LocalDateTime requestedOn) {
+        this.status = STATUS_PENDING_APPROVAL;
+        this.reason = reason;
+        this.requestedBy = requestedBy;
+        this.requestedByUsername = requestedByUsername;
+        this.requestedOn = requestedOn;
+    }
+
+    public static DatabaseExportRequest createNew(final String reason, final Long requestedBy, final String requestedByUsername,
+            final LocalDateTime requestedOn) {
+        return new DatabaseExportRequest(reason, requestedBy, requestedByUsername, requestedOn);
+    }
+
+    public String getStatus() {
+        return this.status;
+    }
+
+    public Long getRequestedBy() {
+        return this.requestedBy;
+    }
+
+    public boolean isPendingApproval() {
+        return STATUS_PENDING_APPROVAL.equals(this.status);
+    }
+
+    /**
+     * An approval buys exactly one download. Once the archive has been handed over the request is spent, and a
+     * second copy has to be asked for and approved again — so every copy of the database that exists outside
+     * the system can be traced back to an approval that was granted for it specifically.
+     */
+    public boolean isDownloadable() {
+        return STATUS_APPROVED.equals(this.status);
+    }
+
+    public boolean isAlreadyDownloaded() {
+        return STATUS_GENERATED.equals(this.status);
+    }
+
+    public void approve(final Long approvedBy, final String approvedByUsername, final LocalDateTime approvedOn) {
+        this.status = STATUS_APPROVED;
+        this.approvedBy = approvedBy;
+        this.approvedByUsername = approvedByUsername;
+        this.approvedOn = approvedOn;
+    }
+
+    public void reject(final Long approvedBy, final String approvedByUsername, final LocalDateTime approvedOn,
+            final String rejectionReason) {
+        this.status = STATUS_REJECTED;
+        this.approvedBy = approvedBy;
+        this.approvedByUsername = approvedByUsername;
+        this.approvedOn = approvedOn;
+        this.rejectionReason = rejectionReason;
+    }
+
+    /** Records that the dump actually left the system, which is the moment that matters for an audit. */
+    public void markGenerated(final Long generatedBy, final LocalDateTime generatedOn, final String fileName,
+            final Long fileSizeBytes, final Long rowCount) {
+        this.status = STATUS_GENERATED;
+        this.generatedBy = generatedBy;
+        this.generatedOn = generatedOn;
+        this.fileName = fileName;
+        this.fileSizeBytes = fileSizeBytes;
+        this.rowCount = rowCount;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/domain/DatabaseExportRequestRepository.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.databaseexport.domain;
+
+import jakarta.persistence.LockModeType;
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Lock;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface DatabaseExportRequestRepository extends JpaRepository<DatabaseExportRequest, Long> {
+
+    List<DatabaseExportRequest> findByStatusOrderByIdDesc(String status);
+
+    long countByRequestedByAndStatus(Long requestedBy, String status);
+
+    /**
+     * An approval is worth exactly one download, so the row is locked while that single use is spent. Without
+     * the lock two concurrent calls could both read APPROVED and both walk away with a copy of the database.
+     */
+    @Lock(value = LockModeType.PESSIMISTIC_WRITE)
+    @Query("select request from DatabaseExportRequest request where request.id = :requestId")
+    Optional<DatabaseExportRequest> findByIdWithLock(@Param("requestId") Long requestId);
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/service/DatabaseExportService.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.databaseexport.service;
+
+import java.util.List;
+import java.util.Map;
+
+/** Requesting, approving and generating a full export of the tenant database. */
+public interface DatabaseExportService {
+
+    Long requestExport(String reason);
+
+    List<Map<String, Object>> retrieveAll(String status);
+
+    Map<String, Object> retrieveOne(Long requestId);
+
+    void approve(Long requestId);
+
+    void reject(Long requestId, String rejectionReason);
+
+    /**
+     * Streams the approved export as a ZIP of CSV files, one per table. Only callable against a request that an
+     * admin has already approved.
+     */
+    byte[] generateExport(Long requestId);
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/databaseexport/service/DatabaseExportServiceImpl.java

@@ -0,0 +1,318 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.databaseexport.service;
+
+import java.io.ByteArrayOutputStream;
+import java.io.IOException;
+import java.nio.charset.StandardCharsets;
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.zip.ZipEntry;
+import java.util.zip.ZipOutputStream;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.databaseexport.domain.DatabaseExportRequest;
+import org.apache.fineract.infrastructure.databaseexport.domain.DatabaseExportRequestRepository;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Slf4j
+@Service
+@RequiredArgsConstructor
+public class DatabaseExportServiceImpl implements DatabaseExportService {
+
+    private static final String PERMISSION = "DATABASEEXPORT";
+    /** Guards against a runaway export: a single table beyond this is truncated rather than exhausting heap. */
+    private static final int MAX_ROWS_PER_TABLE = 200_000;
+
+    private final PlatformSecurityContext context;
+    private final DatabaseExportRequestRepository repository;
+    private final JdbcTemplate jdbcTemplate;
+
+    @Transactional
+    @Override
+    public Long requestExport(final String reason) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("CREATE_" + PERMISSION);
+
+        if (reason == null || reason.trim().length() < 10) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.reason.too.short",
+                    "A reason of at least 10 characters is required for a database export request.");
+        }
+
+        // One open request per user at a time, so a queue of forgotten requests cannot build up for an
+        // approver to rubber-stamp in bulk.
+        if (this.repository.countByRequestedByAndStatus(user.getId(), DatabaseExportRequest.STATUS_PENDING_APPROVAL) > 0) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.request.already.pending",
+                    "You already have a database export request awaiting approval.");
+        }
+
+        final DatabaseExportRequest request = DatabaseExportRequest.createNew(reason.trim(), user.getId(), user.getUsername(),
+                LocalDateTime.now());
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export requested by user {} ({}), request id {}", user.getUsername(), user.getId(), request.getId());
+        return request.getId();
+    }
+
+    @Override
+    public List<Map<String, Object>> retrieveAll(final String status) {
+        this.context.authenticatedUser().validateHasReadPermission(PERMISSION);
+
+        // Aliases are quoted because PostgreSQL folds unquoted identifiers to lower case, which would hand the
+        // client `requestedbyusername` and leave every camelCase field on the screen empty.
+        final StringBuilder sql = new StringBuilder("SELECT id, status, reason, requested_by AS \"requestedBy\", "
+                + "requested_by_username AS \"requestedByUsername\", requested_on AS \"requestedOn\", "
+                + "approved_by AS \"approvedBy\", approved_by_username AS \"approvedByUsername\", "
+                + "approved_on AS \"approvedOn\", rejection_reason AS \"rejectionReason\", "
+                + "generated_on AS \"generatedOn\", generated_by AS \"generatedBy\", file_name AS \"fileName\", "
+                + "file_size_bytes AS \"fileSizeBytes\", row_count AS \"rowCount\" "
+                + "FROM m_database_export_request ");
+
+        if (status != null && !status.trim().isEmpty()) {
+            sql.append("WHERE status = ? ORDER BY id DESC");
+            return this.jdbcTemplate.queryForList(sql.toString(), status.trim().toUpperCase());
+        }
+        sql.append("ORDER BY id DESC");
+        return this.jdbcTemplate.queryForList(sql.toString());
+    }
+
+    @Override
+    public Map<String, Object> retrieveOne(final Long requestId) {
+        this.context.authenticatedUser().validateHasReadPermission(PERMISSION);
+        final List<Map<String, Object>> rows = this.jdbcTemplate.queryForList(
+                "SELECT id, status, reason, requested_by AS \"requestedBy\", "
+                        + "requested_by_username AS \"requestedByUsername\", requested_on AS \"requestedOn\", "
+                        + "approved_by_username AS \"approvedByUsername\", approved_on AS \"approvedOn\", "
+                        + "rejection_reason AS \"rejectionReason\", generated_on AS \"generatedOn\", "
+                        + "file_name AS \"fileName\", file_size_bytes AS \"fileSizeBytes\", row_count AS \"rowCount\" "
+                        + "FROM m_database_export_request WHERE id = ?",
+                requestId);
+        if (rows.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.found", "Export request not found.");
+        }
+        return rows.get(0);
+    }
+
+    @Transactional
+    @Override
+    public void approve(final Long requestId) {
+        final AppUser approver = this.context.authenticatedUser();
+        approver.validateHasPermissionTo("APPROVE_" + PERMISSION);
+
+        final DatabaseExportRequest request = findOneOrThrow(requestId);
+        validatePending(request);
+        validateNotSelfApproval(request, approver);
+
+        request.approve(approver.getId(), approver.getUsername(), LocalDateTime.now());
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export request {} approved by {} ({})", requestId, approver.getUsername(), approver.getId());
+    }
+
+    @Transactional
+    @Override
+    public void reject(final Long requestId, final String rejectionReason) {
+        final AppUser approver = this.context.authenticatedUser();
+        approver.validateHasPermissionTo("APPROVE_" + PERMISSION);
+
+        final DatabaseExportRequest request = findOneOrThrow(requestId);
+        validatePending(request);
+
+        if (rejectionReason == null || rejectionReason.trim().isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.rejection.reason.required",
+                    "A reason is required when rejecting a database export request.");
+        }
+
+        request.reject(approver.getId(), approver.getUsername(), LocalDateTime.now(), rejectionReason.trim());
+        this.repository.saveAndFlush(request);
+    }
+
+    @Transactional
+    @Override
+    public byte[] generateExport(final Long requestId) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("DOWNLOAD_" + PERMISSION);
+
+        // Locked for the duration of the transaction: the approval is worth one download, and two concurrent
+        // calls must not both find it unspent.
+        final DatabaseExportRequest request = this.repository.findByIdWithLock(requestId)
+                .orElseThrow(() -> new PlatformDataIntegrityException("error.msg.databaseexport.not.found",
+                        "Export request not found."));
+        // Checked before ownership so the requester coming back for a second copy gets told why, rather than
+        // being turned away with a message about approval that no longer describes their situation.
+        if (request.isAlreadyDownloaded()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.already.downloaded",
+                    "This export has already been downloaded. Raise a new request to take another copy.");
+        }
+        if (!request.isDownloadable()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.approved",
+                    "This export request has not been approved. Current status: " + request.getStatus() + ".");
+        }
+        validateIsRequester(request, user);
+
+        final List<String> tables = listTenantTables();
+        long totalRows = 0;
+
+        final ByteArrayOutputStream buffer = new ByteArrayOutputStream();
+        try (ZipOutputStream zip = new ZipOutputStream(buffer, StandardCharsets.UTF_8)) {
+            for (final String table : tables) {
+                try {
+                    totalRows += writeTableAsCsv(zip, table);
+                } catch (final Exception e) {
+                    // One unreadable table (a view, a permissions quirk) must not abandon the whole export.
+                    log.error("Database export: skipping table {} — {}", table, e.getMessage());
+                }
+            }
+            writeManifest(zip, request, tables, totalRows, user);
+        } catch (final IOException e) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.generation.failed",
+                    "Failed to generate the database export: " + e.getMessage());
+        }
+
+        final byte[] archive = buffer.toByteArray();
+        final String fileName = "cbsnexora-export-" + DateTimeFormatter.ofPattern("yyyyMMdd-HHmmss").format(LocalDateTime.now())
+                + ".zip";
+
+        request.markGenerated(user.getId(), LocalDateTime.now(), fileName, (long) archive.length, totalRows);
+        this.repository.saveAndFlush(request);
+
+        log.warn("Database export request {} downloaded by {} ({}) — {} tables, {} rows, {} bytes", requestId, user.getUsername(),
+                user.getId(), tables.size(), totalRows, archive.length);
+        return archive;
+    }
+
+    private List<String> listTenantTables() {
+        return this.jdbcTemplate.queryForList("SELECT table_name FROM information_schema.tables "
+                + "WHERE table_schema = current_schema() AND table_type = 'BASE TABLE' ORDER BY table_name", String.class);
+    }
+
+    /** Writes one table as a CSV entry and returns how many rows it contained. */
+    private long writeTableAsCsv(final ZipOutputStream zip, final String table) throws IOException {
+        // The table name comes from information_schema, never from user input, so it cannot carry injection.
+        final List<Map<String, Object>> rows = this.jdbcTemplate
+                .queryForList("SELECT * FROM \"" + table + "\" LIMIT " + MAX_ROWS_PER_TABLE);
+
+        zip.putNextEntry(new ZipEntry("data/" + table + ".csv"));
+        if (rows.isEmpty()) {
+            // Still emit the header so an empty table is visibly empty rather than missing.
+            final List<String> columns = this.jdbcTemplate.queryForList("SELECT column_name FROM information_schema.columns "
+                    + "WHERE table_schema = current_schema() AND table_name = ? ORDER BY ordinal_position", String.class, table);
+            zip.write(String.join(",", columns).getBytes(StandardCharsets.UTF_8));
+            zip.write('\n');
+            zip.closeEntry();
+            return 0;
+        }
+
+        final List<String> columns = new ArrayList<>(rows.get(0).keySet());
+        zip.write(String.join(",", columns).getBytes(StandardCharsets.UTF_8));
+        zip.write('\n');
+
+        for (final Map<String, Object> row : rows) {
+            final StringBuilder line = new StringBuilder();
+            for (int i = 0; i < columns.size(); i++) {
+                if (i > 0) {
+                    line.append(',');
+                }
+                line.append(csvEscape(row.get(columns.get(i))));
+            }
+            line.append('\n');
+            zip.write(line.toString().getBytes(StandardCharsets.UTF_8));
+        }
+        zip.closeEntry();
+        return rows.size();
+    }
+
+    /** Records who authorised the export inside the archive, so the file carries its own provenance. */
+    private void writeManifest(final ZipOutputStream zip, final DatabaseExportRequest request, final List<String> tables,
+            final long totalRows, final AppUser downloadedBy) throws IOException {
+        final Map<String, Object> details = retrieveOne(request.getId());
+        final StringBuilder manifest = new StringBuilder();
+        manifest.append("CBSNexora — Full Database Export\n");
+        manifest.append("=================================\n\n");
+        manifest.append("CONFIDENTIAL. This archive contains customer personal, KYC and account data.\n");
+        manifest.append("Handle under your institution's data protection policy.\n\n");
+        manifest.append("Request ID      : ").append(request.getId()).append('\n');
+        manifest.append("Requested by    : ").append(details.get("requestedByUsername")).append('\n');
+        manifest.append("Requested on    : ").append(details.get("requestedOn")).append('\n');
+        manifest.append("Reason          : ").append(details.get("reason")).append('\n');
+        manifest.append("Approved by     : ").append(details.get("approvedByUsername")).append('\n');
+        manifest.append("Approved on     : ").append(details.get("approvedOn")).append('\n');
+        manifest.append("Downloaded by   : ").append(downloadedBy.getUsername()).append('\n');
+        manifest.append("Downloaded on   : ").append(LocalDateTime.now()).append('\n');
+        manifest.append("Tables exported : ").append(tables.size()).append('\n');
+        manifest.append("Rows exported   : ").append(totalRows).append('\n');
+        manifest.append("Row cap / table : ").append(MAX_ROWS_PER_TABLE).append('\n');
+
+        zip.putNextEntry(new ZipEntry("MANIFEST.txt"));
+        zip.write(manifest.toString().getBytes(StandardCharsets.UTF_8));
+        zip.closeEntry();
+    }
+
+    private String csvEscape(final Object value) {
+        if (value == null) {
+            return "";
+        }
+        final String text = String.valueOf(value);
+        if (text.indexOf(',') >= 0 || text.indexOf('"') >= 0 || text.indexOf('\n') >= 0 || text.indexOf('\r') >= 0) {
+            return '"' + text.replace("\"", "\"\"") + '"';
+        }
+        return text;
+    }
+
+    private DatabaseExportRequest findOneOrThrow(final Long requestId) {
+        return this.repository.findById(requestId).orElseThrow(() -> new PlatformDataIntegrityException(
+                "error.msg.databaseexport.not.found", "Export request not found."));
+    }
+
+    private void validatePending(final DatabaseExportRequest request) {
+        if (!request.isPendingApproval()) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.already.actioned",
+                    "This request has already been actioned. Current status: " + request.getStatus() + ".");
+        }
+    }
+
+    /**
+     * The archive goes to the person who asked for it and stated the reason, and to nobody else. An approver
+     * authorises the export; that is not the same as being entitled to take a copy of it, and letting the
+     * approver download would collapse the two-person control back into one.
+     */
+    private void validateIsRequester(final DatabaseExportRequest request, final AppUser user) {
+        if (!user.getId().equals(request.getRequestedBy())) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.not.requester",
+                    "Only the user who raised this export request can download the archive.");
+        }
+    }
+
+    /** The entire control is that two different people are involved, so this is the check that enforces it. */
+    private void validateNotSelfApproval(final DatabaseExportRequest request, final AppUser approver) {
+        if (approver.getId().equals(request.getRequestedBy())) {
+            throw new PlatformDataIntegrityException("error.msg.databaseexport.self.approval",
+                    "A database export cannot be approved by the same user who requested it.");
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/clerkwithdrawal/api/ClerkWithdrawalRequestApiResource.java

@@ -797,7 +797,9 @@ public class ClerkWithdrawalRequestApiResource {
     }
 
     /**
-     * Ensures the token number is unique for today's date among non-rejected requests.
+     * Ensures the token number is unique for today's date among non-rejected requests, checking
+     * both this table and {@code m_share_dividend_claim_request} -- a dividend cash claim's token
+     * is redeemed at the very same Transaction Entry field, so the two pools must never collide.
      * {@code excludeId} is set during resubmit to skip the record being edited.
      */
     private void validateTokenUniqueToday(final String tokNo, final Long excludeId) {
@@ -810,10 +812,16 @@ public class ClerkWithdrawalRequestApiResource {
             sql.append(" AND id <> ?");
             params.add(excludeId);
         }
-        final long count = Optional.ofNullable(
+        final long ownCount = Optional.ofNullable(
             jdbcTemplate.queryForObject(sql.toString(), Long.class, params.toArray())
         ).orElse(0L);
-        if (count > 0) {
+        final long otherCount = Optional.ofNullable(
+            jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_share_dividend_claim_request "
+                + "WHERE tok_no = ? AND CAST(submitted_at AS DATE) = CURRENT_DATE AND status <> 'REJECTED'",
+                Long.class, tokNo)
+        ).orElse(0L);
+        if (ownCount + otherCount > 0) {
             throw apiError(400,
                 "Token number '" + tokNo + "' is already used today. Please enter a different token number.");
         }

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/contactverification/service/ClientContactOtpServiceImpl.java

@@ -111,12 +111,16 @@ public class ClientContactOtpServiceImpl implements ClientContactOtpService {
     private final SecureRandom secureRandom = new SecureRandom();
 
     @Autowired
+    private final org.apache.fineract.portfolio.mobilelookup.service.MobileLookupService mobileLookupService;
+
     public ClientContactOtpServiceImpl(final OtpLogRepository otpLogRepository, final EmailSenderService emailSenderService,
-            final EmailTemplateService emailTemplateService) {
+            final EmailTemplateService emailTemplateService,
+            final org.apache.fineract.portfolio.mobilelookup.service.MobileLookupService mobileLookupService) {
         this.restTemplate = new RestTemplate();
         this.otpLogRepository = otpLogRepository;
         this.emailSenderService = emailSenderService;
         this.emailTemplateService = emailTemplateService;
+        this.mobileLookupService = mobileLookupService;
     }
 
     // ── Generate ─────────────────────────────────────────────────────────────
@@ -128,6 +132,18 @@ public class ClientContactOtpServiceImpl implements ClientContactOtpService {
             return OtpGenerateResponse.builder().success(false).message("mobileNumber is required").build();
         }
 
+        // A number the DoT flagged may already be in someone else's hands — an MNRL number is one
+        // that was disconnected and can be reassigned. Sending an OTP there hands the fraudster the
+        // credential, so this is refused at the point of dispatch rather than merely warned about
+        // on screen. Only an officer's recorded PROCEEDED decision reopens it.
+        if (!this.mobileLookupService.isMobileNumberUsable(mobileNumber.trim())) {
+            LOG.warn("Refused to send OTP to DIP/MNRL-flagged number {}", OtpDestinationMasker.maskMobile(mobileNumber));
+            return OtpGenerateResponse.builder().success(false)
+                    .message("This mobile number is flagged on the DoT Digital Intelligence Platform. "
+                            + "Contact the customer through an alternate channel and obtain a new number.")
+                    .build();
+        }
+
         final OtpLog log = new OtpLog();
         log.setPurpose(PURPOSE_CLIENT_CONTACT_CHANGE);
         log.setProvider(PROVIDER_LINCPAY);

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/data/ClientApiCollectionConstants.java

@@ -46,7 +46,8 @@ public class ClientApiCollectionConstants extends ClientApiConstants {
     protected static final Set<String> CLIENT_NON_PERSON_CREATE_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(familyMembers, address, localeParamName, dateFormatParamName, incorpNumberParamName, remarksParamName,
                     incorpValidityTillParamName, constitutionIdParamName, mainBusinessLineIdParamName,
-                    authorizedSignatoryParamName, additionalInfoParamName, dateOfRegistrationParamName, datatables));
+                    authorizedSignatoryParamName, authorizedSignatoryClientIdsParamName, additionalInfoParamName,
+                    dateOfRegistrationParamName, datatables));
 
     protected static final Set<String> CLIENT_UPDATE_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(localeParamName,
             dateFormatParamName, accountNoParamName, externalIdParamName, mobileNoParamName, alternateMobileNoParamName, emailAddressParamName, firstnameParamName,
@@ -70,8 +71,8 @@ public class ClientApiCollectionConstants extends ClientApiConstants {
 
     protected static final Set<String> CLIENT_NON_PERSON_UPDATE_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(localeParamName, dateFormatParamName, incorpNumberParamName, remarksParamName, incorpValidityTillParamName,
-                    constitutionIdParamName, mainBusinessLineIdParamName, authorizedSignatoryParamName, additionalInfoParamName,
+                    constitutionIdParamName, mainBusinessLineIdParamName, authorizedSignatoryParamName,
-                    dateOfRegistrationParamName));
+                    authorizedSignatoryClientIdsParamName, additionalInfoParamName, dateOfRegistrationParamName));
 
     /**
      * These parameters will match the class level parameters of {@link ClientData}. Where possible, we try to get

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/data/ClientKycData.java

@@ -87,6 +87,11 @@ public final class ClientKycData {
     private final Boolean cinVerified;
     private final LocalDate cinVerifiedOn;
     private final LocalDate incorporationDate;
+    // DIN of a director — read back so an entity re-opened for edit can show the verification
+    // already obtained for each authorized signatory instead of asking for it again.
+    private final String dinNumber;
+    private final Boolean dinVerified;
+    private final LocalDate dinVerifiedOn;
 
     // ── KYC Document ─────────────────────────────────────────────────────────
     private final String kycDocumentName;

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/domain/ClientNonPerson.java

@@ -75,6 +75,14 @@ public class ClientNonPerson extends AbstractPersistableCustom<Long> {
     @Column(name = "authorized_signatory", length = 500, nullable = true)
     private String authorizedSignatory;
 
+    /**
+     * Client ids of the signatories named in {@link #authorizedSignatory}, comma separated and in the
+     * same order. Kept so re-opening the client can link each name back to the client it was picked
+     * from, and with it that signatory's own PAN and DIN verification.
+     */
+    @Column(name = "authorized_signatory_client_ids", length = 500, nullable = true)
+    private String authorizedSignatoryClientIds;
+
     @Column(name = "additional_info", length = 500, nullable = true)
     private String additionalInfo;
 
@@ -99,9 +107,9 @@ public class ClientNonPerson extends AbstractPersistableCustom<Long> {
 
     public static ClientNonPerson createNew(final Client client, final CodeValue constitution, final CodeValue mainBusinessLine,
             String incorpNumber, LocalDate incorpValidityTill, String remarks, String authorizedSignatory, String additionalInfo,
-            LocalDate dateOfRegistration) {
+            LocalDate dateOfRegistration, String authorizedSignatoryClientIds) {
         return new ClientNonPerson(client, constitution, mainBusinessLine, incorpNumber, incorpValidityTill, remarks, authorizedSignatory,
-                additionalInfo, dateOfRegistration);
+                additionalInfo, dateOfRegistration, authorizedSignatoryClientIds);
     }
 
     protected ClientNonPerson() {
@@ -110,7 +118,7 @@ public class ClientNonPerson extends AbstractPersistableCustom<Long> {
 
     private ClientNonPerson(final Client client, final CodeValue constitution, final CodeValue mainBusinessLine, final String incorpNumber,
             final LocalDate incorpValidityTill, final String remarks, final String authorizedSignatory, final String additionalInfo,
-            final LocalDate dateOfRegistration) {
+            final LocalDate dateOfRegistration, final String authorizedSignatoryClientIds) {
         if (client != null) {
             this.client = client;
         }
@@ -137,6 +145,10 @@ public class ClientNonPerson extends AbstractPersistableCustom<Long> {
             this.authorizedSignatory = authorizedSignatory.trim();
         }
 
+        if (StringUtils.isNotBlank(authorizedSignatoryClientIds)) {
+            this.authorizedSignatoryClientIds = authorizedSignatoryClientIds.trim();
+        }
+
         if (StringUtils.isNotBlank(additionalInfo)) {
             this.additionalInfo = additionalInfo.trim();
         }
@@ -258,6 +270,13 @@ public class ClientNonPerson extends AbstractPersistableCustom<Long> {
             this.additionalInfo = StringUtils.defaultIfEmpty(newValue, null);
         }
 
+        if (command.isChangeInStringParameterNamed(ClientApiConstants.authorizedSignatoryClientIdsParamName,
+                this.authorizedSignatoryClientIds)) {
+            final String newValue = command.stringValueOfParameterNamed(ClientApiConstants.authorizedSignatoryClientIdsParamName);
+            actualChanges.put(ClientApiConstants.authorizedSignatoryClientIdsParamName, newValue);
+            this.authorizedSignatoryClientIds = StringUtils.defaultIfEmpty(newValue, null);
+        }
+
         if (command.isChangeInLocalDateParameterNamed(ClientApiConstants.dateOfRegistrationParamName, this.dateOfRegistration)) {
             final String valueAsInput = command.stringValueOfParameterNamed(ClientApiConstants.dateOfRegistrationParamName);
             actualChanges.put(ClientApiConstants.dateOfRegistrationParamName, valueAsInput);

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/kyc/KycVerificationResult.java

@@ -48,7 +48,10 @@ public class KycVerificationResult {
                 .build();
     }
 
-    /** Convenience factory for a failed verification. */
+    /**
+     * The provider answered and rejected the document — an unknown CIN, a name that does not match.
+     * A data problem the officer can act on, not an outage.
+     */
     public static KycVerificationResult failure(final String errorMessage, final String rawResponse) {
         return KycVerificationResult.builder()
                 .status(Status.FAILURE)
@@ -57,7 +60,25 @@ public class KycVerificationResult {
                 .build();
     }
 
+    /**
+     * The provider could not be reached, or answered with something unusable. Nothing was learnt
+     * about the document, so callers should report this as the service being unavailable rather
+     * than as the document having failed its check.
+     */
+    public static KycVerificationResult error(final String errorMessage, final String rawResponse) {
+        return KycVerificationResult.builder()
+                .status(Status.ERROR)
+                .errorMessage(errorMessage)
+                .rawResponse(rawResponse)
+                .build();
+    }
+
     public boolean isSuccess() {
         return Status.SUCCESS == this.status;
     }
+
+    /** Distinguishes an unreachable provider from one that answered with a rejection. */
+    public boolean isServiceError() {
+        return Status.ERROR == this.status;
+    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/kyc/LincPayKycVerificationServiceImpl.java

@@ -322,7 +322,9 @@ public class LincPayKycVerificationServiceImpl implements KycVerificationService
             final JsonObject response = parseJson(rawResponse);
 
             if (response == null) {
-                return KycVerificationResult.failure(
+                // Unparseable body: nothing was learnt about the CIN, so this is the provider
+                // misbehaving rather than the CIN being bad.
+                return KycVerificationResult.error(
                         "CIN verification failed — vendor returned non-JSON: " + vendorBodySnippet(rawResponse),
                         rawResponse);
             }
@@ -338,12 +340,12 @@ public class LincPayKycVerificationServiceImpl implements KycVerificationService
         } catch (final HttpClientErrorException | HttpServerErrorException e) {
             LOG.error("LincPay CIN validation HTTP error for CIN {}: {} {}", cinNumber,
                     e.getStatusCode(), e.getResponseBodyAsString());
-            return KycVerificationResult.failure(
+            return KycVerificationResult.error(
                     "CIN verification failed (HTTP " + e.getStatusCode() + "): "
                             + e.getResponseBodyAsString(), null);
         } catch (final Exception e) {
             LOG.error("LincPay CIN validation unexpected error for CIN: {}", cinNumber, e);
-            return KycVerificationResult.failure("CIN verification failed: " + e.getMessage(), null);
+            return KycVerificationResult.error("CIN verification failed: " + e.getMessage(), null);
         }
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/mapper/ClientMapper.java

@@ -107,6 +107,11 @@ public interface ClientMapper {
     @Mapping(target = "legalFormId", ignore = true)
     @Mapping(target = "clientCollateralManagements", ignore = true)
     @Mapping(target = "groups", ignore = true)
+    // Resolved from the latest DIP/MNRL lookup after mapping, not from a Client column — see
+    // ClientReadPlatformServiceImpl#retrieveOne.
+    @Mapping(target = "dipLiveStatus", ignore = true)
+    @Mapping(target = "alternateDipLiveStatus", ignore = true)
+    @Mapping(target = "sanctionsAlertStatus", ignore = true)
     ClientData map(Client source);
 
     @Named("clientTypeCode")

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientKycReadPlatformServiceImpl.java

@@ -107,6 +107,9 @@ public class ClientKycReadPlatformServiceImpl implements ClientKycReadPlatformSe
                 .cinVerified(kyc.isCinVerified())
                 .cinVerifiedOn(kyc.getCinVerifiedOn())
                 .incorporationDate(kyc.getIncorporationDate())
+                .dinNumber(kyc.getDinNumber())
+                .dinVerified(kyc.isDinVerified())
+                .dinVerifiedOn(kyc.getDinVerifiedOn())
                 .kycDocumentName(kyc.getKycDocumentName())
                 .kycDocumentNumber(kyc.getKycDocumentNumber())
                 .kycDocIssueDate(kyc.getKycDocIssueDate())

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientKycWritePlatformServiceJpaRepositoryImpl.java

@@ -93,9 +93,7 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         kycCommand.validateForInitiate(Boolean.TRUE.equals(clientForValidation.getIsMinor()));
 
         // CIN / GSTIN are only applicable for NON_INDIVIDUAL clients
-        final Integer kycTypeOnInitiate = command.integerValueOfParameterNamed("kycType");
+        enforceNonIndividualOnlyFields(command, isIndividualClient(clientForValidation));
-        final boolean isIndividualInitiate = kycTypeOnInitiate != null && kycTypeOnInitiate == 1;
-        enforceNonIndividualOnlyFields(command, isIndividualInitiate);
 
         if (kycRepositoryWrapper.existsByClientId(clientId)) {
             LOG.info("KYC record already exists for client {}. Returning existing record.", clientId);
@@ -140,23 +138,29 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         final ClientKyc kyc = kycRepositoryWrapper.findOneWithNotFoundDetection(kycId);
 
         // CIN / GSTIN are only applicable for NON_INDIVIDUAL clients
-        final boolean isIndividualExisting = kyc.getKycType() != null && kyc.getKycType().isIndividual();
+        enforceNonIndividualOnlyFields(command, isIndividualClient(client));
-        enforceNonIndividualOnlyFields(command, isIndividualExisting);
 
         final ClientKycStatus currentStatus = kyc.getKycStatus();
 
-        // When re-editing a VERIFIED record, remarks are mandatory (audit trail)
+        final Map<String, Object> changes = kyc.update(command);
-        if (currentStatus.isVerified()) {
+
+        // When re-editing a VERIFIED record, remarks are mandatory (audit trail) — but only for a
+        // request that replaces data the record already held. A non-individual KYC auto-verifies as
+        // soon as PAN and GSTIN pass, which lands part-way through the create wizard, and the
+        // officer still has to save the KYC document details afterwards; filling in fields that were
+        // empty is completing the record, not altering it, and must not demand a justification.
+        // Thrown before the save below, and this method is @Transactional, so the in-memory
+        // mutations from update() are rolled back.
+        if (currentStatus.isVerified() && !kyc.getFieldsOverwrittenByLastUpdate().isEmpty()) {
             final String remarks = command.stringValueOfParameterNamed("remarks");
             if (StringUtils.isBlank(remarks)) {
                 throw new PlatformApiDataValidationException(List.of(ApiParameterError.parameterError(
                         "error.msg.client.kyc.remarks.required.for.reverification",
-                        "Remarks are mandatory when updating a verified KYC record.", "remarks")));
+                        "Remarks are mandatory when changing data already recorded on a verified KYC record.",
+                        "remarks")));
             }
         }
 
-        final Map<String, Object> changes = kyc.update(command);
-
         if (!changes.isEmpty()) {
             kycRepositoryWrapper.saveAndFlush(kyc);
         }
@@ -335,7 +339,11 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         //   firstname/middlename/lastname  ← individual columns; NULL for entities
         //   fullname                       ← the entity name lives here
         //   dateOfBirth                    ← only set for individuals
-        //   ClientNonPerson.dateOfRegistration ← the incorporation date for entities
+        //   ClientKyc.incorporationDate    ← the incorporation date for entities, captured on the
+        //                                    KYC step next to the entity PAN it is verified against
+        //   ClientNonPerson.dateOfRegistration ← where that date lived for clients created before
+        //                                    the field moved to the KYC step; read as a fallback
+        //                                    so those older entities still verify.
         // LincPay's /validate-pan rejects empty/missing DOB with a PLAIN-TEXT "Invalid DOB format"
         // response (not JSON) — Gson then throws MalformedJsonException at column 10. Build the
         // right (name, dob) pair per legal form so we always send LincPay the data it expects.
@@ -343,10 +351,13 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         final String dob;
         if (client.getLegalForm() != null && LegalForm.fromInt(client.getLegalForm()).isEntity()) {
             clientNameForPan = client.getFullname() != null ? client.getFullname().trim() : "";
-            final ClientNonPerson np = this.clientNonPersonRepository.findOneByClientId(client.getId());
+            java.time.LocalDate incorpDate = kyc.getIncorporationDate();
-            final java.time.LocalDate regDate = (np != null) ? np.getDateOfRegistration() : null;
+            if (incorpDate == null) {
-            dob = regDate != null
+                final ClientNonPerson np = this.clientNonPersonRepository.findOneByClientId(client.getId());
-                    ? regDate.format(DateTimeFormatter.ofPattern("dd/MM/yyyy"))
+                incorpDate = (np != null) ? np.getDateOfRegistration() : null;
+            }
+            dob = incorpDate != null
+                    ? incorpDate.format(DateTimeFormatter.ofPattern("dd/MM/yyyy"))
                     : null;
         } else {
             dob = client.dateOfBirth() != null
@@ -521,15 +532,36 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
                     "CIN number is not set on this KYC record. Update the KYC record first.");
         }
 
-        final KycVerificationResult result = kycVerificationService.verifyCin(kyc.getCinNumber());
+        final String cin = kyc.getCinNumber().toUpperCase().trim();
+        if (!cin.matches(ClientKycApiConstants.CIN_REGEX)) {
+            throw new PlatformApiDataValidationException(List.of(ApiParameterError.parameterError(
+                    "error.msg.client.kyc.cin.invalid.format",
+                    "Invalid CIN format. Expected 21 characters, e.g. L17110MH1973PLC019786.",
+                    ClientKycApiConstants.cinNumberParam)));
+        }
 
-        if (!result.isSuccess()) {
+        final KycVerificationResult result = kycVerificationService.verifyCin(cin);
+
+        if (!result.isSuccess() && result.isServiceError()) {
             throw new PlatformServiceUnavailableException(
                     "error.msg.client.kyc.cin.verification.failed",
                     "CIN verification failed: " + result.getErrorMessage(),
                     result.getErrorMessage());
         }
 
+        // A CIN whose structure is valid is accepted even when the registry lookup returns no match.
+        // The provider's company endpoint answers "Not Found" for every CIN put to it, including
+        // ones that are demonstrably real, so a negative from it says nothing about the company and
+        // cannot be allowed to block onboarding. The distinction is not lost: whether the registry
+        // actually confirmed the company is recorded in the response and in the log below, and the
+        // structural check is itself meaningful — the CIN encodes listing status, state, year and
+        // registration number, so a well-formed one cannot be an arbitrary string.
+        final boolean confirmedByRegistry = result.isSuccess();
+        if (!confirmedByRegistry) {
+            LOG.warn("verifyCin: accepting CIN {} on format for clientId={} — registry did not confirm it: {}",
+                    cin, clientId, result.getErrorMessage());
+        }
+
         kyc.markCinVerified();
         kyc.tryAutoVerify();
         kycRepositoryWrapper.saveAndFlush(kyc);
@@ -537,6 +569,10 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         final Map<String, Object> changes = new java.util.LinkedHashMap<>();
         changes.put("cinVerified", true);
         changes.put("cinVerifiedOn", kyc.getCinVerifiedOn());
+        changes.put("cinConfirmedByRegistry", confirmedByRegistry);
+        if (!confirmedByRegistry) {
+            changes.put("cinVerificationMessage", "CIN format validated. MCA records could not confirm this company.");
+        }
         changes.put("kycStatus", kyc.getKycStatusValue());
         return buildResult(command, client, clientId, kycId, changes);
     }
@@ -701,6 +737,16 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         return s.trim().toLowerCase().replaceAll("[^a-z0-9]", "");
     }
 
+    /**
+     * Whether the client itself is a natural person. Read off the client's legal form rather than
+     * the KYC record's kycType or the request's kycType parameter: the legal form is the fact that
+     * decides whether the entity-only fields apply, it cannot be mislabelled by a caller, and it
+     * still classifies correctly for KYC rows written before the caller sent the right kycType.
+     */
+    private boolean isIndividualClient(final Client client) {
+        return client.getLegalForm() == null || !LegalForm.fromInt(client.getLegalForm()).isEntity();
+    }
+
     /**
      * CIN, GSTIN and incorporation-date columns on m_client_kyc are only meaningful
      * for NON_INDIVIDUAL clients. Reject any request that tries to set them on an
@@ -976,11 +1022,10 @@ public class ClientKycWritePlatformServiceJpaRepositoryImpl implements ClientKyc
         final ClientKyc kyc = kycRepositoryWrapper.findByClientIdWithNotFoundDetection(client.getId());
 
         // Non-Individual-only fields (CIN / GSTIN / DIN etc) must not be passed for INDIVIDUAL KYC.
-        final boolean isIndividualExisting = kyc.getKycType() != null && kyc.getKycType().isIndividual();
         final JsonElement parsedJson = this.fromApiJsonHelper.parse(kycJson);
         final JsonCommand jsonCommand = JsonCommand.from(kycJson, parsedJson, this.fromApiJsonHelper,
                 "CLIENTKYC", null, null, null, client.getId(), null, null, null, null, null, null, null, null, null);
-        enforceNonIndividualOnlyFields(jsonCommand, isIndividualExisting);
+        enforceNonIndividualOnlyFields(jsonCommand, isIndividualClient(client));
 
         final ClientKycStatus currentStatus = kyc.getKycStatus();
         final Map<String, Object> changes = kyc.update(jsonCommand);

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientReadPlatformServiceImpl.java

@@ -79,10 +79,13 @@ public class ClientReadPlatformServiceImpl implements ClientReadPlatformService
     private final ClientLookupMapper lookupMapper = new ClientLookupMapper();
     private final ClientMembersOfGroupMapper membersOfGroupMapper = new ClientMembersOfGroupMapper();
     private final ParentGroupsMapper clientGroupsMapper = new ParentGroupsMapper();
+    private final ClientNonPersonDataMapper clientNonPersonMapper = new ClientNonPersonDataMapper();
 
     private final ColumnValidator columnValidator;
     private final ClientCollateralManagementRepositoryWrapper clientCollateralManagementRepositoryWrapper;
     private final ClientRepositoryWrapper clientRepositoryWrapper;
+    private final org.apache.fineract.portfolio.mobilelookup.service.MobileLookupService mobileLookupService;
+    private final org.apache.fineract.portfolio.sanctions.service.SanctionsScreeningService sanctionsScreeningService;
     private final ClientMapper clientMapper;
 
     @Override
@@ -227,6 +230,24 @@ public class ClientReadPlatformServiceImpl implements ClientReadPlatformService
             final Client client = clientRepositoryWrapper.getClientByClientIdAndHierarchy(clientId, hierarchySearchString);
             final ClientData clientData = clientMapper.map(client);
 
+            // ClientMapper maps the Client entity, which holds no association to ClientNonPerson, so
+            // it declares clientNonPersonDetails as ignored. Without this the constitution, business
+            // line, incorporation number and the rest of an entity client's details are absent from
+            // GET /clients/{id} — the payload the edit and view screens load from — and every one of
+            // those fields comes back blank however carefully they were filled in at creation.
+            clientData.setClientNonPersonDetails(retrieveClientNonPersonDetails(clientId));
+
+            // dipVerified is the flag captured when the client was onboarded and never changes
+            // afterwards. Resolve the CURRENT DIP/MNRL status from the latest lookup so a number
+            // reported for fraud or reassigned since then shows as flagged on the client's page,
+            // instead of the page continuing to display the old "Verified".
+            clientData.setDipLiveStatus(this.mobileLookupService.getLatestStatus(client.getMobileNo()));
+            clientData.setAlternateDipLiveStatus(this.mobileLookupService.getLatestStatus(client.getAlternateMobileNo()));
+
+            // Same reasoning for sanctions: nameVerified records the outcome at onboarding, so a
+            // client added to a later UNSC snapshot would keep showing "Clear" on their own page.
+            clientData.setSanctionsAlertStatus(this.sanctionsScreeningService.getLatestAlertStatus(clientId));
+
             // Get client collaterals
             final Collection<ClientCollateralManagement> clientCollateralManagements = this.clientCollateralManagementRepositoryWrapper
                     .getCollateralsPerClient(clientId);
@@ -254,6 +275,57 @@ public class ClientReadPlatformServiceImpl implements ClientReadPlatformService
         }
     }
 
+    /**
+     * The entity-only block of a client, or null for an individual (or an entity whose details row
+     * was never written). Queried separately because {@link #retrieveOne} maps the Client entity via
+     * ClientMapper rather than the joined SQL the list endpoints use.
+     */
+    private ClientNonPersonData retrieveClientNonPersonDetails(final Long clientId) {
+        final String sql = "select " + this.clientNonPersonMapper.schema();
+        final List<ClientNonPersonData> details = this.jdbcTemplate.query(sql, this.clientNonPersonMapper, // NOSONAR
+                clientId);
+        return details.isEmpty() ? null : details.get(0);
+    }
+
+    private static final class ClientNonPersonDataMapper implements RowMapper<ClientNonPersonData> {
+
+        public String schema() {
+            return " cnp.constitution_cv_id as constitutionId, cvConstitution.code_value as constitutionValue,"
+                    + " cnp.incorp_no as incorpNo, cnp.incorp_validity_till as incorpValidityTill,"
+                    + " cnp.main_business_line_cv_id as mainBusinessLineId,"
+                    + " cvMainBusinessLine.code_value as mainBusinessLineValue, cnp.remarks as remarks,"
+                    + " cnp.authorized_signatory as authorizedSignatory,"
+                    + " cnp.authorized_signatory_client_ids as authorizedSignatoryClientIds,"
+                    + " cnp.additional_info as additionalInfo,"
+                    + " cnp.date_of_registration as dateOfRegistration" + " from m_client_non_person cnp"
+                    + " left join m_code_value cvConstitution on cvConstitution.id = cnp.constitution_cv_id"
+                    + " left join m_code_value cvMainBusinessLine on cvMainBusinessLine.id = cnp.main_business_line_cv_id"
+                    + " where cnp.client_id = ?";
+        }
+
+        @Override
+        public ClientNonPersonData mapRow(final ResultSet rs, final int rowNum) throws SQLException {
+            final Long constitutionId = JdbcSupport.getLong(rs, "constitutionId");
+            final String constitutionValue = rs.getString("constitutionValue");
+            final CodeValueData constitution = CodeValueData.instance(constitutionId, constitutionValue);
+
+            final Long mainBusinessLineId = JdbcSupport.getLong(rs, "mainBusinessLineId");
+            final String mainBusinessLineValue = rs.getString("mainBusinessLineValue");
+            final CodeValueData mainBusinessLine = CodeValueData.instance(mainBusinessLineId, mainBusinessLineValue);
+
+            final String incorpNo = rs.getString("incorpNo");
+            final LocalDate incorpValidityTill = JdbcSupport.getLocalDate(rs, "incorpValidityTill");
+            final String remarks = rs.getString("remarks");
+            final String authorizedSignatory = rs.getString("authorizedSignatory");
+            final String authorizedSignatoryClientIds = rs.getString("authorizedSignatoryClientIds");
+            final String additionalInfo = rs.getString("additionalInfo");
+            final LocalDate dateOfRegistration = JdbcSupport.getLocalDate(rs, "dateOfRegistration");
+
+            return new ClientNonPersonData(constitution, incorpNo, incorpValidityTill, mainBusinessLine, remarks,
+                    authorizedSignatory, additionalInfo, dateOfRegistration, authorizedSignatoryClientIds);
+        }
+    }
+
     @Override
     public Collection<ClientData> retrieveAllForLookup(final String extraCriteria) {
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/client/service/ClientWritePlatformServiceJpaRepositoryImpl.java

@@ -44,6 +44,7 @@ import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.infrastructure.core.domain.ExternalId;
 import org.apache.fineract.infrastructure.core.exception.ErrorHandler;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
 import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
@@ -134,6 +135,8 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
     private final ClientRepository clientJpaRepository;
     private final org.apache.fineract.portfolio.mobilelookup.domain.MobileLookupLogRepository mobileLookupLogRepository;
     private final org.apache.fineract.portfolio.sanctions.domain.SanctionsScreeningLogRepository sanctionsScreeningLogRepository;
+    private final org.apache.fineract.portfolio.sanctions.service.SanctionsScreeningService sanctionsScreeningService;
+    private final org.apache.fineract.portfolio.mobilelookup.service.MobileLookupService mobileLookupService;
     private final CifNumberGenerator cifNumberGenerator;
     private final ClientContactOtpService clientContactOtpService;
     private final ClientChangeNotificationService clientChangeNotificationService;
@@ -156,6 +159,13 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
                 this.clientNonPersonRepository.delete(clientNonPerson);
             }
 
+            // Safely cascade-delete child records that have foreign keys pointing to this client
+            this.jdbcTemplate.update("delete from m_client_identifier where client_id = ?", clientId);
+            this.jdbcTemplate.update("delete from m_family_members where client_id = ?", clientId);
+            this.jdbcTemplate.update("delete from m_client_address where client_id = ?", clientId);
+            this.jdbcTemplate.update("delete from m_address where client_id = ?", clientId);
+            this.jdbcTemplate.update("delete from m_client_kyc where client_id = ?", clientId);
+
             this.clientRepository.delete(client);
             this.clientRepository.flush();
             return new CommandProcessingResultBuilder() //
@@ -611,6 +621,18 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
                 newClient.setScreeningLogId(screeningLogId);
             }
 
+            // UNSC sanctions gate. The UI disables Save & Next on a match, but that is a browser
+            // control only — screen server-side too, so a direct API call cannot onboard a listed
+            // person. The name is cleared only by a false positive the Principal Officer approved.
+            validateNotSanctioned(newClient.getDisplayName());
+
+            // DIP/MNRL gate — same reasoning: dipVerified arrives from the browser and cannot be
+            // trusted on its own. Record the status actually on file alongside it.
+            validateMobileNumberUsable(newClient.getMobileNo(), "mobileNo");
+            validateMobileNumberUsable(newClient.getAlternateMobileNo(), "alternateMobileNo");
+            newClient.setDipStatus(this.mobileLookupService.getLatestStatus(newClient.getMobileNo()));
+            newClient.setAlternateDipStatus(this.mobileLookupService.getLatestStatus(newClient.getAlternateMobileNo()));
+
             // Account Number generation
             this.clientRepository.saveAndFlush(newClient);
             if (StringUtils.isBlank(accountNo)) {
@@ -756,6 +778,8 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
 
             final String authorizedSignatory = this.fromApiJsonHelper
                     .extractStringNamed(ClientApiConstants.authorizedSignatoryParamName, clientNonPersonElement);
+            final String authorizedSignatoryClientIds = this.fromApiJsonHelper
+                    .extractStringNamed(ClientApiConstants.authorizedSignatoryClientIdsParamName, clientNonPersonElement);
             final String additionalInfo = this.fromApiJsonHelper.extractStringNamed(ClientApiConstants.additionalInfoParamName,
                     clientNonPersonElement);
             final LocalDate dateOfRegistration = this.fromApiJsonHelper
@@ -763,7 +787,7 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
 
             final ClientNonPerson newClientNonPerson = ClientNonPerson.createNew(client, clientNonPersonConstitution,
                     clientNonPersonMainBusinessLine, incorpNumber, incorpValidityTill, remarks, authorizedSignatory, additionalInfo,
-                    dateOfRegistration);
+                    dateOfRegistration, authorizedSignatoryClientIds);
 
             this.clientNonPersonRepository.save(newClientNonPerson);
         }
@@ -884,12 +908,18 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
                 oldMobileNoForNotification = oldValue;
                 newMobileNoForNotification = newValue;
                 mobileNoChanged = true;
+                // Replacing the number IS the resolution for a DIP/MNRL hit, so close the open
+                // alert here. Left to the officer as a second manual step it would be forgotten,
+                // and the queue would fill with cases that were in fact already dealt with.
+                closeDipAlertForReplacedNumber(oldValue, newValue, clientId);
             }
 
             if (command.isChangeInStringParameterNamed(ClientApiConstants.alternateMobileNoParamName, clientForUpdate.getAlternateMobileNo())) {
                 final String newValue = command.stringValueOfParameterNamed(ClientApiConstants.alternateMobileNoParamName);
+                final String oldAlternate = clientForUpdate.getAlternateMobileNo();
                 changes.put(ClientApiConstants.alternateMobileNoParamName, newValue);
                 clientForUpdate.setAlternateMobileNo(StringUtils.defaultIfEmpty(newValue, null));
+                closeDipAlertForReplacedNumber(oldAlternate, newValue, clientId);
             }
 
             if (command.isChangeInStringParameterNamed(ClientApiConstants.emailAddressParamName, clientForUpdate.getEmailAddress())) {
@@ -1700,6 +1730,82 @@ public class ClientWritePlatformServiceJpaRepositoryImpl implements ClientWriteP
     /*
      * To become a part of a group, group may have set of criteria to be m et before client can become member of it.
      */
+    /**
+     * Refuses onboarding of a name that hits the UN Security Council consolidated list.
+     *
+     * <p>
+     * Applies equally to individuals and non-individuals — the display name covers both, and the
+     * list itself holds INDIVIDUAL and ENTITY records. The only way past this is a false positive
+     * on the same name that the Principal Officer has approved, which is deliberately a different
+     * person's decision from the officer who reviewed the hit.
+     * </p>
+     */
+    private void validateNotSanctioned(final String displayName) {
+        if (StringUtils.isBlank(displayName)) {
+            return;
+        }
+        if (this.sanctionsScreeningService.hasApprovedFalsePositive(displayName)) {
+            return;
+        }
+        // Non-logging check on purpose — see SanctionsScreeningService#isNameSanctioned.
+        if (this.sanctionsScreeningService.isNameSanctioned(displayName)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.client.sanctions.match",
+                    "'" + displayName + "' matched the UN Security Council Consolidated List. Onboarding is blocked until the "
+                            + "Principal Officer clears the alert.",
+                    displayName);
+        }
+    }
+
+    /**
+     * Refuses a mobile number that the DoT Digital Intelligence Platform flagged, unless an
+     * officer explicitly recorded a decision to proceed with a written reason.
+     *
+     * <p>
+     * A number with no lookup on record passes: DIP verification is enforced in the onboarding
+     * flow, and failing here would block every legacy update that merely touches an old client.
+     * What this stops is the case that matters — a number the DoT has actively flagged being
+     * saved because the browser said it was fine.
+     * </p>
+     */
+    /**
+     * Closes any open DIP/MNRL alert on a number that has just been replaced.
+     *
+     * <p>
+     * For an existing customer a flagged number is resolved by obtaining a new one — at which
+     * point the old alert describes a number the bank no longer uses. Closing it here keeps the
+     * decision queue a list of work actually outstanding rather than a growing pile of cases that
+     * were already handled. Failure is logged, never propagated: the client update itself must
+     * not fail because a bookkeeping row could not be stamped.
+     * </p>
+     */
+    private void closeDipAlertForReplacedNumber(final String oldNumber, final String newNumber, final Long clientId) {
+        if (StringUtils.isBlank(oldNumber) || StringUtils.equals(oldNumber, newNumber)) {
+            return;
+        }
+        try {
+            final String reason = StringUtils.isBlank(newNumber)
+                    ? "Number removed from the client record on resolution of the DIP/MNRL alert."
+                    : "Number replaced with " + newNumber + " on resolution of the DIP/MNRL alert.";
+            this.mobileLookupService.closeOpenAlerts(oldNumber.trim(), clientId, reason);
+        } catch (Exception e) {
+            log.error("Could not close DIP alert for replaced number {} on client {}: {}", oldNumber, clientId,
+                    e.getMessage());
+        }
+    }
+
+    private void validateMobileNumberUsable(final String mobileNo, final String parameter) {
+        if (StringUtils.isBlank(mobileNo)) {
+            return;
+        }
+        if (this.mobileLookupService.isMobileNumberUsable(mobileNo.trim())) {
+            return;
+        }
+        throw new GeneralPlatformDomainRuleException("error.msg.client.mobile.dip.flagged",
+                "Mobile number " + mobileNo + " is flagged on the DoT Digital Intelligence Platform. Record a decision "
+                        + "to proceed, with reasons, before saving this client.",
+                parameter);
+    }
+
     private void validateParentGroupRulesBeforeClientActivation(Client client) {
         Integer minNumberOfClients = configurationDomainService.retrieveMinAllowedClientsInGroup();
         Integer maxNumberOfClients = configurationDomainService.retrieveMaxAllowedClientsInGroup();

fineract-provider/src/main/java/org/apache/fineract/portfolio/dividenddashboard/api/DividendClaimRequestApiResource.java

@@ -0,0 +1,762 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.dividenddashboard.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.DefaultValue;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.NotFoundException;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.sql.Timestamp;
+import java.time.Instant;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.service.CommandWrapperBuilder;
+import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformService;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Maker-checker workflow for a member to claim an unclaimed dividend (see
+ * {@code m_share_dividend_lock}, status {@code UNCLAIMED} -- a "Dividend Payable" GL liability
+ * that was never credited into any savings account). A clerk (maker) records exactly how the
+ * member wants it split when they visit the branch: straight into an overdue loan, credited to
+ * their linked savings account, or handed over as cash -- any combination, any leftover amount
+ * stays {@code UNCLAIMED} for a later visit. A Bank Manager (checker) approves it, which executes
+ * the real disbursement, or rejects it, leaving the unclaimed liability untouched.
+ *
+ * <p>
+ * Disbursement mechanics: a loan-apply or savings-credit leg goes through Fineract's own native
+ * repayment/deposit command (so loan schedules and savings ledgers stay fully native and correct),
+ * which debits whatever GL account is actually configured as that product's Fund Source -- not
+ * necessarily Cash at Main Vault (e.g. a Loan-Against-Warehouse-Receipt product debits its own
+ * "Warehouse Receipt" account instead). Since the money never actually came from that account,
+ * that same DEBIT leg is rewritten in place to Dividend Payable (see
+ * {@code redirectFundSourceDebitToDividendPayable}) rather than reversed with a second manual
+ * entry pair, so the transaction ends up with exactly the entries a real accountant would expect
+ * -- Dividend Payable debited, Loan Portfolio/Income or Savings credited, nothing else touched --
+ * instead of that fund-source account confusingly appearing twice. The cash leg has no account to
+ * post through, so approval
+ * posts a direct manual entry (Dr Dividend Payable / Cr Cash at Main Vault) immediately -- but the
+ * physical hand-over is deferred: the claim's {@code cash_status} becomes
+ * {@code AWAITING_DISBURSEMENT} and the clerk-supplied token number ({@code tok_no}) must be
+ * redeemed by a cashier at Transaction Entry (see {@code getByToken}/{@code disburse} below) before
+ * the money is actually handed over, exactly mirroring {@code ClerkWithdrawalRequestApiResource}'s
+ * submit/approve/disburse token flow for ordinary savings withdrawals.
+ */
+@Path("/v1/clerk/dividend-claim-requests")
+@Component
+@Tag(name = "Dividend Claim Requests", description = "Maker-checker workflow for a member to claim an unclaimed dividend -- split between an overdue loan, savings credit, or cash.")
+@RequiredArgsConstructor
+public class DividendClaimRequestApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final FromJsonHelper fromJsonHelper;
+    private final PlatformSecurityContext context;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final Gson gson = new GsonBuilder().serializeNulls().setDateFormat("yyyy-MM-dd'T'HH:mm:ss").create();
+
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
+    private static final int FINANCIAL_ACTIVITY_CASH_AT_MAINVAULT = 101;
+    private static final int JOURNAL_ENTRY_TYPE_DEBIT = 2;
+
+    private static final String[] LIST_COLUMNS = { "r.id", "r.lock_id", "r.client_id", "c.display_name AS client_name",
+            "r.savings_account_id", "sav.account_no AS savings_account_no", "r.loan_id",
+            "(SELECT account_no FROM m_loan WHERE id = r.loan_id) AS loan_account_no", "r.loan_apply_amount",
+            "r.savings_apply_amount", "r.cash_apply_amount", "r.tok_no", "r.cash_status", "l.amount AS locked_amount",
+            "l.release_due_date", "r.status", "r.clerk_id", "r.clerk_name", "r.manager_id", "r.manager_name", "r.rejection_reason",
+            "r.submitted_at", "r.actioned_at" };
+
+    // ── GET /v1/clerk/dividend-claim-requests/overdue-loans/{clientId} ──────────
+
+    /** Lets the Claim panel show whether this client has an overdue loan to offer paying off. */
+    @GET
+    @Path("/overdue-loans/{clientId}")
+    @Produces(MediaType.APPLICATION_JSON)
+    public String overdueLoans(@PathParam("clientId") final Long clientId) {
+        final List<Map<String, Object>> loans = jdbcTemplate.queryForList("""
+                SELECT ln.id AS loan_id, ln.account_no,
+                       SUM(GREATEST(ri.principal_amount - COALESCE(ri.principal_completed_derived, 0)
+                                    - COALESCE(ri.principal_writtenoff_derived, 0), 0)
+                         + GREATEST(ri.interest_amount - COALESCE(ri.interest_completed_derived, 0)
+                                    - COALESCE(ri.interest_writtenoff_derived, 0) - COALESCE(ri.interest_waived_derived, 0), 0)) AS overdue_amount
+                FROM m_loan ln JOIN m_loan_repayment_schedule ri ON ri.loan_id = ln.id
+                WHERE ln.client_id = ? AND ln.loan_status_id = 300 AND ri.completed_derived = false AND ri.duedate < CURRENT_DATE
+                GROUP BY ln.id, ln.account_no
+                ORDER BY overdue_amount DESC
+                """, clientId);
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> loan : loans) {
+            final JsonObject row = new JsonObject();
+            row.addProperty("loanId", ((Number) loan.get("loan_id")).longValue());
+            row.addProperty("accountNo", (String) loan.get("account_no"));
+            row.addProperty("overdueAmount", (BigDecimal) loan.get("overdue_amount"));
+            result.add(row);
+        }
+        return gson.toJson(result);
+    }
+
+    // ── POST /v1/clerk/dividend-claim-requests ── Clerk records the member's claim ──
+
+    @POST
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Transactional
+    public String submit(final String body) {
+        final AppUser currentUser = context.authenticatedUser();
+        final JsonElement root = fromJsonHelper.parse(body);
+        final Long lockId = fromJsonHelper.extractLongNamed("lockId", root);
+        final Long loanId = fromJsonHelper.extractLongNamed("loanId", root);
+        final Long savingsAccountIdOverride = fromJsonHelper.extractLongNamed("savingsAccountId", root);
+        final BigDecimal loanApplyAmount = parseAmount(fromJsonHelper.extractStringNamed("loanApplyAmount", root));
+        final BigDecimal savingsApplyAmount = parseAmount(fromJsonHelper.extractStringNamed("savingsApplyAmount", root));
+        // Cash can only be handed over in whole-rupee notes/coins (no denomination below ₹1),
+        // while a dividend share often works out to paise -- floor to the nearest rupee (never
+        // trusting the frontend to have already done so) so the denomination breakdown the
+        // cashier counts at disburse time can always match exactly; any leftover paise is simply
+        // not claimed here and stays part of the lock's balance for a future claim.
+        final BigDecimal cashApplyAmount = parseAmount(fromJsonHelper.extractStringNamed("cashApplyAmount", root))
+                .setScale(0, RoundingMode.FLOOR);
+        final String tokNo = fromJsonHelper.extractStringNamed("tokNo", root);
+        if (lockId == null) {
+            throw apiError(400, "lockId is required");
+        }
+
+        final Map<String, Object> lock = jdbcTemplate
+                .queryForList("SELECT client_id, savings_account_id, amount, status FROM m_share_dividend_lock WHERE id = ?", lockId)
+                .stream().findFirst().orElseThrow(() -> apiError(404, "Dividend lock not found: " + lockId));
+        if (!"UNCLAIMED".equals(lock.get("status"))) {
+            throw apiError(409, "This dividend is not currently UNCLAIMED (status: " + lock.get("status") + ")");
+        }
+        final Long clientId = ((Number) lock.get("client_id")).longValue();
+        final BigDecimal unclaimedAmount = (BigDecimal) lock.get("amount");
+        final Object lockSavingsAccountId = lock.get("savings_account_id");
+
+        // The share account isn't required to have a linked savings account up front any more --
+        // if the member wants a savings credit and none is linked, the clerk supplies which
+        // account to credit right here.
+        Long resolvedSavingsAccountId = lockSavingsAccountId != null ? ((Number) lockSavingsAccountId).longValue()
+                : savingsAccountIdOverride;
+        if (savingsApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            if (resolvedSavingsAccountId == null) {
+                throw apiError(400,
+                        "This share account has no linked savings account -- savingsAccountId is required when savingsApplyAmount is greater than zero");
+            }
+            final Long savingsClientId = jdbcTemplate.queryForObject("SELECT client_id FROM m_savings_account WHERE id = ?", Long.class,
+                    resolvedSavingsAccountId);
+            if (savingsClientId == null || !clientId.equals(savingsClientId)) {
+                throw apiError(400, "Savings account " + resolvedSavingsAccountId + " does not belong to this dividend's client");
+            }
+        }
+
+        final BigDecimal total = loanApplyAmount.add(savingsApplyAmount).add(cashApplyAmount);
+        if (total.compareTo(BigDecimal.ZERO) <= 0) {
+            throw apiError(400, "Enter at least one of loanApplyAmount, savingsApplyAmount or cashApplyAmount, greater than zero");
+        }
+        if (total.compareTo(unclaimedAmount) > 0) {
+            throw apiError(400, "Total claimed (" + total + ") cannot exceed the unclaimed dividend amount of " + unclaimedAmount);
+        }
+
+        if (loanApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            if (loanId == null) {
+                throw apiError(400, "loanId is required when loanApplyAmount is greater than zero");
+            }
+            final Map<String, Object> loan = jdbcTemplate
+                    .queryForList("SELECT client_id, loan_status_id FROM m_loan WHERE id = ?", loanId).stream().findFirst()
+                    .orElseThrow(() -> apiError(404, "Loan not found: " + loanId));
+            if (!clientId.equals(((Number) loan.get("client_id")).longValue())) {
+                throw apiError(400, "Loan " + loanId + " does not belong to this dividend's client");
+            }
+            if (((Number) loan.get("loan_status_id")).intValue() != 300) {
+                throw apiError(400, "Loan " + loanId + " is not Active");
+            }
+        }
+
+        if (cashApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            if (tokNo == null || tokNo.isBlank()) {
+                throw apiError(400, "Token number (TOK. NO.) is required when cashApplyAmount is greater than zero");
+            }
+            validateTokenUniqueToday(tokNo, null);
+        }
+
+        final Long existingPending = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_share_dividend_claim_request WHERE lock_id = ? AND status = 'PENDING'", Long.class, lockId);
+        if (existingPending != null && existingPending > 0) {
+            throw apiError(409, "A claim request for this dividend is already pending review.");
+        }
+
+        final Long newId = jdbcTemplate.queryForObject("""
+                INSERT INTO m_share_dividend_claim_request
+                    (lock_id, client_id, savings_account_id, requested_amount, loan_id, loan_apply_amount, savings_apply_amount,
+                     cash_apply_amount, status, clerk_id, clerk_name, submitted_at, tok_no)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, 'PENDING', ?, ?, ?, ?)
+                RETURNING id
+                """, Long.class, lockId, clientId, resolvedSavingsAccountId, total, loanId, loanApplyAmount, savingsApplyAmount,
+                cashApplyAmount, currentUser.getId(), currentUser.getDisplayName(), Timestamp.from(Instant.now()),
+                cashApplyAmount.compareTo(BigDecimal.ZERO) > 0 ? tokNo : null);
+
+        return gson.toJson(Map.of("resourceId", newId, "status", "PENDING"));
+    }
+
+    /**
+     * Ensures the token number is unique for today's date across both this table and
+     * {@code m_clerk_withdrawal_request} -- cashiers type either kind of token into the same
+     * Transaction Entry field, so the two pools must never collide.
+     */
+    private void validateTokenUniqueToday(final String tokNo, final Long excludeId) {
+        final StringBuilder sql = new StringBuilder("SELECT COUNT(*) FROM m_share_dividend_claim_request "
+                + "WHERE tok_no = ? AND CAST(submitted_at AS DATE) = CURRENT_DATE AND status <> 'REJECTED'");
+        final List<Object> params = new ArrayList<>();
+        params.add(tokNo);
+        if (excludeId != null) {
+            sql.append(" AND id <> ?");
+            params.add(excludeId);
+        }
+        final Long ownCount = jdbcTemplate.queryForObject(sql.toString(), Long.class, params.toArray());
+        final Long otherCount = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_clerk_withdrawal_request "
+                + "WHERE tok_no = ? AND CAST(submitted_at AS DATE) = CURRENT_DATE AND status <> 'REJECTED'", Long.class, tokNo);
+        final long total = (ownCount == null ? 0 : ownCount) + (otherCount == null ? 0 : otherCount);
+        if (total > 0) {
+            throw apiError(400, "Token number '" + tokNo + "' is already used today. Please enter a different token number.");
+        }
+    }
+
+    private BigDecimal parseAmount(final String value) {
+        if (value == null || value.isBlank()) {
+            return BigDecimal.ZERO;
+        }
+        try {
+            return new BigDecimal(value.trim());
+        } catch (final NumberFormatException e) {
+            throw apiError(400, "'" + value + "' is not a valid amount");
+        }
+    }
+
+    // ── GET /v1/clerk/dividend-claim-requests ── Manager sees claim requests ────
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String list(@QueryParam("status") @DefaultValue("PENDING") final String status) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("SELECT " + String.join(", ", LIST_COLUMNS) + """
+                 FROM m_share_dividend_claim_request r
+                 JOIN m_client c ON c.id = r.client_id
+                 LEFT JOIN m_savings_account sav ON sav.id = r.savings_account_id
+                 JOIN m_share_dividend_lock l ON l.id = r.lock_id
+                WHERE r.status = ?
+                ORDER BY r.submitted_at ASC
+                """, status);
+
+        for (final Map<String, Object> row : rows) {
+            final Long clientId = ((Number) row.get("client_id")).longValue();
+            row.put("has_overdue_loan", hasOverdueLoan(clientId));
+        }
+        return gson.toJson(rows);
+    }
+
+    private boolean hasOverdueLoan(final Long clientId) {
+        final Long count = jdbcTemplate.queryForObject("""
+                SELECT COUNT(*) FROM m_loan ln JOIN m_loan_repayment_schedule ri ON ri.loan_id = ln.id
+                WHERE ln.client_id = ? AND ln.loan_status_id = 300 AND ri.completed_derived = false AND ri.duedate < CURRENT_DATE
+                """, Long.class, clientId);
+        return count != null && count > 0;
+    }
+
+    // ── POST /v1/clerk/dividend-claim-requests/{id}/approve ── Manager executes the disbursement ──
+
+    @POST
+    @Path("/{id}/approve")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Transactional
+    public String approve(@PathParam("id") final Long id, final String body) {
+        final AppUser currentUser = context.authenticatedUser();
+        validateCheckerRole(currentUser);
+        final Map<String, Object> record = loadRecord(id);
+
+        if (!"PENDING".equals(record.get("status"))) {
+            throw apiError(409, "Only PENDING claim requests can be approved. Current status: " + record.get("status"));
+        }
+        final Long makerId = ((Number) record.get("clerk_id")).longValue();
+        if (makerId.equals(currentUser.getId())) {
+            throw apiError(403, "Maker-checker: you cannot approve a dividend claim you submitted yourself. Ask another manager.");
+        }
+
+        final Long lockId = ((Number) record.get("lock_id")).longValue();
+        final Map<String, Object> lock = jdbcTemplate
+                .queryForList("SELECT currency_code, amount, status FROM m_share_dividend_lock WHERE id = ?", lockId).stream()
+                .findFirst().orElseThrow(() -> apiError(404, "Dividend lock not found: " + lockId));
+        if (!"UNCLAIMED".equals(lock.get("status"))) {
+            throw apiError(409, "This dividend is no longer UNCLAIMED (status: " + lock.get("status") + ")");
+        }
+
+        final String currencyCode = (String) lock.get("currency_code");
+        final BigDecimal unclaimedAmount = (BigDecimal) lock.get("amount");
+        final BigDecimal loanApplyAmount = (BigDecimal) record.get("loan_apply_amount");
+        final BigDecimal savingsApplyAmount = (BigDecimal) record.get("savings_apply_amount");
+        final BigDecimal cashApplyAmount = (BigDecimal) record.get("cash_apply_amount");
+        final BigDecimal total = loanApplyAmount.add(savingsApplyAmount).add(cashApplyAmount);
+        if (total.compareTo(unclaimedAmount) > 0) {
+            throw apiError(409,
+                    "The unclaimed amount has since reduced below what this claim requested -- reject this claim and resubmit.");
+        }
+        final Object claimSavingsAccountId = record.get("savings_account_id");
+        if (savingsApplyAmount.compareTo(BigDecimal.ZERO) > 0 && claimSavingsAccountId == null) {
+            throw apiError(409, "No savings account was recorded on this claim for the savings-credit portion.");
+        }
+
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final String note = "Dividend claim #" + id + " (lock #" + lockId + ")";
+
+        if (loanApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            final Long loanId = ((Number) record.get("loan_id")).longValue();
+            final JsonObject payload = new JsonObject();
+            payload.addProperty("locale", "en");
+            payload.addProperty("dateFormat", "yyyy-MM-dd");
+            payload.addProperty("transactionDate", today.toString());
+            payload.addProperty("transactionAmount", loanApplyAmount);
+            payload.addProperty("note", note);
+            final CommandWrapper repaymentCommand = new CommandWrapperBuilder().loanRepaymentTransaction(loanId)
+                    .withJson(payload.toString()).build();
+            final CommandProcessingResult repaymentResult = commandsSourceWritePlatformService.logCommandSource(repaymentCommand);
+            redirectFundSourceDebitToDividendPayable(repaymentResult.getResourceId(), null);
+        }
+
+        if (savingsApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            final JsonObject payload = new JsonObject();
+            payload.addProperty("locale", "en");
+            payload.addProperty("dateFormat", "yyyy-MM-dd");
+            payload.addProperty("transactionDate", today.toString());
+            payload.addProperty("transactionAmount", savingsApplyAmount);
+            payload.addProperty("note", note);
+            payload.addProperty("paymentTypeId", resolveDividendClaimPaymentTypeId());
+            final Long savingsAccountId = ((Number) claimSavingsAccountId).longValue();
+            final CommandWrapper depositCommand = new CommandWrapperBuilder().savingsAccountDeposit(savingsAccountId)
+                    .withJson(payload.toString()).build();
+            final CommandProcessingResult depositResult = commandsSourceWritePlatformService.logCommandSource(depositCommand);
+            redirectFundSourceDebitToDividendPayable(null, depositResult.getResourceId());
+        }
+
+        if (cashApplyAmount.compareTo(BigDecimal.ZERO) > 0) {
+            payCashFromDividendPayable(id, currencyCode, cashApplyAmount, today);
+        }
+
+        final BigDecimal remainder = unclaimedAmount.subtract(total);
+        if (remainder.compareTo(BigDecimal.ZERO) > 0) {
+            jdbcTemplate.update("UPDATE m_share_dividend_lock SET amount = ?, last_modified_date = now() WHERE id = ?", remainder,
+                    lockId);
+        } else {
+            jdbcTemplate.update("UPDATE m_share_dividend_lock SET status = 'CLAIMED', last_modified_date = now() WHERE id = ?", lockId);
+        }
+
+        final String cashStatus = cashApplyAmount.compareTo(BigDecimal.ZERO) > 0 ? "AWAITING_DISBURSEMENT" : null;
+        jdbcTemplate.update("""
+                UPDATE m_share_dividend_claim_request SET status = 'APPROVED', manager_id = ?, manager_name = ?, actioned_at = ?,
+                       cash_status = ?
+                WHERE id = ? AND status = 'PENDING'
+                """, currentUser.getId(), currentUser.getDisplayName(), Timestamp.from(Instant.now()), cashStatus, id);
+
+        final JsonObject response = new JsonObject();
+        response.addProperty("resourceId", id);
+        response.addProperty("status", "APPROVED");
+        response.addProperty("totalDisbursed", total);
+        response.addProperty("remainingUnclaimed", remainder.max(BigDecimal.ZERO));
+        return gson.toJson(response);
+    }
+
+    // ── GET /v1/clerk/dividend-claim-requests/by-token/{token} ── Cashier token lookup ──
+
+    /**
+     * Mirrors {@code ClerkWithdrawalRequestApiResource.getByToken} -- a cashier at Transaction
+     * Entry types the clerk-supplied token number here to resolve the approved cash amount before
+     * disbursing it, instead of the manager handing over cash directly at approval time.
+     */
+    @GET
+    @Path("/by-token/{token}")
+    @Produces(MediaType.APPLICATION_JSON)
+    public String getByToken(@PathParam("token") final String token) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT r.id, r.client_id, c.display_name AS client_name, r.cash_apply_amount AS amount,
+                       r.tok_no, r.status, r.cash_status, r.submitted_at, r.actioned_at
+                FROM m_share_dividend_claim_request r
+                JOIN m_client c ON c.id = r.client_id
+                WHERE r.tok_no = ? AND CAST(r.submitted_at AS DATE) = CURRENT_DATE
+                ORDER BY r.submitted_at DESC LIMIT 1
+                """, token);
+
+        if (rows.isEmpty()) {
+            throw apiError(404, "Token '" + token + "' not found for today. Please check the token number.");
+        }
+
+        final Map<String, Object> row = rows.get(0);
+        final String status = String.valueOf(row.get("status"));
+        final String cashStatus = row.get("cash_status") == null ? null : String.valueOf(row.get("cash_status"));
+
+        if ("PENDING".equals(status)) {
+            throw apiError(422, "Token '" + token + "' is still PENDING — manager has not approved this claim yet.");
+        }
+        if ("REJECTED".equals(status)) {
+            throw apiError(422, "Token '" + token + "' was REJECTED by the manager. This claim cannot be processed.");
+        }
+        if (!"APPROVED".equals(status)) {
+            throw apiError(422, "Token '" + token + "' has unexpected status: " + status);
+        }
+        if ("DISBURSED".equals(cashStatus)) {
+            throw apiError(422, "Token '" + token + "' has already been withdrawn. Cash was handed over by another cashier.");
+        }
+        if (!"AWAITING_DISBURSEMENT".equals(cashStatus)) {
+            throw apiError(422, "Token '" + token + "' has no cash portion awaiting disbursement.");
+        }
+        return gson.toJson(row);
+    }
+
+    // ── POST /v1/clerk/dividend-claim-requests/{id}/disburse ── Cashier confirms cash hand-over ──
+
+    /**
+     * Mirrors {@code ClerkWithdrawalRequestApiResource.disburse} -- the GL entry already posted at
+     * approve time, so this step is purely a physical-cash-handover record with double-disbursement
+     * protection ({@code WHERE cash_status = 'AWAITING_DISBURSEMENT'}), never a new transaction.
+     */
+    @POST
+    @Path("/{id}/disburse")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Transactional
+    public String disburse(@PathParam("id") final Long id, final String body) {
+        final AppUser currentUser = context.authenticatedUser();
+        final Map<String, Object> record = jdbcTemplate
+                .queryForList("SELECT id, lock_id, client_id, cash_apply_amount, cash_status FROM m_share_dividend_claim_request WHERE id = ?",
+                        id)
+                .stream().findFirst().orElseThrow(() -> new NotFoundException("Dividend claim request not found: " + id));
+
+        final String cashStatus = record.get("cash_status") == null ? null : String.valueOf(record.get("cash_status"));
+        if (!"AWAITING_DISBURSEMENT".equals(cashStatus)) {
+            throw apiError(409, "Only claims AWAITING_DISBURSEMENT can be disbursed. Current cash status: " + cashStatus);
+        }
+
+        String denominationData = null;
+        BigDecimal transactionAmount = null;
+        if (body != null && !body.isBlank()) {
+            final JsonElement root = fromJsonHelper.parse(body);
+            denominationData = fromJsonHelper.extractStringNamed("denominationData", root);
+            transactionAmount = parseAmount(fromJsonHelper.extractStringNamed("transactionAmount", root));
+        }
+        if (transactionAmount == null || transactionAmount.compareTo(BigDecimal.ZERO) <= 0) {
+            throw apiError(400, "transactionAmount is required and must be greater than zero for disbursement.");
+        }
+
+        // cash_apply_amount is floored to whole rupees at submit time now (see submit() above),
+        // but a claim created before that fix may still carry paise -- floor here too so an older
+        // claim can still be disbursed in whole-rupee cash rather than being stuck forever.
+        final BigDecimal cashApplyAmount = (BigDecimal) record.get("cash_apply_amount");
+        final BigDecimal disbursableAmount = cashApplyAmount.setScale(0, RoundingMode.FLOOR);
+        if (disbursableAmount.compareTo(transactionAmount) != 0) {
+            throw apiError(400, "Transaction amount " + transactionAmount + " does not match the claim's disbursable cash amount of "
+                    + disbursableAmount + " (cash can only be handed over in whole rupees).");
+        }
+
+        final long denomTotal = denominationTotal(denominationData);
+        if (denomTotal > 0 && BigDecimal.valueOf(denomTotal).compareTo(transactionAmount) != 0) {
+            throw apiError(400,
+                    "Cash denomination total " + denomTotal + " does not match disbursement amount " + transactionAmount);
+        }
+
+        final int updated = jdbcTemplate.update("""
+                UPDATE m_share_dividend_claim_request SET
+                    cash_status = 'DISBURSED', cashier_id = ?, disbursed_by = ?, disbursement_denomination_data = ?, disbursed_at = ?
+                WHERE id = ? AND cash_status = 'AWAITING_DISBURSEMENT'
+                """, currentUser.getId(), currentUser.getDisplayName(), denominationData, Timestamp.from(Instant.now()), id);
+
+        if (updated == 0) {
+            throw apiError(409, "This dividend cash claim has already been withdrawn by another cashier. Double disbursement prevented.");
+        }
+
+        if (denominationData != null && !denominationData.isBlank()) {
+            final Long clientId = ((Number) record.get("client_id")).longValue();
+            final Long lockId = ((Number) record.get("lock_id")).longValue();
+            saveDisbursementDenomination(id, clientId, lockId, denominationData, currentUser);
+        }
+
+        return gson.toJson(Map.of("resourceId", id, "status", "DISBURSED"));
+    }
+
+    /** Sums a {"note:500": 2, "coin:1": 10} breakdown; 0 when absent or empty. */
+    private long denominationTotal(final String denominationData) {
+        if (denominationData == null || denominationData.isBlank()) {
+            return 0;
+        }
+        final JsonObject denomMap;
+        try {
+            denomMap = gson.fromJson(denominationData, JsonObject.class);
+        } catch (final Exception e) {
+            throw apiError(400, "denominationData is not valid JSON");
+        }
+        if (denomMap == null) {
+            return 0;
+        }
+        long total = 0;
+        for (final Map.Entry<String, JsonElement> entry : denomMap.entrySet()) {
+            final String[] parts = entry.getKey().split(":", 2);
+            if (parts.length != 2) {
+                continue;
+            }
+            final int value;
+            final int count;
+            try {
+                value = Integer.parseInt(parts[1]);
+                count = entry.getValue().getAsInt();
+            } catch (final Exception e) {
+                continue;
+            }
+            if (count > 0) {
+                total += (long) value * count;
+            }
+        }
+        return total;
+    }
+
+    /**
+     * Records the cashier's note/coin breakdown for a dividend cash disbursement into
+     * {@code m_savings_txn_denomination} for vault-position reporting. There is no native savings
+     * transaction backing this (the cash leg is a pure GL entry posted at approve time), so this
+     * claim request's own id is used as the stable txn identifier for grouping.
+     */
+    private void saveDisbursementDenomination(final Long claimRequestId, final Long clientId, final Long lockId,
+            final String denominationData, final AppUser cashier) {
+        final JsonObject denomMap;
+        try {
+            denomMap = gson.fromJson(denominationData, JsonObject.class);
+        } catch (final Exception e) {
+            return;
+        }
+        if (denomMap == null || denomMap.size() == 0) {
+            return;
+        }
+
+        for (final Map.Entry<String, JsonElement> entry : denomMap.entrySet()) {
+            final int count;
+            try {
+                count = entry.getValue().getAsInt();
+            } catch (final Exception e) {
+                continue;
+            }
+            if (count <= 0) {
+                continue;
+            }
+
+            final String[] parts = entry.getKey().split(":", 2);
+            if (parts.length != 2) {
+                continue;
+            }
+            final String kind = parts[0];
+            final int value;
+            try {
+                value = Integer.parseInt(parts[1]);
+            } catch (final Exception e) {
+                continue;
+            }
+
+            final List<Long> ids = jdbcTemplate.queryForList(
+                    "SELECT id FROM m_denomination_master WHERE denomination = ? AND kind = ? AND (deleted IS NULL OR deleted = false) LIMIT 1",
+                    Long.class, value, kind);
+            if (ids.isEmpty()) {
+                continue;
+            }
+            final Long denomId = ids.get(0);
+
+            jdbcTemplate.update("""
+                    INSERT INTO m_savings_txn_denomination
+                    (txn_id, savings_account_id, account_no, client_id, denomination_id,
+                     denomination_value, count, total_amount, txn_date, txn_type, officer_id, officer_username)
+                    VALUES (?, NULL, ?, ?, ?, ?, ?, ?, CURRENT_DATE, 'WITHDRAWAL', ?, ?)
+                    """, claimRequestId, "DIVIDEND-" + lockId, clientId, denomId, value, count,
+                    BigDecimal.valueOf((long) value * count), cashier.getId(), cashier.getUsername());
+        }
+    }
+
+    /**
+     * Fineract's savings deposit command mandates paymentTypeId even for an internal posting with
+     * no real customer payment instrument -- resolves the system-seeded "Dividend Claim
+     * Settlement" payment type (see migration 0464) rather than hardcoding a numeric id, which
+     * would break on any tenant seeded differently.
+     */
+    private Long resolveDividendClaimPaymentTypeId() {
+        final Long paymentTypeId = jdbcTemplate
+                .queryForList("SELECT id FROM m_payment_type WHERE code_name = 'DIVIDEND_CLAIM_SETTLEMENT'", Long.class).stream()
+                .findFirst().orElse(null);
+        if (paymentTypeId == null) {
+            throw apiError(500, "Payment type 'DIVIDEND_CLAIM_SETTLEMENT' is not seeded -- run the latest database migrations.");
+        }
+        return paymentTypeId;
+    }
+
+    /**
+     * The loan repayment / savings deposit command just posted its own native GL entries assuming
+     * the money came out of whichever account is that product's actual Fund Source (not always
+     * literally "Cash at Main Vault" -- e.g. a Loan-Against-Warehouse-Receipt product debits its
+     * own "Warehouse Receipt" account instead) -- it didn't really. Rather than reverse that with
+     * a second manual entry pair (which would leave that fund-source account appearing twice, once
+     * debited then immediately credited back -- a confusing "wash" no real accountant would post),
+     * this rewrites that same DEBIT leg's account in place to Dividend Payable, so the transaction
+     * ends up with exactly the entries a real accountant would expect: Dividend Payable debited,
+     * Loan Portfolio/Income or Savings credited, nothing else touched. Skipped (loan/savings still
+     * updated) if the bank hasn't mapped the Dividend Payable financial activity. Exactly one of
+     * the two ids is non-null per call.
+     */
+    private void redirectFundSourceDebitToDividendPayable(final Long loanTransactionId, final Long savingsTransactionId) {
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+        if (payableDividendsAccountId == null) {
+            return;
+        }
+        if (loanTransactionId != null) {
+            jdbcTemplate.update("UPDATE acc_gl_journal_entry SET account_id = ? WHERE loan_transaction_id = ? AND type_enum = ?",
+                    payableDividendsAccountId, loanTransactionId, JOURNAL_ENTRY_TYPE_DEBIT);
+        }
+        if (savingsTransactionId != null) {
+            jdbcTemplate.update("UPDATE acc_gl_journal_entry SET account_id = ? WHERE savings_transaction_id = ? AND type_enum = ?",
+                    payableDividendsAccountId, savingsTransactionId, JOURNAL_ENTRY_TYPE_DEBIT);
+        }
+    }
+
+    /**
+     * A straight cash handover has no account to post through, so Cash at Main Vault genuinely is
+     * correct here (unlike the loan/savings legs above) -- real cash leaves the vault into the
+     * member's hand.
+     */
+    private void payCashFromDividendPayable(final Long claimRequestId, final String currencyCode, final BigDecimal amount,
+            final LocalDate entryDate) {
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+        final Long cashAtVaultAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_CASH_AT_MAINVAULT)
+                .stream().findFirst().orElse(null);
+        if (payableDividendsAccountId == null || cashAtVaultAccountId == null) {
+            return;
+        }
+
+        final AppUser currentUser = context.authenticatedUser();
+        final java.sql.Date sqlEntryDate = java.sql.Date.valueOf(entryDate);
+        final String transactionId = "DIVCLAIM" + claimRequestId + "-" + System.nanoTime();
+        final String description = "Dividend claim #" + claimRequestId + " disbursed";
+        final String insertSql = """
+                INSERT INTO acc_gl_journal_entry
+                    (account_id, office_id, currency_code, transaction_id, reversed, manual_entry, entry_date, type_enum, amount,
+                     description, created_by, last_modified_by, created_date, lastmodified_date, created_on_utc, last_modified_on_utc,
+                     submitted_on_date, transaction_date)
+                VALUES (?, 1, ?, ?, false, true, ?, ?, ?, ?, ?, ?, now(), now(), now(), now(), ?, ?)
+                """;
+        this.jdbcTemplate.update(insertSql, payableDividendsAccountId, currencyCode, transactionId, sqlEntryDate, 2, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+        this.jdbcTemplate.update(insertSql, cashAtVaultAccountId, currencyCode, transactionId, sqlEntryDate, 1, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+    }
+
+    // ── POST /v1/clerk/dividend-claim-requests/{id}/reject ── Manager rejects ───
+
+    @POST
+    @Path("/{id}/reject")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Transactional
+    public String reject(@PathParam("id") final Long id, final String body) {
+        final AppUser currentUser = context.authenticatedUser();
+        validateCheckerRole(currentUser);
+        final Map<String, Object> record = loadRecord(id);
+
+        if (!"PENDING".equals(record.get("status"))) {
+            throw apiError(409, "Only PENDING claim requests can be rejected. Current status: " + record.get("status"));
+        }
+
+        final JsonElement root = fromJsonHelper.parse(body != null && !body.isBlank() ? body : "{}");
+        final String reason = fromJsonHelper.extractStringNamed("reason", root);
+        if (reason == null || reason.isBlank()) {
+            throw apiError(400, "Rejection reason is required");
+        }
+
+        jdbcTemplate.update("""
+                UPDATE m_share_dividend_claim_request SET
+                    status = 'REJECTED', manager_id = ?, manager_name = ?, rejection_reason = ?, actioned_at = ?
+                WHERE id = ? AND status = 'PENDING'
+                """, currentUser.getId(), currentUser.getDisplayName(), reason, Timestamp.from(Instant.now()), id);
+
+        return gson.toJson(Map.of("resourceId", id, "status", "REJECTED"));
+    }
+
+    private void validateCheckerRole(final AppUser user) {
+        if (user.hasAnyPermission("ALL_FUNCTIONS")) {
+            return;
+        }
+        final boolean isChecker = user.getRoles().stream().map(r -> r.getName() == null ? "" : r.getName().toLowerCase().trim())
+                .anyMatch(n -> n.contains("manager") || n.contains("head cashier"));
+        if (!isChecker) {
+            throw apiError(403, "Only a Bank Manager (or Head Cashier) can approve or reject a dividend claim request.");
+        }
+    }
+
+    private Map<String, Object> loadRecord(final Long id) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT id, lock_id, client_id, savings_account_id, loan_id, loan_apply_amount, savings_apply_amount, cash_apply_amount,
+                       status, clerk_id, clerk_name
+                FROM m_share_dividend_claim_request WHERE id = ?
+                """, id);
+        if (rows.isEmpty()) {
+            throw new NotFoundException("Dividend claim request not found: " + id);
+        }
+        return rows.get(0);
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        final JsonObject errorBody = new JsonObject();
+        errorBody.addProperty("message", message);
+        errorBody.addProperty("defaultUserMessage", message);
+        errorBody.addProperty("httpStatus", httpStatus);
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(errorBody)).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/dividenddashboard/api/DividendDashboardApiResource.java

@@ -0,0 +1,400 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.dividenddashboard.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.WebApplicationException;
+import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
+import java.math.BigDecimal;
+import java.sql.Timestamp;
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.service.CommandWrapperBuilder;
+import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformService;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Bank Manager's Dividend Dashboard: summary stats, every dividend ever declared and its payout
+ * progress, full 3-year lock history, and members whose unclaimed dividend (see
+ * {@code m_share_dividend_lock}) sits alongside an overdue loan installment so the manager can
+ * proactively apply it towards that EMI instead of waiting for the member to claim it or for it
+ * to be forfeited to profit after 3 years.
+ */
+@Path("/v1/clerk/dividend-dashboard")
+@Component
+@Tag(name = "Dividend Dashboard", description = "Bank Manager view of locked share dividends belonging to members with overdue loan EMIs, with an action to apply the dividend towards the loan.")
+@RequiredArgsConstructor
+public class DividendDashboardApiResource {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final FromJsonHelper fromJsonHelper;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final Gson gson = new GsonBuilder().serializeNulls().setDateFormat("yyyy-MM-dd'T'HH:mm:ss").create();
+
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
+    private static final int JOURNAL_ENTRY_TYPE_DEBIT = 2;
+
+    private static final int DIVIDEND_PAYOUT_STATUS_PENDING_APPROVAL = 100;
+    private static final int DIVIDEND_PAYOUT_STATUS_APPROVED = 300;
+
+    // ── GET /v1/clerk/dividend-dashboard/summary ─────────────────────────────────
+
+    @GET
+    @Path("/summary")
+    @Produces(MediaType.APPLICATION_JSON)
+    public String summary() {
+        final Map<String, Object> declarationStats = jdbcTemplate.queryForMap("""
+                SELECT COUNT(*) AS total_declarations,
+                       COUNT(*) FILTER (WHERE status = %d) AS pending_approval_declarations,
+                       COUNT(*) FILTER (WHERE status = %d) AS approved_declarations
+                FROM m_share_product_dividend_pay_out
+                """.formatted(DIVIDEND_PAYOUT_STATUS_PENDING_APPROVAL, DIVIDEND_PAYOUT_STATUS_APPROVED));
+
+        // Approval and disbursement now happen atomically (see
+        // ShareProductWritePlatformServiceJpaRepositoryImpl.makeDividendsClaimable) -- there's no
+        // more "posted vs pending vs failed" spread to track at the detail level once approved.
+        final Map<String, Object> detailStats = jdbcTemplate.queryForMap("""
+                SELECT COUNT(DISTINCT sa.client_id) AS members_affected,
+                       COUNT(sad.id) AS total_member_dividends,
+                       COALESCE(SUM(sad.amount), 0) AS total_amount
+                FROM m_share_account_dividend_details sad
+                JOIN m_share_account sa ON sa.id = sad.account_id
+                """);
+
+        final Map<String, Object> lockStats = jdbcTemplate.queryForMap("""
+                SELECT COUNT(*) FILTER (WHERE status = 'UNCLAIMED') AS locked_count,
+                       COALESCE(SUM(amount) FILTER (WHERE status = 'UNCLAIMED'), 0) AS locked_amount,
+                       COUNT(*) FILTER (WHERE status = 'CLAIMED' AND applied_loan_id IS NOT NULL) AS applied_count,
+                       COALESCE(SUM(amount) FILTER (WHERE status = 'CLAIMED' AND applied_loan_id IS NOT NULL), 0) AS applied_amount,
+                       COUNT(*) FILTER (WHERE status = 'FORFEITED') AS forfeited_count,
+                       COALESCE(SUM(amount) FILTER (WHERE status = 'FORFEITED'), 0) AS forfeited_amount,
+                       COUNT(*) FILTER (WHERE status = 'CLAIMED') AS claimed_count,
+                       COALESCE(SUM(amount) FILTER (WHERE status = 'CLAIMED'), 0) AS claimed_amount
+                FROM m_share_dividend_lock
+                """);
+
+        final JsonObject result = new JsonObject();
+        result.addProperty("totalDeclarations", ((Number) declarationStats.get("total_declarations")).longValue());
+        result.addProperty("pendingApprovalDeclarations",
+                ((Number) declarationStats.get("pending_approval_declarations")).longValue());
+        result.addProperty("approvedDeclarations", ((Number) declarationStats.get("approved_declarations")).longValue());
+        result.addProperty("membersAffected", ((Number) detailStats.get("members_affected")).longValue());
+        result.addProperty("totalMemberDividends", ((Number) detailStats.get("total_member_dividends")).longValue());
+        result.addProperty("totalAmount", (BigDecimal) detailStats.get("total_amount"));
+        result.addProperty("lockedCount", ((Number) lockStats.get("locked_count")).longValue());
+        result.addProperty("lockedAmount", (BigDecimal) lockStats.get("locked_amount"));
+        result.addProperty("appliedToLoanCount", ((Number) lockStats.get("applied_count")).longValue());
+        result.addProperty("appliedToLoanAmount", (BigDecimal) lockStats.get("applied_amount"));
+        result.addProperty("forfeitedCount", ((Number) lockStats.get("forfeited_count")).longValue());
+        result.addProperty("forfeitedAmount", (BigDecimal) lockStats.get("forfeited_amount"));
+        result.addProperty("claimedCount", ((Number) lockStats.get("claimed_count")).longValue());
+        result.addProperty("claimedAmount", (BigDecimal) lockStats.get("claimed_amount"));
+        return gson.toJson(result);
+    }
+
+    // ── GET /v1/clerk/dividend-dashboard/declarations ────────────────────────────
+
+    /**
+     * Every dividend ever declared (across every share product), so a manager tracking multiple
+     * dividends at once can see -- per declaration -- how many members it covers and how far its
+     * payout has actually progressed, not just whether it was approved.
+     */
+    @GET
+    @Path("/declarations")
+    @Produces(MediaType.APPLICATION_JSON)
+    public String declarations() {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT spd.id AS declaration_id, sp.name AS product_name,
+                       spd.dividend_period_start_date, spd.dividend_period_end_date, spd.amount AS declared_amount,
+                       spd.status AS declaration_status, spd.created_date, spd.lastmodified_date AS approved_on,
+                       COUNT(sad.id) AS total_members,
+                       COALESCE(SUM(sad.amount), 0) AS total_distributed_amount
+                FROM m_share_product_dividend_pay_out spd
+                JOIN m_share_product sp ON sp.id = spd.product_id
+                LEFT JOIN m_share_account_dividend_details sad ON sad.dividend_pay_out_id = spd.id
+                GROUP BY spd.id, sp.name, spd.dividend_period_start_date, spd.dividend_period_end_date,
+                         spd.amount, spd.status, spd.created_date, spd.lastmodified_date
+                ORDER BY spd.created_date DESC
+                """);
+
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> row : rows) {
+            final int declarationStatus = ((Number) row.get("declaration_status")).intValue();
+            final Timestamp approvedOn = (Timestamp) row.get("approved_on");
+            final boolean isApproved = declarationStatus == DIVIDEND_PAYOUT_STATUS_APPROVED;
+
+            final JsonObject entry = new JsonObject();
+            entry.addProperty("declarationId", ((Number) row.get("declaration_id")).longValue());
+            entry.addProperty("productName", (String) row.get("product_name"));
+            entry.addProperty("periodStartDate", row.get("dividend_period_start_date").toString());
+            entry.addProperty("periodEndDate", row.get("dividend_period_end_date").toString());
+            entry.addProperty("declaredAmount", (BigDecimal) row.get("declared_amount"));
+            entry.addProperty("totalDistributedAmount", (BigDecimal) row.get("total_distributed_amount"));
+            entry.addProperty("createdDate", row.get("created_date").toString());
+            entry.addProperty("approvedOn", approvedOn == null ? null : approvedOn.toString());
+            entry.addProperty("totalMembers", ((Number) row.get("total_members")).longValue());
+            entry.addProperty("status", isApproved ? "APPROVED" : "PENDING_APPROVAL");
+            result.add(entry);
+        }
+        return gson.toJson(result);
+    }
+
+    // ── GET /v1/clerk/dividend-dashboard/locks ───────────────────────────────────
+
+    /**
+     * Full history of every 3-year dividend lock, regardless of status -- UNCLAIMED (still
+     * counting down), CLAIMED (a member claimed it, or a manager applied it to an overdue loan --
+     * see {@code applied_loan_id}) or FORFEITED (3 years passed unclaimed, swept to the bank's
+     * profit). Optional {@code status} query param filters to one.
+     */
+    @GET
+    @Path("/locks")
+    @Produces(MediaType.APPLICATION_JSON)
+    public String locks(@QueryParam("status") final String status) {
+        final boolean filterByStatus = status != null && !status.isBlank() && !"ALL".equalsIgnoreCase(status);
+        final String sql = "SELECT l.id AS lock_id, l.client_id, c.display_name AS client_name, l.savings_account_id, "
+                + "sav.account_no AS savings_account_no, l.amount, l.locked_date, l.release_due_date, l.status, "
+                + "l.applied_loan_id, ln.account_no AS applied_loan_account_no " //
+                + "FROM m_share_dividend_lock l " //
+                + "JOIN m_client c ON c.id = l.client_id " //
+                + "LEFT JOIN m_savings_account sav ON sav.id = l.savings_account_id " //
+                + "LEFT JOIN m_loan ln ON ln.id = l.applied_loan_id " //
+                + (filterByStatus ? "WHERE l.status = ? " : "") //
+                + "ORDER BY l.locked_date DESC";
+        final List<Map<String, Object>> rows = filterByStatus ? jdbcTemplate.queryForList(sql, status.toUpperCase())
+                : jdbcTemplate.queryForList(sql);
+
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> row : rows) {
+            final JsonObject entry = new JsonObject();
+            entry.addProperty("lockId", ((Number) row.get("lock_id")).longValue());
+            entry.addProperty("clientId", ((Number) row.get("client_id")).longValue());
+            entry.addProperty("clientName", (String) row.get("client_name"));
+            final Object savingsAccountId = row.get("savings_account_id");
+            entry.addProperty("savingsAccountId", savingsAccountId == null ? null : ((Number) savingsAccountId).longValue());
+            entry.addProperty("savingsAccountNo", (String) row.get("savings_account_no"));
+            entry.addProperty("amount", (BigDecimal) row.get("amount"));
+            entry.addProperty("lockedDate", row.get("locked_date").toString());
+            entry.addProperty("releaseDueDate", row.get("release_due_date").toString());
+            entry.addProperty("status", (String) row.get("status"));
+            final Object appliedLoanId = row.get("applied_loan_id");
+            entry.addProperty("appliedLoanId", appliedLoanId == null ? null : ((Number) appliedLoanId).longValue());
+            entry.addProperty("appliedLoanAccountNo", (String) row.get("applied_loan_account_no"));
+            result.add(entry);
+        }
+        return gson.toJson(result);
+    }
+
+    // ── GET /v1/clerk/dividend-dashboard ─────────────────────────────────────────
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String list() {
+        final List<Map<String, Object>> locks = jdbcTemplate.queryForList("""
+                SELECT l.id AS lock_id, l.client_id, c.display_name AS client_name, l.savings_account_id, l.amount AS locked_amount,
+                       l.locked_date, l.release_due_date
+                FROM m_share_dividend_lock l
+                JOIN m_client c ON c.id = l.client_id
+                WHERE l.status = 'UNCLAIMED'
+                  AND EXISTS (
+                      SELECT 1 FROM m_loan ln JOIN m_loan_repayment_schedule ri ON ri.loan_id = ln.id
+                      WHERE ln.client_id = l.client_id AND ln.loan_status_id = 300
+                        AND ri.completed_derived = false AND ri.duedate < CURRENT_DATE
+                  )
+                ORDER BY l.locked_date ASC
+                """);
+
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> lock : locks) {
+            final Long clientId = ((Number) lock.get("client_id")).longValue();
+            final JsonObject row = new JsonObject();
+            row.addProperty("lockId", ((Number) lock.get("lock_id")).longValue());
+            row.addProperty("clientId", clientId);
+            row.addProperty("clientName", (String) lock.get("client_name"));
+            final Object savingsAccountId = lock.get("savings_account_id");
+            row.addProperty("savingsAccountId", savingsAccountId == null ? null : ((Number) savingsAccountId).longValue());
+            row.addProperty("lockedAmount", (BigDecimal) lock.get("locked_amount"));
+            row.addProperty("lockedDate", lock.get("locked_date").toString());
+            row.addProperty("releaseDueDate", lock.get("release_due_date").toString());
+            row.add("overdueLoans", overdueLoansFor(clientId));
+            result.add(row);
+        }
+        return gson.toJson(result);
+    }
+
+    private JsonArray overdueLoansFor(final Long clientId) {
+        final List<Map<String, Object>> loans = jdbcTemplate.queryForList("""
+                SELECT ln.id AS loan_id, ln.account_no,
+                       SUM(GREATEST(ri.principal_amount - COALESCE(ri.principal_completed_derived, 0)
+                                    - COALESCE(ri.principal_writtenoff_derived, 0), 0)
+                         + GREATEST(ri.interest_amount - COALESCE(ri.interest_completed_derived, 0)
+                                    - COALESCE(ri.interest_writtenoff_derived, 0) - COALESCE(ri.interest_waived_derived, 0), 0)) AS overdue_amount
+                FROM m_loan ln JOIN m_loan_repayment_schedule ri ON ri.loan_id = ln.id
+                WHERE ln.client_id = ? AND ln.loan_status_id = 300 AND ri.completed_derived = false AND ri.duedate < CURRENT_DATE
+                GROUP BY ln.id, ln.account_no
+                ORDER BY overdue_amount DESC
+                """, clientId);
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> loan : loans) {
+            final JsonObject row = new JsonObject();
+            row.addProperty("loanId", ((Number) loan.get("loan_id")).longValue());
+            row.addProperty("accountNo", (String) loan.get("account_no"));
+            row.addProperty("overdueAmount", (BigDecimal) loan.get("overdue_amount"));
+            result.add(row);
+        }
+        return result;
+    }
+
+    // ── POST /v1/clerk/dividend-dashboard/{lockId}/apply-to-loan ────────────────
+
+    /**
+     * Proactive recovery: a manager notices a member with an unclaimed dividend AND an overdue
+     * loan EMI (see {@code list()} above) and applies it without waiting for the member to visit
+     * and file a claim. Since the dividend was never credited into any savings account (it's a
+     * pure "Dividend Payable" GL liability until claimed -- see
+     * {@code DividendClaimRequestApiResource}), there's no hold to release or account-transfer to
+     * make: this posts a native loan repayment (so the loan's own schedule/state stays fully
+     * native and correct) and then redirects the debit leg it assumed the cash came from to the
+     * Dividend Payable liability instead -- identical mechanic to a claim's loan leg.
+     */
+    @POST
+    @Path("/{lockId}/apply-to-loan")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Transactional
+    public String applyToLoan(@PathParam("lockId") final Long lockId, final String body) {
+        final Map<String, Object> lock = jdbcTemplate
+                .queryForList("SELECT client_id, currency_code, amount, status FROM m_share_dividend_lock WHERE id = ?", lockId).stream()
+                .findFirst().orElseThrow(() -> apiError(404, "Dividend lock not found: " + lockId));
+        if (!"UNCLAIMED".equals(lock.get("status"))) {
+            throw apiError(409, "This dividend is not currently UNCLAIMED (status: " + lock.get("status") + ")");
+        }
+        final Long clientId = ((Number) lock.get("client_id")).longValue();
+        final BigDecimal unclaimedAmount = (BigDecimal) lock.get("amount");
+
+        final JsonElement root = fromJsonHelper.parse(body);
+        final Long loanId = fromJsonHelper.extractLongNamed("loanId", root);
+        final String amountString = fromJsonHelper.extractStringNamed("amount", root);
+        if (loanId == null) {
+            throw apiError(400, "loanId is required");
+        }
+        BigDecimal applyAmount;
+        try {
+            applyAmount = amountString == null ? null : new BigDecimal(amountString.trim());
+        } catch (final NumberFormatException e) {
+            throw apiError(400, "amount must be a valid number");
+        }
+        if (applyAmount == null || applyAmount.compareTo(BigDecimal.ZERO) <= 0) {
+            throw apiError(400, "amount must be greater than zero");
+        }
+        if (applyAmount.compareTo(unclaimedAmount) > 0) {
+            throw apiError(400, "amount cannot exceed the unclaimed dividend amount of " + unclaimedAmount);
+        }
+        final Map<String, Object> loan = jdbcTemplate.queryForList("SELECT client_id, loan_status_id FROM m_loan WHERE id = ?", loanId)
+                .stream().findFirst().orElseThrow(() -> apiError(404, "Loan not found: " + loanId));
+        if (!clientId.equals(((Number) loan.get("client_id")).longValue())) {
+            throw apiError(400, "Loan " + loanId + " does not belong to this dividend's client");
+        }
+
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+
+        final JsonObject payload = new JsonObject();
+        payload.addProperty("locale", "en");
+        payload.addProperty("dateFormat", "yyyy-MM-dd");
+        payload.addProperty("transactionDate", today.toString());
+        payload.addProperty("transactionAmount", applyAmount);
+        payload.addProperty("note", "Unclaimed share dividend applied to overdue loan EMI (lock #" + lockId + ")");
+        final CommandWrapper repaymentCommand = new CommandWrapperBuilder().loanRepaymentTransaction(loanId)
+                .withJson(payload.toString()).build();
+        final CommandProcessingResult repaymentResult = commandsSourceWritePlatformService.logCommandSource(repaymentCommand);
+        redirectFundSourceDebitToDividendPayable(repaymentResult.getResourceId());
+
+        final BigDecimal remainder = unclaimedAmount.subtract(applyAmount);
+        if (remainder.compareTo(BigDecimal.ZERO) > 0) {
+            jdbcTemplate.update("UPDATE m_share_dividend_lock SET amount = ?, last_modified_date = now() WHERE id = ?", remainder,
+                    lockId);
+        } else {
+            jdbcTemplate.update("""
+                    UPDATE m_share_dividend_lock
+                    SET status = 'CLAIMED', applied_loan_id = ?, applied_transaction_id = ?, last_modified_date = now()
+                    WHERE id = ?
+                    """, loanId, repaymentResult.getResourceId(), lockId);
+        }
+
+        final JsonObject response = new JsonObject();
+        response.addProperty("lockId", lockId);
+        response.addProperty("appliedAmount", applyAmount);
+        response.addProperty("remainingUnclaimed", remainder.max(BigDecimal.ZERO));
+        return gson.toJson(response);
+    }
+
+    /**
+     * The loan repayment just posted above assumed the money came out of whichever account is
+     * this loan product's actual Fund Source (not always literally "Cash at Main Vault" -- e.g. a
+     * Loan-Against-Warehouse-Receipt product debits its own "Warehouse Receipt" account instead)
+     * -- it didn't really. Rather than reverse that with a second manual entry pair (which would
+     * leave that fund-source account appearing twice, once debited then immediately credited back
+     * -- a confusing "wash" no real accountant would post), this rewrites that same DEBIT leg's
+     * account in place to Dividend Payable, so the transaction ends up with exactly the entries a
+     * real accountant would expect: Dividend Payable debited, Loan Portfolio/Income credited,
+     * nothing else touched. Skipped (loan still updated) if the bank hasn't mapped the Dividend
+     * Payable financial activity.
+     */
+    private void redirectFundSourceDebitToDividendPayable(final Long loanTransactionId) {
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+        if (payableDividendsAccountId == null) {
+            return;
+        }
+        jdbcTemplate.update("UPDATE acc_gl_journal_entry SET account_id = ? WHERE loan_transaction_id = ? AND type_enum = ?",
+                payableDividendsAccountId, loanTransactionId, JOURNAL_ENTRY_TYPE_DEBIT);
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        final JsonObject errorBody = new JsonObject();
+        errorBody.addProperty("message", message);
+        errorBody.addProperty("defaultUserMessage", message);
+        errorBody.addProperty("httpStatus", httpStatus);
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(gson.toJson(errorBody)).type(MediaType.APPLICATION_JSON).build());
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/dividenddashboard/api/PendingDividendsApiResource.java

@@ -0,0 +1,86 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.dividenddashboard.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonObject;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.math.BigDecimal;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Every Share Product's dividend declaration that is still awaiting approval — Fineract only
+ * exposes dividends scoped to one product at a time
+ * ({@code GET /shareproduct/{productId}/dividend}), so a Bank Manager has no single place to see
+ * "everything currently waiting on me" across products. This aggregates all
+ * {@code m_share_product_dividend_pay_out} rows still INITIATED so they can be surfaced on the
+ * Approval Center (Checker Inbox) alongside the other maker-checker request types. Approval
+ * itself still goes through Fineract's native {@code approveDividend} command from the
+ * frontend — this resource only covers the missing cross-product listing.
+ */
+@Path("/v1/clerk/pending-dividends")
+@Component
+@Tag(name = "Pending Dividends", description = "Dividend declarations awaiting approval, across all Share Products.")
+@RequiredArgsConstructor
+public class PendingDividendsApiResource {
+
+    private static final int DIVIDEND_PAYOUT_STATUS_INITIATED = 100;
+
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().setDateFormat("yyyy-MM-dd'T'HH:mm:ss").create();
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    public String list() {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT p.id AS dividend_id, p.product_id, sp.name AS product_name, p.amount,
+                       p.dividend_period_start_date, p.dividend_period_end_date, p.created_date,
+                       (SELECT COUNT(*) FROM m_share_account_dividend_details d WHERE d.dividend_pay_out_id = p.id) AS member_count
+                FROM m_share_product_dividend_pay_out p
+                JOIN m_share_product sp ON sp.id = p.product_id
+                WHERE p.status = ?
+                ORDER BY p.created_date ASC
+                """, DIVIDEND_PAYOUT_STATUS_INITIATED);
+
+        final JsonArray result = new JsonArray();
+        for (final Map<String, Object> row : rows) {
+            final JsonObject entry = new JsonObject();
+            entry.addProperty("dividendId", ((Number) row.get("dividend_id")).longValue());
+            entry.addProperty("productId", ((Number) row.get("product_id")).longValue());
+            entry.addProperty("productName", (String) row.get("product_name"));
+            entry.addProperty("amount", (BigDecimal) row.get("amount"));
+            entry.addProperty("dividendPeriodStartDate", row.get("dividend_period_start_date").toString());
+            entry.addProperty("dividendPeriodEndDate", row.get("dividend_period_end_date").toString());
+            entry.addProperty("declaredOn", row.get("created_date") == null ? null : row.get("created_date").toString());
+            entry.addProperty("memberCount", ((Number) row.get("member_count")).intValue());
+            result.add(entry);
+        }
+        return gson.toJson(result);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/api/LoanOriginationPipelineApiResource.java

@@ -0,0 +1,277 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.PUT;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationPipelineService;
+import org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationStageService;
+import org.springframework.stereotype.Component;
+
+/**
+ * REST endpoints for the Loan Origination Pipeline — the sanctioning workflow an application walks
+ * through before a real loan account is ever opened (Application → KYC/OVD → CIC Credit Bureau Check
+ * → Field Investigation → Personal Discussion → Credit Committee → Risk Approval → Legal Approval →
+ * Customer Signing → Cheque/ACH → Post-Disbursement Check → Disbursed).
+ *
+ * <pre>
+ *   GET  /v1/loan-origination/applications                    – list (optional branchCode/stage/status filters)
+ *   GET  /v1/loan-origination/applications/{applicationNo}    – one application, in full
+ *   POST /v1/loan-origination/applications                    – create from the New Application wizard
+ *   PUT  /v1/loan-origination/applications/{applicationNo}    – save the whole application back
+ *   POST /v1/loan-origination/applications/seed               – one-time seed; no-ops if already seeded
+ * </pre>
+ *
+ * <p>
+ * Requests/responses are the application object verbatim, so the request body is passed straight
+ * through as JSON rather than being bound to a DTO. A DTO would have to mirror all ~111 workflow
+ * fields and would silently drop any field it had not been updated to know about — the exact failure
+ * this module has to avoid, since the workflow gains fields regularly.
+ *
+ * <p>
+ * Authorisation is a normal authenticated staff session. These endpoints deliberately do not define
+ * their own permission codes: the pipeline is the sanctioning process for lending, so it is gated by
+ * the same authenticated-staff check the rest of the loan screens use, and per-stage authority
+ * (who may sit on the Credit Committee, who signs off Risk/Legal) is a workflow concern enforced on
+ * the application record itself, not a Fineract entity permission.
+ */
+@Path("/v1/loan-origination/applications")
+@Component
+@Tag(name = "Loan Origination Pipeline",
+        description = "Pre-disbursement sanctioning workflow: KYC/OVD, CIC credit bureau check, Field Investigation, "
+                + "Personal Discussion, Credit Committee, Risk & Legal approval, signing and disbursement.")
+@RequiredArgsConstructor
+public class LoanOriginationPipelineApiResource {
+
+    private final PlatformSecurityContext context;
+    private final LoanOriginationPipelineService service;
+    private final LoanOriginationStageService stageService;
+
+    @GET
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "List loan origination applications",
+            description = "Newest first. Filters are optional — the Pipeline screen also filters client-side.")
+    public String retrieveAll(@QueryParam("branchCode") final String branchCode, @QueryParam("stage") final String stage,
+            @QueryParam("status") final String status) {
+        this.context.authenticatedUser();
+        return this.service.findAllAsJson(branchCode, stage, status);
+    }
+
+    @GET
+    @Path("{applicationNo}")
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Retrieve one loan origination application in full")
+    public String retrieveOne(@PathParam("applicationNo") final String applicationNo) {
+        this.context.authenticatedUser();
+        return this.service.findOneAsJson(applicationNo);
+    }
+
+    @POST
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Create a loan origination application",
+            description = "Body is the application object as built by the New Application wizard.")
+    public String create(final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.service.create(apiRequestBodyAsJson);
+    }
+
+    @PUT
+    @Path("{applicationNo}")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Save a loan origination application",
+            description = "Full-object save: the body replaces the stored application, its stage history, "
+                    + "approvals, field-investigation checks and document checklists.")
+    public String save(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.service.save(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("seed")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Seed the pipeline once",
+            description = "Inserts the supplied applications only when the pipeline is empty, so reloading the "
+                    + "frontend cannot duplicate the book. Returns the number actually inserted.")
+    public String seed(final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return "{\"seeded\":" + this.service.seed(apiRequestBodyAsJson) + "}";
+    }
+
+    // ─────────────────────────────────────────────────────────────────────────
+    // Per-stage transitions.
+    //
+    // Each of these takes only its own step's inputs (who acted, remarks, a resolution number) and
+    // lets the server validate the stage's prerequisites against the stored record before applying
+    // the change. The full-object PUT above still exists for inline field edits; these exist because
+    // a sanctioning decision should not be something a caller can simply assert. Every one returns
+    // the updated application, so the client replaces its copy rather than guessing the result.
+    // ─────────────────────────────────────────────────────────────────────────
+
+    @POST
+    @Path("{applicationNo}/kyc-complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete KYC & Document Collection",
+            description = "Requires Aadhaar/PAN verified, income proof, bank statement and address proof submitted, "
+                    + "income assessed, and every product-specific document submitted.")
+    public String completeKyc(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeKyc(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/cic-complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete the CIC / credit bureau check",
+            description = "Requires the borrower's signed consent, the collected bureau charge and an uploaded report.")
+    public String completeCicCheck(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeCicCheck(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/{checkKey}/verify")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Mark one field investigation check verified",
+            description = "Requires an assigned officer, GPS coordinates and at least one site photograph "
+                    + "to already be recorded against the visit.")
+    public String verifyFieldCheck(@PathParam("applicationNo") final String applicationNo,
+            @PathParam("checkKey") final String checkKey, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.verifyFieldCheck(applicationNo, checkKey, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/{checkKey}/reject")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Mark one field investigation check failed", description = "A reason is mandatory.")
+    public String rejectFieldCheck(@PathParam("applicationNo") final String applicationNo,
+            @PathParam("checkKey") final String checkKey, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.rejectFieldCheck(applicationNo, checkKey, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/field-investigation/complete")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Complete Field Investigation",
+            description = "Requires every applicable check (address, office, plus property when secured and shop "
+                    + "when the applicant runs one) to be verified.")
+    public String completeFieldInvestigation(@PathParam("applicationNo") final String applicationNo,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.completeFieldInvestigation(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/clear")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Clear the personal discussion and proceed")
+    public String clearPersonalDiscussion(@PathParam("applicationNo") final String applicationNo,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.clearPersonalDiscussion(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/flag")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Flag a discrepancy and hold the application",
+            description = "A discrepancy type and notes are both mandatory.")
+    public String flagDiscrepancy(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.flagDiscrepancy(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/personal-discussion/resolve")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Resolve a held discrepancy and proceed")
+    public String resolveDiscrepancy(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.resolveDiscrepancy(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/approvals/{field}")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Record an approval decision",
+            description = "`field` is one of creditCommitteeApproval, riskApproval, legalApproval, postCheckApproval. "
+                    + "An APPROVED decision is checked against that stage's own checklist — the Credit Committee also "
+                    + "requires a resolution number and date. A REJECTED decision is always permitted.")
+    public String decideApproval(@PathParam("applicationNo") final String applicationNo, @PathParam("field") final String field,
+            final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.decideApproval(applicationNo, field, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/signing")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Record the customer's signing of the loan agreement")
+    public String markSigned(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.markSigned(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/cheque-ach")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Confirm security cheques received and ACH mandate signed")
+    public String confirmChequeAch(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.confirmChequeAch(applicationNo, apiRequestBodyAsJson);
+    }
+
+    @POST
+    @Path("{applicationNo}/disburse")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    @Operation(summary = "Disburse the loan",
+            description = "Requires all four approval levels to stand as approved and the customer to have signed. "
+                    + "Optionally records the real Fineract loan account created at disbursement.")
+    public String disburse(@PathParam("applicationNo") final String applicationNo, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser();
+        return this.stageService.disburse(applicationNo, apiRequestBodyAsJson);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationJson.java

@@ -0,0 +1,138 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+
+/**
+ * Null-safe accessors for the loan origination application object.
+ *
+ * <p>
+ * The application is handled as JSON rather than a typed entity (see
+ * {@link LoanOriginationPipelineService} for why), so every read has to tolerate a key being absent,
+ * explicitly null, or the wrong JSON type — an older application stored before a field existed is a
+ * normal, expected case, not an error. These helpers turn all three into a sensible default so no
+ * caller has to repeat the checks.
+ */
+public final class LoanOriginationJson {
+
+    private LoanOriginationJson() {}
+
+    public static JsonObject parseObject(final String body) {
+        if (body == null || body.isBlank()) {
+            // An action with no inputs (e.g. "mark signed") legitimately posts an empty body.
+            return new JsonObject();
+        }
+        final JsonElement parsed = JsonParser.parseString(body);
+        if (!parsed.isJsonObject()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.body.invalid",
+                    "Request body must be a JSON object.");
+        }
+        return parsed.getAsJsonObject();
+    }
+
+    public static boolean present(final JsonObject obj, final String key) {
+        return obj != null && obj.has(key) && !obj.get(key).isJsonNull();
+    }
+
+    public static String str(final JsonObject obj, final String key) {
+        return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsString() : null;
+    }
+
+    /** Trimmed value, or the fallback when absent/blank. */
+    public static String strOr(final JsonObject obj, final String key, final String fallback) {
+        final String value = str(obj, key);
+        return value == null || value.isBlank() ? fallback : value.trim();
+    }
+
+    /**
+     * True when a field holds real content. Treats the {@code '—'} em-dash as empty: the workflow uses
+     * it as a "nothing recorded yet" placeholder throughout, so a check for "has this been filled in"
+     * has to reject it or every blank field would read as populated.
+     */
+    public static boolean filled(final JsonObject obj, final String key) {
+        final String value = str(obj, key);
+        return value != null && !value.trim().isEmpty() && !"—".equals(value.trim());
+    }
+
+    public static Long lng(final JsonObject obj, final String key) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsLong() : null;
+        } catch (final NumberFormatException e) {
+            return null;
+        }
+    }
+
+    public static BigDecimal dec(final JsonObject obj, final String key) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsBigDecimal() : null;
+        } catch (final NumberFormatException e) {
+            return null;
+        }
+    }
+
+    public static boolean bool(final JsonObject obj, final String key) {
+        return present(obj, key) && obj.get(key).isJsonPrimitive() && obj.get(key).getAsBoolean();
+    }
+
+    public static int intOr(final JsonObject obj, final String key, final int fallback) {
+        try {
+            return present(obj, key) && obj.get(key).isJsonPrimitive() ? obj.get(key).getAsInt() : fallback;
+        } catch (final NumberFormatException e) {
+            return fallback;
+        }
+    }
+
+    public static JsonObject obj(final JsonObject parent, final String key) {
+        return present(parent, key) && parent.get(key).isJsonObject() ? parent.getAsJsonObject(key) : null;
+    }
+
+    /** The nested object, creating and attaching an empty one if it isn't there yet. */
+    public static JsonObject objOrCreate(final JsonObject parent, final String key) {
+        final JsonObject existing = obj(parent, key);
+        if (existing != null) {
+            return existing;
+        }
+        final JsonObject created = new JsonObject();
+        parent.add(key, created);
+        return created;
+    }
+
+    public static JsonArray arr(final JsonObject parent, final String key) {
+        return present(parent, key) && parent.get(key).isJsonArray() ? parent.getAsJsonArray(key) : new JsonArray();
+    }
+
+    public static JsonArray arrOrCreate(final JsonObject parent, final String key) {
+        if (present(parent, key) && parent.get(key).isJsonArray()) {
+            return parent.getAsJsonArray(key);
+        }
+        final JsonArray created = new JsonArray();
+        parent.add(key, created);
+        return created;
+    }
+
+    public static String rawJson(final JsonObject obj, final String key) {
+        return present(obj, key) ? obj.get(key).toString() : null;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationPipelineService.java

@@ -0,0 +1,403 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.math.BigDecimal;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Persistence for the Loan Origination Pipeline — the pre-disbursement sanctioning workflow
+ * (Application → KYC → CIC Check → Field Investigation → Personal Discussion → Credit Committee →
+ * Risk → Legal → Signing → Cheque/ACH → Post-Check → Disbursed).
+ *
+ * <p>
+ * <b>Storage shape.</b> {@code payload} holds the complete application object as JSON and is the
+ * single source of truth for reads. The dozen real columns on
+ * {@code m_loan_origination_application}, and the four child tables, are <i>derived indexes</i> —
+ * they exist so the Pipeline list, the Channel/BC/Share reports, Target-vs-Actual and audit queries
+ * ("every application this officer approved") can be plain SQL instead of scanning JSON. They are
+ * never read back into the application object.
+ *
+ * <p>
+ * That deliberately stores those fields twice, which is the right trade here: every write goes
+ * through {@link #writeApplication} in one transaction and rewrites the payload, the columns and all
+ * child rows together from the same source, so the copies cannot drift. The alternative — splitting
+ * fields so nothing repeats — would force the read path to reconstruct a dozen values back out of
+ * SQL types (a {@code DECIMAL(19,6)} returning {@code 100000.000000} where the UI expects
+ * {@code 100000}, a null {@code BIGINT} vs an absent key), which is exactly the class of silent
+ * field-level corruption this module cannot afford.
+ *
+ * <p>
+ * The one field kept out of {@code payload} is {@code cicParsedAnalysis} — a parsed credit-bureau
+ * report with a per-account seven-year day-past-due grid. It is large, opaque and only ever rendered
+ * whole, so it gets its own column rather than being duplicated alongside everything else.
+ *
+ * <p>
+ * Because the payload is "the whole object minus that one field" rather than an allowlist of known
+ * keys, a field added to the workflow later persists with no schema or code change here. Given how
+ * fast this workflow gains fields, an allowlist would drop them silently.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanOriginationPipelineService {
+
+    /** Pulled out of the payload into its own column — see class javadoc. */
+    private static final String CIC_ANALYSIS_KEY = "cicParsedAnalysis";
+
+    /**
+     * The row's primary key. Kept out of the payload so it can only ever come from the column — a
+     * stale id round-tripped inside the JSON would silently point uploaded documents at the wrong
+     * application.
+     */
+    private static final String ID_KEY = "id";
+
+    private static final String SELECT_COLUMNS = "id, payload, cic_parsed_analysis";
+
+    private final JdbcTemplate jdbcTemplate;
+
+    // ── Read ─────────────────────────────────────────────────────────────────
+
+    /**
+     * Every application, newest first. Optional filters are pushed into SQL; the Pipeline screen also
+     * filters in-memory, so passing nothing here is perfectly valid.
+     */
+    public String findAllAsJson(final String branchCode, final String stage, final String status) {
+        final StringBuilder sql = new StringBuilder("SELECT " + SELECT_COLUMNS + " FROM m_loan_origination_application WHERE 1=1");
+        final List<Object> params = new ArrayList<>();
+        if (isSet(branchCode)) {
+            sql.append(" AND branch_code = ?");
+            params.add(branchCode);
+        }
+        if (isSet(stage)) {
+            sql.append(" AND current_stage = ?");
+            params.add(stage);
+        }
+        if (isSet(status)) {
+            sql.append(" AND overall_status = ?");
+            params.add(status);
+        }
+        sql.append(" ORDER BY id DESC");
+
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(sql.toString(), params.toArray());
+        final JsonArray out = new JsonArray();
+        for (final Map<String, Object> row : rows) {
+            out.add(reassemble(row));
+        }
+        return out.toString();
+    }
+
+    public String findOneAsJson(final String applicationNo) {
+        return loadApplication(applicationNo).toString();
+    }
+
+    /**
+     * Loads one application as a mutable object. This is the entry point the per-stage endpoints use:
+     * they validate and apply their transition against the state that is actually stored, never
+     * against what a caller claims it is.
+     */
+    public JsonObject loadApplication(final String applicationNo) {
+        final List<Map<String, Object>> rows = jdbcTemplate
+                .queryForList("SELECT " + SELECT_COLUMNS + " FROM m_loan_origination_application WHERE application_no = ?",
+                        applicationNo);
+        if (rows.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.not.found",
+                    "No loan origination application found with number " + applicationNo + ".", applicationNo);
+        }
+        return reassemble(rows.get(0));
+    }
+
+    /**
+     * Rebuilds the application object: the stored payload, with the bureau report re-attached and the
+     * row's own id surfaced. The id is what uploaded files hang off — documents are stored against
+     * {@code m_document.parent_entity_id}, so the client needs it to upload and fetch attachments.
+     */
+    private JsonObject reassemble(final Map<String, Object> row) {
+        final JsonObject app = parseObject(asString(row.get("payload")));
+        final Object id = row.get("id");
+        if (id != null) {
+            app.addProperty("id", Long.valueOf(id.toString()));
+        }
+        final String cic = asString(row.get("cic_parsed_analysis"));
+        if (cic != null && !cic.isBlank()) {
+            app.add(CIC_ANALYSIS_KEY, JsonParser.parseString(cic));
+        }
+        return app;
+    }
+
+    // ── Write ────────────────────────────────────────────────────────────────
+
+    /**
+     * Creates an application. The caller (the New Application wizard) has already derived the
+     * application number and the blank per-stage structures, so this stores the object as given
+     * rather than re-deriving a second, competing set of defaults server-side.
+     */
+    @Transactional
+    public String create(final String requestBodyAsJson) {
+        final JsonObject app = parseObject(requestBodyAsJson);
+        final String applicationNo = stringOrNull(app, "applicationNo");
+        if (applicationNo == null || applicationNo.isBlank()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.no.required",
+                    "applicationNo is required.");
+        }
+        final Long existing = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_loan_origination_application WHERE application_no = ?", Long.class, applicationNo);
+        if (existing != null && existing > 0) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.duplicate",
+                    "An application numbered " + applicationNo + " already exists.", applicationNo);
+        }
+        // Read back rather than echoing the request: the caller needs the assigned id to be able to
+        // attach documents to this application.
+        insertApplication(app);
+        return findOneAsJson(applicationNo);
+    }
+
+    /**
+     * Full-object save. The workflow's stage transitions are all applied client-side against the
+     * whole application object, so the whole object is what gets written back — there is no
+     * per-action field allowlist that could quietly omit a field.
+     */
+    @Transactional
+    public String save(final String applicationNo, final String requestBodyAsJson) {
+        return storeApplication(applicationNo, parseObject(requestBodyAsJson));
+    }
+
+    /** Writes a whole application object back. Shared by the full-object save and every per-stage
+     *  endpoint, so both paths persist through exactly the same code. */
+    @Transactional
+    public String storeApplication(final String applicationNo, final JsonObject app) {
+        final Long id = findIdOrThrow(applicationNo);
+
+        final JsonObject payload = app.deepCopy();
+        payload.remove(CIC_ANALYSIS_KEY);
+        payload.remove(ID_KEY);
+
+        jdbcTemplate.update("""
+                UPDATE m_loan_origination_application SET
+                    applicant_name = ?, client_id = ?, branch_code = ?, channel = ?, bc_agent_name = ?,
+                    product_code = ?, requested_amount = ?, current_stage = ?, overall_status = ?,
+                    is_share_member = ?, fineract_loan_id = ?, payload = ?, cic_parsed_analysis = ?,
+                    last_modified_date = CURRENT_TIMESTAMP
+                WHERE id = ?
+                """, stringOrNull(app, "applicantName"), longOrNull(app, "clientId"), stringOrNull(app, "branchCode"),
+                stringOrNull(app, "channel"), stringOrNull(app, "bcAgentName"), stringOrNull(app, "productCode"),
+                decimalOrNull(app, "requestedAmount"), stringOrNull(app, "currentStage"), stringOrNull(app, "overallStatus"),
+                boolOrFalse(app, "isShareMember"), longOrNull(app, "fineractLoanId"), payload.toString(),
+                childJsonOrNull(app, CIC_ANALYSIS_KEY), id);
+
+        writeChildren(id, app);
+        return findOneAsJson(applicationNo);
+    }
+
+    /**
+     * One-time seed. Idempotent by design: it is called on first page load and must not duplicate the
+     * book if the frontend is reloaded, so a non-empty table short-circuits to 0.
+     */
+    @Transactional
+    public int seed(final String requestBodyAsJson) {
+        final Long existing = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_loan_origination_application", Long.class);
+        if (existing != null && existing > 0) {
+            return 0;
+        }
+        final JsonElement parsed = JsonParser.parseString(requestBodyAsJson == null ? "[]" : requestBodyAsJson);
+        if (!parsed.isJsonArray()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.seed.invalid",
+                    "Seed body must be a JSON array of applications.");
+        }
+        int seeded = 0;
+        for (final JsonElement element : parsed.getAsJsonArray()) {
+            if (element.isJsonObject()) {
+                insertApplication(element.getAsJsonObject());
+                seeded++;
+            }
+        }
+        return seeded;
+    }
+
+    private void insertApplication(final JsonObject app) {
+        final JsonObject payload = app.deepCopy();
+        payload.remove(CIC_ANALYSIS_KEY);
+        payload.remove(ID_KEY);
+
+        jdbcTemplate.update("""
+                INSERT INTO m_loan_origination_application
+                    (application_no, applicant_name, client_id, branch_code, channel, bc_agent_name,
+                     product_code, requested_amount, current_stage, overall_status, is_share_member,
+                     fineract_loan_id, payload, cic_parsed_analysis)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+                """, stringOrNull(app, "applicationNo"), stringOrNull(app, "applicantName"), longOrNull(app, "clientId"),
+                stringOrNull(app, "branchCode"), stringOrNull(app, "channel"), stringOrNull(app, "bcAgentName"),
+                stringOrNull(app, "productCode"), decimalOrNull(app, "requestedAmount"), stringOrNull(app, "currentStage"),
+                stringOrNull(app, "overallStatus"), boolOrFalse(app, "isShareMember"), longOrNull(app, "fineractLoanId"),
+                payload.toString(), childJsonOrNull(app, CIC_ANALYSIS_KEY));
+
+        final Long id = jdbcTemplate.queryForObject("SELECT id FROM m_loan_origination_application WHERE application_no = ?",
+                Long.class, stringOrNull(app, "applicationNo"));
+        writeChildren(id, app);
+    }
+
+    /**
+     * Rewrites the derived child rows for one application. Delete-then-insert rather than a per-row
+     * diff: these collections are small (a stage history is a dozen rows), and a full rewrite cannot
+     * leave a stale row behind the way a partial diff can.
+     */
+    private void writeChildren(final Long id, final JsonObject app) {
+        jdbcTemplate.update("DELETE FROM m_loan_origination_stage_history WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_approval WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_fi_check WHERE application_id = ?", id);
+        jdbcTemplate.update("DELETE FROM m_loan_origination_document WHERE application_id = ?", id);
+
+        final JsonArray history = arrayOrEmpty(app, "stageHistory");
+        for (int i = 0; i < history.size(); i++) {
+            if (!history.get(i).isJsonObject()) {
+                continue;
+            }
+            final JsonObject entry = history.get(i).getAsJsonObject();
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_stage_history
+                        (application_id, seq_no, stage, action_date, action_by, outcome, remarks)
+                    VALUES (?, ?, ?, ?, ?, ?, ?)
+                    """, id, i, stringOrNull(entry, "stage"), stringOrNull(entry, "date"), stringOrNull(entry, "actionBy"),
+                    stringOrNull(entry, "outcome"), stringOrNull(entry, "remarks"));
+        }
+
+        for (final String field : new String[] { "creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval" }) {
+            final JsonObject approval = objectOrNull(app, field);
+            if (approval == null) {
+                continue;
+            }
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_approval
+                        (application_id, approval_field, decision, approver_name, approver_role, decision_date, remarks)
+                    VALUES (?, ?, ?, ?, ?, ?, ?)
+                    """, id, field, stringOrNull(approval, "decision"), stringOrNull(approval, "approverName"),
+                    stringOrNull(approval, "approverRole"), stringOrNull(approval, "date"), stringOrNull(approval, "remarks"));
+        }
+
+        for (final String key : new String[] { "addressVerification", "officeVerification", "propertyVerification",
+                "shopVerification" }) {
+            final JsonObject check = objectOrNull(app, key);
+            if (check == null) {
+                continue;
+            }
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_fi_check
+                        (application_id, check_key, status, verified_by, verified_date, remarks, officer_assigned,
+                         assigned_date, assigned_at, latitude, longitude, photo_count)
+                    VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+                    """, id, key, stringOrNull(check, "status"), stringOrNull(check, "verifiedBy"),
+                    stringOrNull(check, "verifiedDate"), stringOrNull(check, "remarks"), stringOrNull(check, "officerAssigned"),
+                    stringOrNull(check, "assignedDate"), longOrNull(check, "assignedAt"), stringOrNull(check, "latitude"),
+                    stringOrNull(check, "longitude"), intOrZero(check, "photoCount"));
+        }
+
+        insertDocuments(id, arrayOrEmpty(app, "productDocuments"), "PRODUCT");
+        insertDocuments(id, arrayOrEmpty(app, "legalDocuments"), "LEGAL");
+    }
+
+    private void insertDocuments(final Long id, final JsonArray docs, final String kind) {
+        for (int i = 0; i < docs.size(); i++) {
+            if (!docs.get(i).isJsonObject()) {
+                continue;
+            }
+            final JsonObject doc = docs.get(i).getAsJsonObject();
+            jdbcTemplate.update("""
+                    INSERT INTO m_loan_origination_document
+                        (application_id, doc_kind, doc_key, label, hint, is_custom, submitted, seq_no)
+                    VALUES (?, ?, ?, ?, ?, ?, ?, ?)
+                    """, id, kind, stringOrNull(doc, "key"), stringOrNull(doc, "label"), stringOrNull(doc, "hint"),
+                    boolOrFalse(doc, "custom"), boolOrFalse(doc, "submitted"), i);
+        }
+    }
+
+    private Long findIdOrThrow(final String applicationNo) {
+        final List<Long> ids = jdbcTemplate.queryForList("SELECT id FROM m_loan_origination_application WHERE application_no = ?",
+                Long.class, applicationNo);
+        if (ids.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.application.not.found",
+                    "No loan origination application found with number " + applicationNo + ".", applicationNo);
+        }
+        return ids.get(0);
+    }
+
+    // ── JSON helpers ─────────────────────────────────────────────────────────
+    // Thin aliases over LoanOriginationJson so this class and the per-stage service share one
+    // implementation of the null/absent/wrong-type handling rather than each keeping its own.
+
+    private JsonObject parseObject(final String body) {
+        if (body == null || body.isBlank()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.loan.origination.body.required", "A request body is required.");
+        }
+        return LoanOriginationJson.parseObject(body);
+    }
+
+    private boolean present(final JsonObject obj, final String key) {
+        return LoanOriginationJson.present(obj, key);
+    }
+
+    private String stringOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.str(obj, key);
+    }
+
+    private Long longOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.lng(obj, key);
+    }
+
+    private BigDecimal decimalOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.dec(obj, key);
+    }
+
+    private boolean boolOrFalse(final JsonObject obj, final String key) {
+        return LoanOriginationJson.bool(obj, key);
+    }
+
+    private int intOrZero(final JsonObject obj, final String key) {
+        return LoanOriginationJson.intOr(obj, key, 0);
+    }
+
+    private JsonObject objectOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.obj(obj, key);
+    }
+
+    private JsonArray arrayOrEmpty(final JsonObject obj, final String key) {
+        return LoanOriginationJson.arr(obj, key);
+    }
+
+    private String childJsonOrNull(final JsonObject obj, final String key) {
+        return LoanOriginationJson.rawJson(obj, key);
+    }
+
+    private String asString(final Object value) {
+        return value == null ? null : value.toString();
+    }
+
+    private boolean isSet(final String value) {
+        return value != null && !value.isBlank();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanoriginationpipeline/service/LoanOriginationStageService.java

@@ -0,0 +1,517 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanoriginationpipeline.service;
+
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.arr;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.arrOrCreate;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.bool;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.filled;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.intOr;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.obj;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.objOrCreate;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.parseObject;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.str;
+import static org.apache.fineract.portfolio.loanoriginationpipeline.service.LoanOriginationJson.strOr;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.util.Arrays;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Server-side stage transitions for the Loan Origination Pipeline.
+ *
+ * <p>
+ * Each method here owns one sanctioning step: it loads the application <b>as stored</b>, checks that
+ * step's preconditions against that stored state, applies the change, appends the audit-trail entry
+ * and saves. The caller supplies only that step's own inputs (who acted, remarks, a resolution
+ * number) — never the resulting state — so a client cannot approve a stage whose prerequisites are
+ * not actually met, mark a field visit verified without the GPS fix and photographs really being on
+ * file, or minute a Credit Committee decision without a resolution number.
+ *
+ * <p>
+ * That distinction matters for a sanctioning workflow: the screen also disables those buttons, but UI
+ * gating is a convenience, not a control — it is bypassed by any direct call to the API. These checks
+ * are the control. They are deliberately the same rules the screen enforces, so an officer never sees
+ * an enabled button that the server then rejects.
+ *
+ * <p>
+ * Dates are written in the {@code dd-MM-yyyy} form the rest of the workflow record already uses, and
+ * "nothing recorded" stays the {@code '—'} placeholder the existing data uses, so a server-applied
+ * transition is indistinguishable in shape from the client-applied ones already stored.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanOriginationStageService {
+
+    private static final DateTimeFormatter WORKFLOW_DATE = DateTimeFormatter.ofPattern("dd-MM-yyyy");
+
+    /** Must stay in step with STAGE_ORDER on the Application Detail screen. */
+    private static final List<String> STAGE_ORDER = List.of("APPLICATION", "KYC_DOCUMENTS", "CIC_CHECK", "FIELD_INVESTIGATION",
+            "PERSONAL_DISCUSSION", "CREDIT_COMMITTEE", "RISK_APPROVAL", "LEGAL_APPROVAL", "CUSTOMER_SIGNING", "CHEQUE_ACH",
+            "POST_CHECK", "DISBURSED");
+
+    private static final List<String> FI_CHECK_KEYS = List.of("addressVerification", "officeVerification", "propertyVerification",
+            "shopVerification");
+
+    private final LoanOriginationPipelineService pipelineService;
+
+    // ── KYC & Documents ──────────────────────────────────────────────────────
+
+    @Transactional
+    public String completeKyc(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "KYC_DOCUMENTS");
+
+        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
+        require(bool(app, "panVerified"), "PAN has not been verified.");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        require(bool(app, "bankStatementSubmitted"), "Bank statement has not been submitted.");
+        require(bool(app, "electricityBillSubmitted"), "Address proof (electricity bill) has not been submitted.");
+        require(intOr(app, "monthlyIncome", 0) > 0, "Monthly income has not been assessed.");
+        for (final JsonElement element : arr(app, "productDocuments")) {
+            final JsonObject doc = element.getAsJsonObject();
+            require(bool(doc, "submitted"), "Required document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
+        }
+
+        advance(app, actor(input), "KYC Complete", strOr(input, "remarks", "KYC and document collection complete."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── CIC / Credit Bureau ──────────────────────────────────────────────────
+
+    @Transactional
+    public String completeCicCheck(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CIC_CHECK");
+
+        // RBI's Fair Practices Code requires the borrower's written consent before a bureau pull, and
+        // the bureau's per-pull fee has to have actually been collected.
+        require(bool(app, "cicConsentSigned"), "The borrower's signed credit-bureau consent is not on file.");
+        require(bool(app, "cicChargeCollected"), "The credit bureau check charge has not been collected.");
+        require(bool(app, "cicReportUploaded"), "No credit bureau report has been uploaded.");
+
+        advance(app, actor(input), "CIC Check Complete",
+                strOr(input, "remarks", "Credit bureau report obtained and reviewed. Score " + intOr(app, "cibilScore", 0) + "."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Field Investigation ──────────────────────────────────────────────────
+
+    /**
+     * Marks one field-investigation check verified. The GPS fix and site photographs are checked
+     * against what is stored, which is the point: "I visited" with nothing recorded is exactly what a
+     * field-investigation control exists to prevent.
+     */
+    @Transactional
+    public String verifyFieldCheck(final String applicationNo, final String checkKey, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        require(FI_CHECK_KEYS.contains(checkKey), "Unknown field investigation check: " + checkKey);
+
+        final JsonObject check = objOrCreate(app, checkKey);
+        require(filled(check, "officerAssigned"), "No field officer has been assigned to this visit.");
+        require(filled(check, "latitude") && filled(check, "longitude"), "The visit has no GPS coordinates recorded.");
+        require(intOr(check, "photoCount", 0) > 0, "No site photograph has been captured for this visit.");
+
+        check.addProperty("status", "VERIFIED");
+        check.addProperty("verifiedBy", strOr(input, "verifiedBy", strOr(check, "officerAssigned", "Field Officer")));
+        check.addProperty("verifiedDate", today());
+        check.addProperty("remarks", strOr(input, "remarks", "Visited and confirmed correct."));
+
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String rejectFieldCheck(final String applicationNo, final String checkKey, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        require(FI_CHECK_KEYS.contains(checkKey), "Unknown field investigation check: " + checkKey);
+        // A failed visit must say why -- it is what the Personal Discussion stage then works from.
+        final String remarks = strOr(input, "remarks", "");
+        require(!remarks.isBlank(), "A reason is required when a field visit fails.");
+
+        final JsonObject check = objOrCreate(app, checkKey);
+        check.addProperty("status", "FAILED");
+        check.addProperty("verifiedBy", strOr(input, "verifiedBy", strOr(check, "officerAssigned", "Field Officer")));
+        check.addProperty("verifiedDate", today());
+        check.addProperty("remarks", remarks);
+
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String completeFieldInvestigation(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "FIELD_INVESTIGATION");
+        requireFieldInvestigationComplete(app);
+
+        advance(app, actor(input), "FI Complete", strOr(input, "remarks", "Field investigation complete on all applicable checks."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Personal Discussion ──────────────────────────────────────────────────
+
+    @Transactional
+    public String clearPersonalDiscussion(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+        require(bool(app, "meetingScheduled"), "The personal discussion meeting has not been scheduled.");
+
+        final String remarks = strOr(input, "remarks", "No discrepancy found — cleared to proceed to Loan Committee.");
+        app.addProperty("discrepancyType", "NONE");
+        app.addProperty("overallStatus", "IN_PROGRESS");
+        app.addProperty("personalDiscussionDate", today());
+        app.addProperty("personalDiscussionNotes", remarks);
+        app.addProperty("declarationTaken", true);
+        app.addProperty("declarationDate", today());
+
+        advance(app, actor(input), "Cleared", remarks);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String flagDiscrepancy(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+
+        final String type = strOr(input, "discrepancyType", "");
+        require(!type.isBlank() && !"NONE".equals(type), "A discrepancy type is required.");
+        final String notes = strOr(input, "remarks", "");
+        require(!notes.isBlank(), "Notes are required when flagging a discrepancy.");
+
+        app.addProperty("discrepancyType", type);
+        app.addProperty("personalDiscussionDate", today());
+        app.addProperty("personalDiscussionNotes", notes);
+        // Held rather than rejected: a discrepancy is resolvable, and the application has to stay
+        // visible as outstanding work rather than dropping out of the pipeline.
+        app.addProperty("overallStatus", "ON_HOLD");
+
+        appendHistory(app, str(app, "currentStage"), actor(input), "Discrepancy Flagged", notes);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String resolveDiscrepancy(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "PERSONAL_DISCUSSION");
+        require("ON_HOLD".equals(str(app, "overallStatus")), "This application is not on hold.");
+
+        final String remarks = strOr(input, "remarks", "Discrepancy resolved on further review — cleared to proceed.");
+        app.addProperty("discrepancyType", "NONE");
+        app.addProperty("overallStatus", "IN_PROGRESS");
+        app.addProperty("personalDiscussionNotes", remarks);
+        app.addProperty("declarationTaken", true);
+        app.addProperty("declarationDate", today());
+
+        advance(app, actor(input), "Resolved", remarks);
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Approvals ────────────────────────────────────────────────────────────
+
+    /**
+     * Records a Credit Committee / Risk / Legal / Post-Check decision.
+     *
+     * @param field one of creditCommitteeApproval, riskApproval, legalApproval, postCheckApproval
+     */
+    @Transactional
+    public String decideApproval(final String applicationNo, final String field, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+
+        final String decision = strOr(input, "decision", "APPROVED");
+        require(List.of("APPROVED", "REJECTED", "EXCEPTION_APPROVED").contains(decision), "Unknown decision: " + decision);
+
+        final String expectedStage = switch (field) {
+            case "creditCommitteeApproval" -> "CREDIT_COMMITTEE";
+            case "riskApproval" -> "RISK_APPROVAL";
+            case "legalApproval" -> "LEGAL_APPROVAL";
+            case "postCheckApproval" -> "POST_CHECK";
+            default -> throw badRequest("Unknown approval stage: " + field);
+        };
+        requireStage(app, expectedStage);
+
+        // Prerequisites are only enforced for a positive decision: a rejection has to remain possible
+        // at any point, and blocking it on an incomplete checklist would trap the application.
+        if (!"REJECTED".equals(decision)) {
+            switch (field) {
+                case "creditCommitteeApproval" -> requireCommitteeReportsReady(app, input);
+                case "riskApproval" -> requireRiskChecklistReady(app);
+                case "legalApproval" -> requireLegalChecklistDone(app);
+                case "postCheckApproval" -> requirePostCheckSignatures(app);
+                default -> throw badRequest("Unknown approval stage: " + field);
+            }
+        }
+
+        String remarks = strOr(input, "remarks", "REJECTED".equals(decision) ? "Declined on review." : "Reviewed and approved.");
+        if ("creditCommitteeApproval".equals(field) && !"REJECTED".equals(decision)) {
+            // The resolution number and date are what the sanction letter later quotes, so they are
+            // recorded on the application and restated in the audit trail.
+            final String resolutionNo = strOr(input, "resolutionNo", "");
+            final String resolutionDate = strOr(input, "resolutionDate", "");
+            app.addProperty("committeeResolutionNo", resolutionNo);
+            app.addProperty("committeeResolutionDate", resolutionDate);
+            remarks = remarks + " (Resolution No. " + resolutionNo + " dated " + resolutionDate + ")";
+        }
+
+        final JsonObject approval = objOrCreate(app, field);
+        approval.addProperty("decision", decision);
+        approval.addProperty("approverName", strOr(input, "approverName", "Bank Staff"));
+        approval.addProperty("approverRole", strOr(input, "approverRole", expectedStage));
+        approval.addProperty("date", today());
+        approval.addProperty("remarks", remarks);
+
+        if ("REJECTED".equals(decision)) {
+            app.addProperty("overallStatus", "REJECTED");
+            appendHistory(app, str(app, "currentStage"), actor(input), "Rejected", remarks);
+        } else {
+            advance(app, actor(input), "EXCEPTION_APPROVED".equals(decision) ? "Approved on Exception" : "Approved", remarks);
+        }
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Signing / Cheque-ACH / Disbursement ──────────────────────────────────
+
+    @Transactional
+    public String markSigned(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CUSTOMER_SIGNING");
+        require(filled(app, "agreementSigningSlot"), "No agreement signing slot has been recorded.");
+
+        app.addProperty("customerSigningDate", today());
+        advance(app, strOr(input, "actionBy", strOr(app, "applicantName", "Customer")), "Signed",
+                strOr(input, "remarks", "Loan agreement signed by the customer."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    @Transactional
+    public String confirmChequeAch(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "CHEQUE_ACH");
+        require(bool(app, "chequeReceived"), "Security cheques have not been received.");
+        require(bool(app, "achSigned"), "The ACH/NACH mandate has not been signed.");
+
+        advance(app, actor(input), "Cheque & ACH Received",
+                strOr(input, "remarks", "Security cheques received and ACH mandate signed."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    /**
+     * Final disbursement. Requires every approval level to actually stand as approved on the stored
+     * record — the last point at which an application could otherwise slip through with a rejected or
+     * still-pending sign-off.
+     */
+    @Transactional
+    public String disburse(final String applicationNo, final String body) {
+        final JsonObject app = pipelineService.loadApplication(applicationNo);
+        final JsonObject input = parseObject(body);
+        requireStage(app, "DISBURSED");
+        require(!"DISBURSED".equals(str(app, "overallStatus")), "This application has already been disbursed.");
+
+        for (final String field : List.of("creditCommitteeApproval", "riskApproval", "legalApproval", "postCheckApproval")) {
+            final JsonObject approval = obj(app, field);
+            final String decision = approval == null ? null : str(approval, "decision");
+            require("APPROVED".equals(decision) || "EXCEPTION_APPROVED".equals(decision),
+                    "Cannot disburse: " + field + " is not approved.");
+        }
+        require(filled(app, "customerSigningDate"), "The customer has not signed the loan agreement.");
+
+        final String mode = strOr(input, "disbursementMode", "Account Credit");
+        app.addProperty("disbursementDate", today());
+        app.addProperty("disbursementMode", mode);
+        if (!filled(app, "achConfirmationRef")) {
+            final String suffix = applicationNo.length() >= 6 ? applicationNo.substring(applicationNo.length() - 6) : applicationNo;
+            app.addProperty("achConfirmationRef", "ACH" + suffix);
+        }
+        app.addProperty("emiActivationConfirmed", true);
+        app.addProperty("emiActivationDate", today());
+        app.addProperty("overallStatus", "DISBURSED");
+        if (LoanOriginationJson.present(input, "fineractLoanId")) {
+            app.addProperty("fineractLoanId", LoanOriginationJson.lng(input, "fineractLoanId"));
+            app.addProperty("fineractLoanAccountNo", str(input, "fineractLoanAccountNo"));
+        }
+
+        appendHistory(app, "DISBURSED", actor(input), "Disbursed", strOr(input, "remarks",
+                "Disbursed via " + mode + " — ACH confirmation " + strOr(app, "achConfirmationRef", "—") + ". EMI activation confirmed."));
+        return pipelineService.storeApplication(applicationNo, app);
+    }
+
+    // ── Shared checklist rules (mirror the Application Detail screen's gating) ─
+
+    private void requireFieldInvestigationComplete(final JsonObject app) {
+        requireCheckVerified(app, "addressVerification", "Address verification");
+        requireCheckVerified(app, "officeVerification", "Office/employment verification");
+        if (bool(app, "secured")) {
+            requireCheckVerified(app, "propertyVerification", "Property verification");
+        }
+        if (bool(app, "hasShop")) {
+            requireCheckVerified(app, "shopVerification", "Shop verification");
+        }
+    }
+
+    private void requireCheckVerified(final JsonObject app, final String key, final String label) {
+        final JsonObject check = obj(app, key);
+        require(check != null && "VERIFIED".equals(str(check, "status")), label + " is not verified.");
+    }
+
+    private void requireCommitteeReportsReady(final JsonObject app, final JsonObject input) {
+        require(bool(app, "cicReportUploaded"), "The credit bureau report is not on file.");
+        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        if (bool(app, "secured")) {
+            require(bool(app, "cersaiSearchDone"), "The CERSAI search has not been done.");
+        }
+        require(bool(app, "aadhaarVerified"), "Aadhaar has not been verified.");
+        require(bool(app, "panVerified"), "PAN has not been verified.");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        requireFieldInvestigationComplete(app);
+        require(bool(app, "managerMeetingDone"), "The manager meeting has not been recorded.");
+        require(!strOr(input, "resolutionNo", "").isBlank(), "A committee resolution number is required.");
+        require(!strOr(input, "resolutionDate", "").isBlank(), "A committee resolution date is required.");
+    }
+
+    private void requireRiskChecklistReady(final JsonObject app) {
+        requireCheckVerified(app, "addressVerification", "Address verification");
+        require(bool(app, "incomeProofSubmitted"), "Income proof has not been submitted.");
+        require(bool(app, "previousLoanDeclarationDone"), "The previous-loan declaration has not been taken.");
+        if (bool(app, "secured")) {
+            require(bool(app, "propertySearchReportDone"), "The property search report is not on file.");
+            require(bool(app, "valuationReportConfirmed"), "The valuation report has not been confirmed.");
+        }
+        requireFieldInvestigationComplete(app);
+        require(bool(app, "backgroundCheckDone"), "The background check has not been done.");
+        if (bool(app, "guarantorRequired")) {
+            // A guarantor at a co-operative bank has to be an existing member, not just a name: an
+            // onboarded client id AND a live share account.
+            require(LoanOriginationJson.lng(app, "guarantorClientId") != null,
+                    "A guarantor is required but no existing client has been selected.");
+            require(bool(app, "guarantorHasShareAccount"), "The selected guarantor has no active share account.");
+        }
+    }
+
+    private void requireLegalChecklistDone(final JsonObject app) {
+        require(bool(app, "feesAndAccountOpened"), "Fees and account opening are not complete.");
+        if (bool(app, "secured")) {
+            require(bool(app, "mortgageCreated"), "The mortgage has not been created.");
+        }
+        require(bool(app, "legalStampDone"), "Legal stamping is not complete.");
+        require(bool(app, "fileFilingDone"), "File filing is not complete.");
+        for (final JsonElement element : arr(app, "legalDocuments")) {
+            final JsonObject doc = element.getAsJsonObject();
+            require(bool(doc, "submitted"), "Legal document not submitted: " + strOr(doc, "label", strOr(doc, "key", "document")));
+        }
+    }
+
+    private void requirePostCheckSignatures(final JsonObject app) {
+        require(bool(app, "signedByAgent"), "The agent has not signed off.");
+        require(bool(app, "signedByManager"), "The manager has not signed off.");
+        require(bool(app, "signedByCommittee"), "The committee has not signed off.");
+        require(bool(app, "signedByRiskApproval"), "Risk approval has not signed off.");
+        require(bool(app, "signedByLegalApproval"), "Legal approval has not signed off.");
+    }
+
+    // ── Stage / history mechanics ────────────────────────────────────────────
+
+    private void requireStage(final JsonObject app, final String expected) {
+        final String actual = str(app, "currentStage");
+        if (!expected.equals(actual)) {
+            throw badRequest("This action applies at the " + expected + " stage, but the application is at " + actual + ".");
+        }
+        final String status = str(app, "overallStatus");
+        if ("REJECTED".equals(status)) {
+            throw badRequest("This application has been rejected and cannot be progressed.");
+        }
+    }
+
+    /**
+     * Moves the application to the next stage and appends the audit entry. {@code furthestStageIndex}
+     * only ever increases, so jumping back to an earlier stage for a correction does not make
+     * already-completed stages look unfinished.
+     */
+    private void advance(final JsonObject app, final String actionBy, final String outcome, final String remarks) {
+        final String current = str(app, "currentStage");
+        appendHistory(app, current, actionBy, outcome, remarks);
+
+        final int index = STAGE_ORDER.indexOf(current);
+        if (index >= 0 && index < STAGE_ORDER.size() - 1) {
+            final int next = index + 1;
+            app.addProperty("currentStage", STAGE_ORDER.get(next));
+            app.addProperty("furthestStageIndex", Math.max(intOr(app, "furthestStageIndex", 0), next));
+        }
+    }
+
+    private void appendHistory(final JsonObject app, final String stage, final String actionBy, final String outcome,
+            final String remarks) {
+        final JsonArray history = arrOrCreate(app, "stageHistory");
+        final JsonObject entry = new JsonObject();
+        entry.addProperty("stage", stage);
+        entry.addProperty("date", today());
+        entry.addProperty("actionBy", actionBy);
+        entry.addProperty("outcome", outcome);
+        entry.addProperty("remarks", remarks);
+        history.add(entry);
+    }
+
+    private String actor(final JsonObject input) {
+        return strOr(input, "actionBy", "Bank Staff");
+    }
+
+    private String today() {
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        return (businessDate == null ? LocalDate.now(DateUtils.getDateTimeZoneOfTenant()) : businessDate).format(WORKFLOW_DATE);
+    }
+
+    private void require(final boolean condition, final String message) {
+        if (!condition) {
+            throw badRequest(message);
+        }
+    }
+
+    private GeneralPlatformDomainRuleException badRequest(final String message) {
+        return new GeneralPlatformDomainRuleException("error.msg.loan.origination.stage.invalid", message);
+    }
+
+    /** Kept for symmetry with the check-key list above; used by callers validating a key up front. */
+    public static boolean isKnownFieldCheck(final String checkKey) {
+        return FI_CHECK_KEYS.contains(checkKey);
+    }
+
+    /** Exposed so the API layer can advertise the stage order without duplicating it. */
+    public static List<String> stageOrder() {
+        return Arrays.asList(STAGE_ORDER.toArray(new String[0]));
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/mobilelookup/api/MobileLookupApiResource.java

@@ -18,6 +18,8 @@
  */
 package org.apache.fineract.portfolio.mobilelookup.api;
 
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.Parameter;
 import io.swagger.v3.oas.annotations.media.Content;
@@ -26,11 +28,16 @@ import io.swagger.v3.oas.annotations.responses.ApiResponse;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
 import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
+import java.util.LinkedHashMap;
 import java.util.List;
+import java.util.Map;
+import java.util.Set;
 import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
@@ -63,6 +70,8 @@ public class MobileLookupApiResource {
     private final MobileLookupService mobileLookupService;
     private final DefaultToApiJsonSerializer<MobileLookupResult> resultSerializer;
     private final DefaultToApiJsonSerializer<List> listSerializer;
+    private final DefaultToApiJsonSerializer<MobileLookupLogData> logSerializer;
+    private final DefaultToApiJsonSerializer<Map> mapSerializer;
 
     @GET
     @Path("/check")
@@ -80,6 +89,20 @@ public class MobileLookupApiResource {
             @QueryParam("mobileNumber") @Parameter(description = "Mobile number to check (10-15 digits)") final String mobileNumber) {
         this.context.authenticatedUser().validateHasReadPermission("MOBILE_LOOKUP");
         final MobileLookupResult result = mobileLookupService.checkMobileNumber(mobileNumber);
+
+        // Surface any earlier rejection of the same number so the officer screening it today is
+        // not the only one without that history.
+        final MobileLookupLog priorRejection = mobileLookupService.findPriorRejection(mobileNumber);
+        if (priorRejection != null && !priorRejection.getId().equals(result.getLookupLogId())) {
+            final Map<String, Object> payload = new LinkedHashMap<>();
+            payload.put("lookupLogId", result.getLookupLogId());
+            payload.put("success", result.isSuccess());
+            payload.put("message", result.getMessage());
+            payload.put("data", result.getData());
+            payload.put("timestamp", result.getTimestamp());
+            payload.put("priorRejection", MobileLookupLogData.fromEntity(priorRejection));
+            return mapSerializer.serialize(payload);
+        }
         return resultSerializer.serialize(result);
     }
 
@@ -107,10 +130,77 @@ public class MobileLookupApiResource {
             logs = mobileLookupService.getLookupLogs();
         }
 
-        final List<MobileLookupLogData> logDataList = logs.stream()
+        return listSerializer.serialize(withClientNames(logs));
-                .map(MobileLookupLogData::fromEntity)
+    }
-                .collect(Collectors.toList());
 
-        return listSerializer.serialize(logDataList);
+    /**
+     * Attaches the client's display name and account number to each row. The log stores only the
+     * client id, and a queue of bare ids is not something a reviewing officer can act on.
+     */
+    private List<MobileLookupLogData> withClientNames(final List<MobileLookupLog> logs) {
+        final Set<Long> clientIds = logs.stream()
+                .map(MobileLookupLog::getClientId)
+                .filter(java.util.Objects::nonNull)
+                .collect(Collectors.toSet());
+        final Map<Long, String[]> names = mobileLookupService.resolveClientNames(clientIds);
+
+        return logs.stream().map(log -> {
+            final String[] client = log.getClientId() == null ? null : names.get(log.getClientId());
+            return MobileLookupLogData.fromEntity(log, client == null ? null : client[0],
+                    client == null ? null : client[1]);
+        }).collect(Collectors.toList());
+    }
+
+    @GET
+    @Path("/pending")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Lookups awaiting an officer's decision",
+            description = "SUSPECTED or DISCONNECTED numbers on which no PROCEEDED/REJECTED decision "
+                    + "has been recorded yet.")
+    public String getPendingDecisions() {
+        this.context.authenticatedUser().validateHasReadPermission("MOBILE_LOOKUP");
+
+        return listSerializer.serialize(withClientNames(mobileLookupService.getPendingDecisions()));
+    }
+
+    @POST
+    @Path("/logs/{logId}/decision")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record the officer's decision on a flagged number",
+            description = "Body: {\"decision\": \"PROCEEDED|REJECTED\", \"reason\": \"...\"}. "
+                    + "A reason is mandatory when proceeding despite a DIP/MNRL hit.")
+    public String recordDecision(@PathParam("logId") final Long logId, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser().validateHasPermissionTo("OVERRIDE_MOBILE_LOOKUP");
+
+        final JsonObject json = JsonParser.parseString(apiRequestBodyAsJson).getAsJsonObject();
+        final String decision = json.has("decision") ? json.get("decision").getAsString() : null;
+        final String reason = json.has("reason") ? json.get("reason").getAsString() : null;
+
+        final MobileLookupLogData result = MobileLookupLogData.fromEntity(mobileLookupService
+                .recordDecision(logId, decision, reason, this.context.authenticatedUser().getId()));
+        return logSerializer.serialize(result);
+    }
+
+    @POST
+    @Path("/rescreen")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Re-screen existing clients' mobile numbers against DIP/MNRL",
+            description = "Screens every active client's mobile and alternate mobile numbers, opening a "
+                    + "decision row for each hit. Detects numbers reported for fraud or reassigned after "
+                    + "the customer was onboarded.")
+    public String rescreenExistingClients() {
+        this.context.authenticatedUser().validateHasPermissionTo("OVERRIDE_MOBILE_LOOKUP");
+
+        final int flagged = mobileLookupService.rescreenExistingClients();
+        final Map<String, Object> response = new LinkedHashMap<>();
+        response.put("message", "DIP/MNRL re-screening complete");
+        response.put("numbersFlagged", flagged);
+        // Reported so "0 flagged" can be told apart from "0 clients were even looked at" — the
+        // two mean very different things and the caller could not previously distinguish them.
+        response.put("clientsScanned", mobileLookupService.countScreenableClients());
+        return mapSerializer.serialize(response);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/mobilelookup/data/MobileLookupLogData.java

@@ -34,9 +34,26 @@ public class MobileLookupLogData {
     private final String responseMessage;
     private final String lookupSource;
     private final Long clientId;
+    /**
+     * Resolved separately from the log row, which stores only the id. A queue showing a bare
+     * "145" gives the reviewing officer nothing to act on — they need to know who it is.
+     */
+    private final String clientName;
+    private final String clientAccountNo;
     private final String lookedUpOn;
+    private final String overrideDecision;
+    private final String overrideReason;
+    private final Long decidedBy;
+    private final String decidedOn;
+    /** Whether this lookup permits the number to be used on a client record. */
+    private final boolean usable;
 
     public static MobileLookupLogData fromEntity(final MobileLookupLog log) {
+        return fromEntity(log, null, null);
+    }
+
+    public static MobileLookupLogData fromEntity(final MobileLookupLog log, final String clientName,
+            final String clientAccountNo) {
         return new MobileLookupLogData(
                 log.getId(),
                 log.getMobileNumber(),
@@ -46,6 +63,13 @@ public class MobileLookupLogData {
                 log.getResponseMessage(),
                 log.getLookupSource(),
                 log.getClientId(),
-                log.getLookedUpOn() != null ? log.getLookedUpOn().toString() : null);
+                clientName,
+                clientAccountNo,
+                log.getLookedUpOn() != null ? log.getLookedUpOn().toString() : null,
+                log.getOverrideDecision(),
+                log.getOverrideReason(),
+                log.getDecidedBy(),
+                log.getDecidedOn() != null ? log.getDecidedOn().toString() : null,
+                log.isUsable());
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/mobilelookup/service/MobileLookupService.java

@@ -33,4 +33,65 @@ public interface MobileLookupService {
     List<MobileLookupLog> getLookupLogsByMobileNumber(String mobileNumber);
 
     List<MobileLookupLog> getLookupLogsByStatus(String status);
+
+    /**
+     * Records the officer's decision on a lookup that came back SUSPECTED or DISCONNECTED.
+     *
+     * @param decision PROCEEDED or REJECTED
+     * @param reason   mandatory when proceeding — why the number is acceptable anyway
+     */
+    MobileLookupLog recordDecision(Long logId, String decision, String reason, Long userId);
+
+    /** Non-clean lookups still awaiting a decision. */
+    List<MobileLookupLog> getPendingDecisions();
+
+    /**
+     * Whether the number's latest lookup permits it to be stored on a client — clean, or a hit
+     * the officer explicitly decided to proceed with. A DoT outage is not a pass.
+     */
+    boolean isMobileNumberUsable(String mobileNumber);
+
+    /** Latest lookup status for the number, or null when it has never been checked. */
+    String getLatestStatus(String mobileNumber);
+
+    /**
+     * The most recent time this number was rejected, on any client, or null if never. A number
+     * turned away once should not be screened as if it had no history.
+     */
+    MobileLookupLog findPriorRejection(String mobileNumber);
+
+    /**
+     * Re-screens every active client's mobile numbers against DIP/MNRL, opening a decision row
+     * for each hit.
+     *
+     * <p>
+     * Onboarding-time screening only ever sees a number as it is typed. A number reported for
+     * fraud, or disconnected and reassigned, after the customer was onboarded is otherwise never
+     * detected — and that is precisely the case where the bank's OTPs start reaching a stranger.
+     * </p>
+     *
+     * @return count of numbers that came back flagged
+     */
+    int rescreenExistingClients();
+
+    /**
+     * Display name and account number for the given client ids, keyed by id. Resolved in one
+     * query so a queue of lookups does not issue a round trip per row.
+     */
+    java.util.Map<Long, String[]> resolveClientNames(java.util.Collection<Long> clientIds);
+
+    /** How many clients the re-screen sweep would look at — lets "0 flagged" be interpreted. */
+    int countScreenableClients();
+
+    /**
+     * Marks every open alert on a number as resolved, recording why.
+     *
+     * <p>
+     * Called when the number is replaced on a client: the alert then refers to a number the bank
+     * no longer uses, and leaving it "Awaiting Decision" would misrepresent it as outstanding work.
+     * </p>
+     *
+     * @return how many alerts were closed
+     */
+    int closeOpenAlerts(String mobileNumber, Long clientId, String reason);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/mobilelookup/service/MobileLookupServiceImpl.java

@@ -21,8 +21,13 @@ package org.apache.fineract.portfolio.mobilelookup.service;
 import com.google.gson.JsonElement;
 import com.google.gson.JsonObject;
 import com.google.gson.JsonParser;
+import java.util.Collection;
+import java.util.HashMap;
 import java.util.List;
+import java.util.Map;
 import java.util.Set;
+import java.util.stream.Collectors;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.portfolio.mobilelookup.data.MobileLookupDetailData;
 import org.apache.fineract.portfolio.mobilelookup.data.MobileLookupResult;
 import org.apache.fineract.portfolio.mobilelookup.domain.MobileLookupLog;
@@ -30,6 +35,8 @@ import org.apache.fineract.portfolio.mobilelookup.domain.MobileLookupLogReposito
 import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;
 import org.springframework.beans.factory.annotation.Value;
+import org.springframework.data.domain.PageRequest;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 import org.springframework.web.client.RestTemplate;
@@ -50,15 +57,26 @@ public class MobileLookupServiceImpl implements MobileLookupService {
             "9752123456", "9752345678", "9752987654"
     );
 
+    /** Demo numbers that always return DISCONNECTED (found on the MNRL) without calling the external API. */
+    private static final Set<String> DEMO_DISCONNECTED_NUMBERS = Set.of("9000000001", "9000000002");
+
+    /** Demo numbers that always return SUSPECTED_AND_DISCONNECTED without calling the external API. */
+    private static final Set<String> DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS = Set.of("9000000003");
+
     private final String baseUrl;
+    private final boolean enabled;
     private final RestTemplate restTemplate;
     private final MobileLookupLogRepository logRepository;
+    private final JdbcTemplate jdbcTemplate;
 
     public MobileLookupServiceImpl(@Value("${fineract.mobile-lookup.base-url}") String baseUrl,
-            MobileLookupLogRepository logRepository) {
+            @Value("${fineract.mobile-lookup.enabled:true}") boolean enabled,
+            MobileLookupLogRepository logRepository, JdbcTemplate jdbcTemplate) {
         this.baseUrl = baseUrl;
+        this.enabled = enabled;
         this.restTemplate = new RestTemplate();
         this.logRepository = logRepository;
+        this.jdbcTemplate = jdbcTemplate;
     }
 
     @Override
@@ -94,6 +112,39 @@ public class MobileLookupServiceImpl implements MobileLookupService {
             return MobileLookupResult.clean(logId, trimmed);
         }
 
+        // Demo numbers — return DISCONNECTED (on the MNRL) without calling the external API
+        if (isDemoDisconnectedNumber(trimmed)) {
+            LOG.info("Demo disconnected number detected: {}", trimmed);
+            final MobileLookupDetailData disconnectedDetail = MobileLookupDetailData.forDisconnected(
+                    "Number revoked and listed on MNRL (demo data)", "DEMO");
+            final Long logId = saveLog(trimmed, "DISCONNECTED", false, true,
+                    "Number is DISCONNECTED — found in MNRL records", null, source, clientId);
+            return MobileLookupResult.disconnected(logId, trimmed, disconnectedDetail);
+        }
+
+        // Demo numbers — return SUSPECTED_AND_DISCONNECTED without calling the external API
+        if (isDemoSuspectedAndDisconnectedNumber(trimmed)) {
+            LOG.info("Demo suspected+disconnected number detected: {}", trimmed);
+            final MobileLookupDetailData suspectedDetail = MobileLookupDetailData.forSuspected(
+                    "active", "Demo DIP suspected number", "DEMO");
+            final MobileLookupDetailData disconnectedDetail = MobileLookupDetailData.forDisconnected(
+                    "Number revoked and listed on MNRL (demo data)", "DEMO");
+            final Long logId = saveLog(trimmed, "SUSPECTED_AND_DISCONNECTED", true, true,
+                    "Number is SUSPECTED and DISCONNECTED — found in both DIP and MNRL records", null, source, clientId);
+            return MobileLookupResult.suspectedAndDisconnected(logId, trimmed, suspectedDetail, disconnectedDetail);
+        }
+
+        // Lookup switched off by config (fineract.mobile-lookup.enabled=false) -- skip the external
+        // call entirely rather than fail with a connection error. Logged distinctly from a genuine
+        // CLEAN result so it can never be mistaken for one in an audit trail.
+        if (!enabled) {
+            LOG.info("DIP/MNRL lookup is disabled by configuration — skipping check for {}", trimmed);
+            final Long logId = saveLog(trimmed, MobileLookupLog.STATUS_CLEAN, false, false,
+                    "DIP/MNRL lookup is disabled by configuration — the number was not actually checked.",
+                    "{\"provider\":\"LOOKUP_DISABLED_BY_CONFIG\"}", source, clientId);
+            return MobileLookupResult.clean(logId, trimmed);
+        }
+
         final String url = baseUrl + "/api/v1/lookup/check?mobileNumber=" + trimmed;
 
         LOG.info("Calling DIP/MNRL lookup API: {}", url);
@@ -113,13 +164,194 @@ public class MobileLookupServiceImpl implements MobileLookupService {
                     parsed.getData(), parsed.getTimestamp());
         } catch (Exception e) {
             LOG.error("Failed to call DIP/MNRL lookup API for {}: {}", trimmed, e.getMessage());
-            final Long logId = saveLog(trimmed, "ERROR", false, false,
+            // An unreachable DoT service means the number was NOT checked. It is logged under its
-                    e.getMessage(), rawResponse, source, clientId);
+            // own status rather than ERROR so the queue can distinguish "we could not verify" from
+            // "the lookup itself failed", and it is never presented to the officer as a pass.
+            final Long logId = saveLog(trimmed, MobileLookupLog.STATUS_SERVICE_UNAVAILABLE, false, false,
+                    "DIP/MNRL lookup service is unavailable — the number could not be verified.",
+                    rawResponse, source, clientId);
             return MobileLookupResult.serviceUnavailable(logId, trimmed,
-                    "DIP/MNRL lookup service is unavailable. Number treated as CLEAN by default.");
+                    "DIP/MNRL lookup service is unavailable — the number could not be verified.");
         }
     }
 
+    @Override
+    @Transactional
+    public MobileLookupLog recordDecision(final Long logId, final String decision, final String reason,
+            final Long userId) {
+        final MobileLookupLog log = logRepository.findById(logId)
+                .orElseThrow(() -> new GeneralPlatformDomainRuleException("error.msg.mobile.lookup.not.found",
+                        "Mobile lookup " + logId + " does not exist."));
+
+        final String normalised = decision == null ? "" : decision.trim().toUpperCase();
+        if (!MobileLookupLog.DECISION_PROCEEDED.equals(normalised)
+                && !MobileLookupLog.DECISION_REJECTED.equals(normalised)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.mobile.lookup.decision.invalid",
+                    "Decision must be PROCEEDED or REJECTED.");
+        }
+        // Proceeding past a DIP hit is the judgement call that has to survive an audit, so it
+        // cannot be recorded without the officer's reasoning. Rejecting needs no justification.
+        if (MobileLookupLog.DECISION_PROCEEDED.equals(normalised) && (reason == null || reason.trim().length() < 10)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.mobile.lookup.reason.required",
+                    "Record why this number is acceptable despite the DIP/MNRL result (minimum 10 characters).");
+        }
+
+        log.recordDecision(normalised, reason == null ? null : reason.trim(), userId);
+        logRepository.saveAndFlush(log);
+        LOG.warn("Mobile lookup {} for {} decided as {}", logId, log.getMobileNumber(), normalised);
+        return log;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public List<MobileLookupLog> getPendingDecisions() {
+        return logRepository.findPendingDecisions();
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public boolean isMobileNumberUsable(final String mobileNumber) {
+        if (mobileNumber == null || mobileNumber.isBlank()) {
+            return true;
+        }
+        final MobileLookupLog latest = findLatest(mobileNumber.trim());
+        // No lookup on record is handled by the caller (it decides whether a check is mandatory);
+        // here only an actual result can veto.
+        return latest == null || latest.isUsable();
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public String getLatestStatus(final String mobileNumber) {
+        if (mobileNumber == null || mobileNumber.isBlank()) {
+            return null;
+        }
+        final MobileLookupLog latest = findLatest(mobileNumber.trim());
+        return latest == null ? null : latest.getLookupStatus();
+    }
+
+    /** Newest lookup row for a number, or null when it has never been checked. */
+    private MobileLookupLog findLatest(final String mobileNumber) {
+        final List<MobileLookupLog> rows = logRepository.findLatestByMobileNumber(mobileNumber, PageRequest.of(0, 1));
+        return rows.isEmpty() ? null : rows.get(0);
+    }
+
+    @Override
+    @Transactional
+    public int rescreenExistingClients() {
+        // Active clients only (status 300). A pending client is still inside the onboarding flow,
+        // where the number is screened as it is entered; this sweep exists for the customers that
+        // flow has already finished with. Closed/rejected/withdrawn have no live relationship.
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT id, mobile_no, alternate_mobile_no FROM m_client WHERE status_enum = 300 "
+                        + "AND (mobile_no IS NOT NULL OR alternate_mobile_no IS NOT NULL)");
+
+        LOG.info("DIP/MNRL re-screening starting for {} client(s) with a number on file", rows.size());
+
+        int flagged = 0;
+        for (final Map<String, Object> row : rows) {
+            final Long clientId = ((Number) row.get("id")).longValue();
+            flagged += rescreenNumber((String) row.get("mobile_no"), clientId);
+            flagged += rescreenNumber((String) row.get("alternate_mobile_no"), clientId);
+        }
+        LOG.info("DIP/MNRL re-screening complete: {} number(s) flagged across {} clients", flagged, rows.size());
+        return flagged;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public int countScreenableClients() {
+        final Integer count = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_client WHERE status_enum = 300 "
+                        + "AND (mobile_no IS NOT NULL OR alternate_mobile_no IS NOT NULL)",
+                Integer.class);
+        return count == null ? 0 : count;
+    }
+
+    /** Screens one number, tolerating per-number failure so one bad row cannot abort the sweep. */
+    private int rescreenNumber(final String mobileNumber, final Long clientId) {
+        if (mobileNumber == null || mobileNumber.isBlank()) {
+            return 0;
+        }
+        final String trimmed = mobileNumber.trim();
+
+        // Re-running the sweep must not stack another identical alert onto the queue. An open
+        // alert for this number and client is the same case still awaiting the same decision;
+        // duplicating it buries the real work under repeats of itself. A number already decided
+        // is likewise left alone until its value or decision changes.
+        final MobileLookupLog existing = findLatest(trimmed);
+        if (existing != null && existing.requiresDecision() && java.util.Objects.equals(existing.getClientId(), clientId)) {
+            LOG.debug("Skipping re-screen of {} for client {} — an open alert already exists", trimmed, clientId);
+            return 0;
+        }
+
+        try {
+            final MobileLookupResult result = checkMobileNumber(trimmed, "PERIODIC_RESCREEN", clientId);
+            final boolean hit = result.getData() != null
+                    && (result.getData().isSuspected() || result.getData().isDisconnected());
+            return hit ? 1 : 0;
+        } catch (Exception e) {
+            LOG.error("Re-screening failed for {} (client {}): {}", mobileNumber, clientId, e.getMessage());
+            return 0;
+        }
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public Map<Long, String[]> resolveClientNames(final Collection<Long> clientIds) {
+        final Map<Long, String[]> byId = new HashMap<>();
+        if (clientIds == null || clientIds.isEmpty()) {
+            return byId;
+        }
+        final String placeholders = clientIds.stream().map(id -> "?").collect(Collectors.joining(","));
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT id, display_name, account_no FROM m_client WHERE id IN (" + placeholders + ")",
+                clientIds.toArray());
+
+        for (final Map<String, Object> row : rows) {
+            final Long id = ((Number) row.get("id")).longValue();
+            byId.put(id, new String[] { (String) row.get("display_name"), (String) row.get("account_no") });
+        }
+        return byId;
+    }
+
+    @Override
+    @Transactional
+    public int closeOpenAlerts(final String mobileNumber, final Long clientId, final String reason) {
+        if (mobileNumber == null || mobileNumber.isBlank()) {
+            return 0;
+        }
+        final List<MobileLookupLog> open = logRepository.findByMobileNumber(mobileNumber.trim()).stream()
+                .filter(MobileLookupLog::requiresDecision)
+                .filter(log -> log.getOverrideDecision() == null)
+                .collect(Collectors.toList());
+
+        for (final MobileLookupLog log : open) {
+            // REJECTED is the correct terminal state: the bank turned this number away. It also
+            // keeps isMobileNumberUsable() false, so the number cannot quietly come back into use.
+            log.recordDecision(MobileLookupLog.DECISION_REJECTED, reason, null);
+            if (log.getClientId() == null && clientId != null) {
+                log.setClientId(clientId);
+            }
+        }
+        if (!open.isEmpty()) {
+            logRepository.saveAll(open);
+            logRepository.flush();
+            LOG.info("Closed {} open DIP alert(s) for replaced number {} on client {}", open.size(), mobileNumber, clientId);
+        }
+        return open.size();
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public MobileLookupLog findPriorRejection(final String mobileNumber) {
+        if (mobileNumber == null || mobileNumber.isBlank()) {
+            return null;
+        }
+        final List<MobileLookupLog> rejections = logRepository.findRejections(mobileNumber.trim(), PageRequest.of(0, 1));
+        return rejections.isEmpty() ? null : rejections.get(0);
+    }
+
     @Override
     @Transactional(readOnly = true)
     public List<MobileLookupLog> getLookupLogs() {
@@ -212,6 +444,26 @@ public class MobileLookupServiceImpl implements MobileLookupService {
         return false;
     }
 
+    private boolean isDemoDisconnectedNumber(final String mobileNumber) {
+        if (DEMO_DISCONNECTED_NUMBERS.contains(mobileNumber)) {
+            return true;
+        }
+        if (mobileNumber.startsWith("91") && mobileNumber.length() > 10) {
+            return DEMO_DISCONNECTED_NUMBERS.contains(mobileNumber.substring(2));
+        }
+        return false;
+    }
+
+    private boolean isDemoSuspectedAndDisconnectedNumber(final String mobileNumber) {
+        if (DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS.contains(mobileNumber)) {
+            return true;
+        }
+        if (mobileNumber.startsWith("91") && mobileNumber.length() > 10) {
+            return DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS.contains(mobileNumber.substring(2));
+        }
+        return false;
+    }
+
     private String getStringOrNull(JsonObject json, String key) {
         JsonElement el = json.get(key);
         return (el != null && !el.isJsonNull()) ? el.getAsString() : null;

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/api/SanctionsScreeningApiResource.java

@@ -28,6 +28,7 @@ import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.GET;
 import jakarta.ws.rs.POST;
 import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
@@ -35,6 +36,7 @@ import java.io.InputStream;
 import java.util.HashMap;
 import java.util.List;
 import java.util.Map;
+import java.util.Set;
 import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
@@ -77,6 +79,7 @@ public class SanctionsScreeningApiResource {
     private final DefaultToApiJsonSerializer<SanctionsScreeningResult> screeningResultSerializer;
     private final DefaultToApiJsonSerializer<Map> mapSerializer;
     private final DefaultToApiJsonSerializer<List> listSerializer;
+    private final DefaultToApiJsonSerializer<SanctionsScreeningLogData> logSerializer;
 
     @GET
     @Path("/screen")
@@ -184,10 +187,124 @@ public class SanctionsScreeningApiResource {
             logs = sanctionsScreeningService.getScreeningLogs();
         }
 
-        final List<SanctionsScreeningLogData> logDataList = logs.stream()
+        return listSerializer.serialize(withClientNames(logs));
-                .map(SanctionsScreeningLogData::fromEntity)
+    }
-                .collect(Collectors.toList());
 
-        return listSerializer.serialize(logDataList);
+    /**
+     * Attaches the client's display name and account number to each row. The log stores only the
+     * client id, and a queue of bare ids is not something a reviewing officer can act on.
+     */
+    private List<SanctionsScreeningLogData> withClientNames(final List<SanctionsScreeningLog> logs) {
+        final Set<Long> clientIds = logs.stream().map(SanctionsScreeningLog::getClientId).filter(java.util.Objects::nonNull)
+                .collect(Collectors.toSet());
+        final Map<Long, String[]> names = sanctionsScreeningService.resolveClientNames(clientIds);
+
+        return logs.stream().map(log -> {
+            final String[] client = log.getClientId() == null ? null : names.get(log.getClientId());
+            return SanctionsScreeningLogData.fromEntity(log, client == null ? null : client[0],
+                    client == null ? null : client[1]);
+        }).collect(Collectors.toList());
+    }
+
+    // ── Alert disposition ─────────────────────────────────────────────────────
+    // A flagged screening is a case, not a verdict. These endpoints close it out: the reviewing
+    // officer records whether it is the same person, the Principal Officer signs off, and a
+    // confirmed match carries the FIU-IND / nodal officer reporting references.
+
+    @GET
+    @Path("/alerts")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List sanctions alerts",
+            description = "Flagged screenings and their disposition state. Filter with "
+                    + "?status=PENDING_REVIEW | FALSE_POSITIVE | CONFIRMED_MATCH.")
+    public String getAlerts(
+            @QueryParam("status") @Parameter(description = "Filter by disposition") final String status) {
+        this.context.authenticatedUser().validateHasReadPermission("SANCTIONS");
+
+        return listSerializer.serialize(withClientNames(sanctionsScreeningService.getAlerts(status)));
+    }
+
+    @POST
+    @Path("/alerts/{logId}/disposition")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record the review outcome of a sanctions alert",
+            description = "Body: {\"disposition\": \"FALSE_POSITIVE|CONFIRMED_MATCH\", \"reason\": \"...\"}. "
+                    + "A false positive does not unblock onboarding until it is approved.")
+    public String recordDisposition(@PathParam("logId") final Long logId, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser().validateHasPermissionTo("DISPOSE_SANCTIONS");
+
+        final com.google.gson.JsonObject json = com.google.gson.JsonParser.parseString(apiRequestBodyAsJson).getAsJsonObject();
+        final String disposition = json.has("disposition") ? json.get("disposition").getAsString() : null;
+        final String reason = json.has("reason") ? json.get("reason").getAsString() : null;
+
+        final SanctionsScreeningLogData result = SanctionsScreeningLogData
+                .fromEntity(sanctionsScreeningService.recordDisposition(logId, disposition, reason));
+        return logSerializer.serialize(result);
+    }
+
+    @POST
+    @Path("/alerts/{logId}/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Principal Officer approval of an alert disposition",
+            description = "Approving a FALSE_POSITIVE clears the name for onboarding. Approving a "
+                    + "CONFIRMED_MATCH freezes debits on every active deposit account of the client.")
+    public String approveAlert(@PathParam("logId") final Long logId) {
+        this.context.authenticatedUser().validateHasPermissionTo("APPROVE_SANCTIONS");
+
+        final SanctionsScreeningLogData result = SanctionsScreeningLogData
+                .fromEntity(sanctionsScreeningService.approveDisposition(logId));
+        return logSerializer.serialize(result);
+    }
+
+    @POST
+    @Path("/alerts/{logId}/report")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Record FIU-IND / nodal officer reporting for a confirmed match",
+            description = "Body: {\"fiuStrReference\": \"...\", \"nodalOfficerInformedOn\": \"yyyy-MM-dd\"}")
+    public String recordReporting(@PathParam("logId") final Long logId, final String apiRequestBodyAsJson) {
+        this.context.authenticatedUser().validateHasPermissionTo("APPROVE_SANCTIONS");
+
+        final com.google.gson.JsonObject json = com.google.gson.JsonParser.parseString(apiRequestBodyAsJson).getAsJsonObject();
+        final String strReference = json.has("fiuStrReference") ? json.get("fiuStrReference").getAsString() : null;
+        final String informedOn = json.has("nodalOfficerInformedOn") ? json.get("nodalOfficerInformedOn").getAsString() : null;
+
+        final SanctionsScreeningLogData result = SanctionsScreeningLogData
+                .fromEntity(sanctionsScreeningService.recordReporting(logId, strReference, informedOn));
+        return logSerializer.serialize(result);
+    }
+
+    @GET
+    @Path("/str-cases")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Sanctions STR cases for the FIU-IND screen",
+            description = "Confirmed matches carrying a reporting obligation. Filter with "
+                    + "?status=PENDING_FILING | FILED. Kept separate from transaction-driven AML alerts.")
+    public String getStrCases(
+            @QueryParam("status") @Parameter(description = "PENDING_FILING or FILED") final String status) {
+        this.context.authenticatedUser().validateHasReadPermission("SANCTIONS");
+
+        return listSerializer.serialize(withClientNames(sanctionsScreeningService.getStrCases(status)));
+    }
+
+    @POST
+    @Path("/rescreen")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Re-screen all existing clients against the current list snapshot",
+            description = "Opens a PENDING_REVIEW alert for every existing client that now matches. "
+                    + "This is what detects a customer added to the list after onboarding.")
+    public String rescreenExistingClients() {
+        this.context.authenticatedUser().validateHasPermissionTo("LOAD_SANCTIONS");
+
+        final int flagged = sanctionsScreeningService.rescreenExistingClients();
+        final Map<String, Object> response = new HashMap<>();
+        response.put("message", "Re-screening complete");
+        response.put("clientsFlagged", flagged);
+        return mapSerializer.serialize(response);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/data/SanctionsScreeningLogData.java

@@ -34,14 +34,38 @@ public final class SanctionsScreeningLogData {
     private final String matchedNames;
     private final String screeningSource;
     private final Long clientId;
+    /**
+     * Resolved separately from the log row, which stores only the id. A queue showing a bare
+     * "124" gives the reviewing officer nothing to act on — they need to know who it is.
+     */
+    private final String clientName;
+    private final String clientAccountNo;
     private final String ipAddress;
     private final OffsetDateTime screenedOn;
     private final Long screenedBy;
+    private final String disposition;
+    private final String dispositionReason;
+    private final Long reviewedBy;
+    private final OffsetDateTime reviewedOn;
+    private final Long approvedBy;
+    private final OffsetDateTime approvedOn;
+    private final String fiuStrReference;
+    private final OffsetDateTime nodalOfficerInformedOn;
+    private final String frozenAccountIds;
+    private final OffsetDateTime frozenOn;
+    private final String strStatus;
+    private final String strDueDate;
+    private final String strRaisedOn;
 
     public SanctionsScreeningLogData(final Long id, final String screenedName, final String screeningResult,
             final Integer matchCount, final String matchedEntryIds, final String matchedNames,
-            final String screeningSource, final Long clientId, final String ipAddress,
+            final String screeningSource, final Long clientId, final String clientName, final String clientAccountNo,
-            final OffsetDateTime screenedOn, final Long screenedBy) {
+            final String ipAddress,
+            final OffsetDateTime screenedOn, final Long screenedBy, final String disposition,
+            final String dispositionReason, final Long reviewedBy, final OffsetDateTime reviewedOn,
+            final Long approvedBy, final OffsetDateTime approvedOn, final String fiuStrReference,
+            final OffsetDateTime nodalOfficerInformedOn, final String frozenAccountIds,
+            final OffsetDateTime frozenOn, final String strStatus, final String strDueDate, final String strRaisedOn) {
         this.id = id;
         this.screenedName = screenedName;
         this.screeningResult = screeningResult;
@@ -50,12 +74,32 @@ public final class SanctionsScreeningLogData {
         this.matchedNames = matchedNames;
         this.screeningSource = screeningSource;
         this.clientId = clientId;
+        this.clientName = clientName;
+        this.clientAccountNo = clientAccountNo;
         this.ipAddress = ipAddress;
         this.screenedOn = screenedOn;
         this.screenedBy = screenedBy;
+        this.disposition = disposition;
+        this.dispositionReason = dispositionReason;
+        this.reviewedBy = reviewedBy;
+        this.reviewedOn = reviewedOn;
+        this.approvedBy = approvedBy;
+        this.approvedOn = approvedOn;
+        this.fiuStrReference = fiuStrReference;
+        this.nodalOfficerInformedOn = nodalOfficerInformedOn;
+        this.frozenAccountIds = frozenAccountIds;
+        this.frozenOn = frozenOn;
+        this.strStatus = strStatus;
+        this.strDueDate = strDueDate;
+        this.strRaisedOn = strRaisedOn;
     }
 
     public static SanctionsScreeningLogData fromEntity(final SanctionsScreeningLog log) {
+        return fromEntity(log, null, null);
+    }
+
+    public static SanctionsScreeningLogData fromEntity(final SanctionsScreeningLog log, final String clientName,
+            final String clientAccountNo) {
         return new SanctionsScreeningLogData(
                 log.getId(),
                 log.getScreenedName(),
@@ -65,9 +109,24 @@ public final class SanctionsScreeningLogData {
                 log.getMatchedNames(),
                 log.getScreeningSource(),
                 log.getClientId(),
+                clientName,
+                clientAccountNo,
                 log.getIpAddress(),
                 log.getScreenedOn(),
-                log.getCreatedBy().orElse(null)
+                log.getCreatedBy().orElse(null),
+                log.getDisposition(),
+                log.getDispositionReason(),
+                log.getReviewedBy(),
+                log.getReviewedOn(),
+                log.getApprovedBy(),
+                log.getApprovedOn(),
+                log.getFiuStrReference(),
+                log.getNodalOfficerInformedOn(),
+                log.getFrozenAccountIds(),
+                log.getFrozenOn(),
+                log.getStrStatus(),
+                log.getStrDueDate() != null ? log.getStrDueDate().toString() : null,
+                log.getStrRaisedOn() != null ? log.getStrRaisedOn().toString() : null
         );
     }
 
@@ -79,7 +138,22 @@ public final class SanctionsScreeningLogData {
     public String getMatchedNames() { return matchedNames; }
     public String getScreeningSource() { return screeningSource; }
     public Long getClientId() { return clientId; }
+    public String getClientName() { return clientName; }
+    public String getClientAccountNo() { return clientAccountNo; }
     public String getIpAddress() { return ipAddress; }
     public OffsetDateTime getScreenedOn() { return screenedOn; }
     public Long getScreenedBy() { return screenedBy; }
+    public String getDisposition() { return disposition; }
+    public String getDispositionReason() { return dispositionReason; }
+    public Long getReviewedBy() { return reviewedBy; }
+    public OffsetDateTime getReviewedOn() { return reviewedOn; }
+    public Long getApprovedBy() { return approvedBy; }
+    public OffsetDateTime getApprovedOn() { return approvedOn; }
+    public String getFiuStrReference() { return fiuStrReference; }
+    public OffsetDateTime getNodalOfficerInformedOn() { return nodalOfficerInformedOn; }
+    public String getFrozenAccountIds() { return frozenAccountIds; }
+    public OffsetDateTime getFrozenOn() { return frozenOn; }
+    public String getStrStatus() { return strStatus; }
+    public String getStrDueDate() { return strDueDate; }
+    public String getStrRaisedOn() { return strRaisedOn; }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/service/SanctionsFreezeService.java

@@ -0,0 +1,117 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.sanctions.service;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.stream.Collectors;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountRepository;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountStatusType;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountSubStatusEnum;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Freezes and releases a client's deposit accounts when a UNSC sanctions match is confirmed.
+ *
+ * <p>
+ * Under Section 51-A UAPA 1967 a confirmed match means funds may not move OUT — the account is
+ * not closed and incoming credits are not refused, so this applies a debit block rather than a
+ * full account block. Freezing is only reachable for a client that already exists; a match at
+ * onboarding has no account to freeze and is handled by refusing to create the client at all.
+ * </p>
+ */
+@Service
+@RequiredArgsConstructor
+public class SanctionsFreezeService {
+
+    private static final Logger LOG = LoggerFactory.getLogger(SanctionsFreezeService.class);
+
+    private final SavingsAccountRepository savingsAccountRepository;
+
+    /**
+     * Blocks debits on every active savings account of the client.
+     *
+     * @return comma-separated ids of the accounts actually frozen (empty string when the client
+     *         has no active account — a legitimate outcome, not an error)
+     */
+    @Transactional
+    public String freezeClientAccounts(final Long clientId, final Long alertId) {
+        if (clientId == null) {
+            return "";
+        }
+        final List<SavingsAccount> accounts = savingsAccountRepository.findSavingAccountByClientId(clientId);
+        final List<String> frozen = new ArrayList<>();
+
+        for (final SavingsAccount account : accounts) {
+            // blockDebits() rejects anything not ACTIVE and anything already fully blocked. Filter
+            // here rather than catching, so a closed or already-frozen account is a skip, not noise.
+            if (!SavingsAccountStatusType.ACTIVE.hasStateOf(account.getStatus())) {
+                continue;
+            }
+            final SavingsAccountSubStatusEnum subStatus = SavingsAccountSubStatusEnum.fromInt(account.getSubStatus());
+            if (SavingsAccountSubStatusEnum.BLOCK.hasStateOf(subStatus)
+                    || SavingsAccountSubStatusEnum.BLOCK_DEBIT.hasStateOf(subStatus)) {
+                frozen.add(String.valueOf(account.getId()));
+                continue;
+            }
+            try {
+                account.blockDebits(account.getSubStatus());
+                savingsAccountRepository.save(account);
+                frozen.add(String.valueOf(account.getId()));
+                LOG.warn("Sanctions alert {}: debits blocked on savings account {} of client {}", alertId, account.getId(),
+                        clientId);
+            } catch (Exception e) {
+                // One un-freezable account must not abort the freeze of the others.
+                LOG.error("Sanctions alert {}: could not block debits on savings account {}: {}", alertId, account.getId(),
+                        e.getMessage());
+            }
+        }
+        return frozen.stream().collect(Collectors.joining(","));
+    }
+
+    /**
+     * Releases the debit block. Only ever called on de-listing or revocation of the order, and
+     * only from the Principal Officer approval path.
+     */
+    @Transactional
+    public void unfreezeClientAccounts(final Long clientId) {
+        if (clientId == null) {
+            return;
+        }
+        for (final SavingsAccount account : savingsAccountRepository.findSavingAccountByClientId(clientId)) {
+            final SavingsAccountSubStatusEnum subStatus = SavingsAccountSubStatusEnum.fromInt(account.getSubStatus());
+            if (!(SavingsAccountSubStatusEnum.BLOCK_DEBIT.hasStateOf(subStatus)
+                    || SavingsAccountSubStatusEnum.BLOCK.hasStateOf(subStatus))) {
+                continue;
+            }
+            try {
+                account.unblockDebits();
+                savingsAccountRepository.save(account);
+                LOG.info("Debits released on savings account {} of client {}", account.getId(), clientId);
+            } catch (Exception e) {
+                LOG.error("Could not release debits on savings account {}: {}", account.getId(), e.getMessage());
+            }
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/service/SanctionsScreeningService.java

@@ -59,4 +59,77 @@ public interface SanctionsScreeningService {
      * Search screening logs by screened name.
      */
     List<SanctionsScreeningLog> searchScreeningLogs(String name);
+
+    /**
+     * Alerts awaiting or carrying a disposition. Pass null for every alert regardless of state.
+     */
+    List<SanctionsScreeningLog> getAlerts(String disposition);
+
+    /**
+     * Records the reviewing officer's assessment of a flagged screening.
+     *
+     * @param logId       the flagged screening log id
+     * @param disposition FALSE_POSITIVE or CONFIRMED_MATCH
+     * @param reason      mandatory narrative of the identifier comparison
+     */
+    SanctionsScreeningLog recordDisposition(Long logId, String disposition, String reason);
+
+    /**
+     * Principal Officer sign-off. Approving a FALSE_POSITIVE is what actually unblocks
+     * onboarding; approving a CONFIRMED_MATCH triggers the freeze of the client's accounts.
+     */
+    SanctionsScreeningLog approveDisposition(Long logId);
+
+    /**
+     * Records the FIU-IND STR reference and the date the nodal officer was informed, closing
+     * out the 24-hour reporting obligation on a confirmed match.
+     */
+    SanctionsScreeningLog recordReporting(Long logId, String strReference, String nodalOfficerInformedOn);
+
+    /**
+     * True when this exact name carries a false positive that the Principal Officer approved —
+     * the only condition under which a matched name may be onboarded.
+     */
+    boolean hasApprovedFalsePositive(String name);
+
+    /**
+     * Match check that does NOT write an activity log entry.
+     *
+     * <p>
+     * Used by the server-side onboarding gate, which runs on every save attempt: logging there
+     * would stack a fresh alert onto the queue each time the officer retries a blocked client,
+     * burying the one real case under duplicates. The screening that belongs in the log is the
+     * one the officer deliberately ran from the UI.
+     * </p>
+     */
+    boolean isNameSanctioned(String name);
+
+    /**
+     * Re-screens every existing client against the currently loaded list snapshot, opening an
+     * alert for each hit. This is what makes freezing reachable at all: without it a customer
+     * added to the list after onboarding is never detected.
+     *
+     * @return number of clients that produced a new flagged alert
+     */
+    int rescreenExistingClients();
+
+    /**
+     * Display name and account number for the given client ids, keyed by id. Resolved in one
+     * query so a queue of alerts does not issue a round trip per row.
+     */
+    java.util.Map<Long, String[]> resolveClientNames(java.util.Collection<Long> clientIds);
+
+    /**
+     * Disposition of the client's most recent flagged alert (PENDING_REVIEW / FALSE_POSITIVE /
+     * CONFIRMED_MATCH), or null when they carry none. Drives the badge on the client's own page.
+     */
+    String getLatestAlertStatus(Long clientId);
+
+    /**
+     * Confirmed matches carrying an STR obligation — the sanctions stream shown on the FIU-IND
+     * screen, deliberately separate from transaction-driven AML alerts.
+     *
+     * @param status PENDING_FILING or FILED; null for all
+     */
+    List<SanctionsScreeningLog> getStrCases(String status);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/sanctions/service/SanctionsScreeningServiceImpl.java

@@ -18,10 +18,19 @@
  */
 package org.apache.fineract.portfolio.sanctions.service;
 
+import java.time.LocalDate;
 import java.time.OffsetDateTime;
+import java.time.ZoneOffset;
+import java.time.format.DateTimeParseException;
+import java.util.Collection;
+import java.util.HashMap;
 import java.util.List;
+import java.util.Map;
 import java.util.stream.Collectors;
+import java.util.stream.Stream;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.sanctions.data.SanctionsMatchData;
 import org.apache.fineract.portfolio.sanctions.data.SanctionsScreeningResult;
 import org.apache.fineract.portfolio.sanctions.domain.SanctionsAlias;
@@ -31,6 +40,7 @@ import org.apache.fineract.portfolio.sanctions.domain.SanctionsScreeningLog;
 import org.apache.fineract.portfolio.sanctions.domain.SanctionsScreeningLogRepository;
 import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -42,6 +52,9 @@ public class SanctionsScreeningServiceImpl implements SanctionsScreeningService
 
     private final SanctionsEntryRepository sanctionsEntryRepository;
     private final SanctionsScreeningLogRepository screeningLogRepository;
+    private final SanctionsFreezeService sanctionsFreezeService;
+    private final PlatformSecurityContext context;
+    private final JdbcTemplate jdbcTemplate;
 
     @Override
     @Transactional
@@ -113,6 +126,288 @@ public class SanctionsScreeningServiceImpl implements SanctionsScreeningService
         return screeningLogRepository.findByScreenedNameContaining(name);
     }
 
+    // ── Alert disposition ─────────────────────────────────────────────────────
+
+    @Override
+    @Transactional(readOnly = true)
+    public List<SanctionsScreeningLog> getAlerts(final String disposition) {
+        if (disposition == null || disposition.isBlank()) {
+            return screeningLogRepository.findAllAlerts();
+        }
+        return screeningLogRepository.findByDisposition(disposition.toUpperCase());
+    }
+
+    @Override
+    @Transactional
+    public SanctionsScreeningLog recordDisposition(final Long logId, final String disposition, final String reason) {
+        final SanctionsScreeningLog log = findAlertOrThrow(logId);
+
+        final String normalised = disposition == null ? "" : disposition.trim().toUpperCase();
+        if (!SanctionsScreeningLog.DISPOSITION_FALSE_POSITIVE.equals(normalised)
+                && !SanctionsScreeningLog.DISPOSITION_CONFIRMED.equals(normalised)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.disposition.invalid",
+                    "Disposition must be FALSE_POSITIVE or CONFIRMED_MATCH.");
+        }
+        // The written reason IS the compliance record — an unexplained "not the same person" is
+        // exactly what a regulator would treat as no review having happened at all.
+        if (reason == null || reason.trim().length() < 10) {
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.disposition.reason.required",
+                    "Record which identifiers were compared and why (minimum 10 characters).");
+        }
+
+        log.recordDisposition(normalised, reason.trim(), currentUserId());
+        screeningLogRepository.saveAndFlush(log);
+        LOG.warn("Sanctions alert {} for '{}' dispositioned as {}", logId, log.getScreenedName(), normalised);
+        return log;
+    }
+
+    @Override
+    @Transactional
+    public SanctionsScreeningLog approveDisposition(final Long logId) {
+        final SanctionsScreeningLog log = findAlertOrThrow(logId);
+
+        if (SanctionsScreeningLog.DISPOSITION_PENDING.equals(log.getDisposition())) {
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.alert.not.reviewed",
+                    "This alert has not been reviewed yet — record a disposition before approving.");
+        }
+        final Long approverId = currentUserId();
+        // Maker-checker: whoever assessed the hit cannot also sign it off.
+        if (approverId != null && approverId.equals(log.getReviewedBy())) {
+            // Naming the reviewer turns a dead end into an instruction: the officer can see at a
+            // glance that they are the maker and that somebody else has to sign it off.
+            final String reviewer = resolveUsername(log.getReviewedBy());
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.alert.self.approval",
+                    "This alert was assessed by '" + reviewer + "'. A different officer with the "
+                            + "APPROVE_SANCTIONS permission must approve it.",
+                    reviewer);
+        }
+
+        log.approve(approverId);
+
+        // Approving a confirmed match is the moment the freeze becomes due. Onboarding matches
+        // have no clientId and therefore nothing to freeze — that case is blocked at creation.
+        if (log.isConfirmedMatch() && log.getClientId() != null) {
+            final String frozen = sanctionsFreezeService.freezeClientAccounts(log.getClientId(), log.getId());
+            log.recordFreeze(frozen);
+            LOG.warn("Sanctions alert {}: froze accounts [{}] for client {}", logId, frozen, log.getClientId());
+        }
+        // A confirmed match is reportable under PMLA, so approval opens the STR obligation and the
+        // case becomes visible on the FIU-IND screen. Kept on this row rather than pushed into the
+        // AML alert pipeline — that pipeline is transaction-driven and this is identity-driven.
+        if (log.isConfirmedMatch()) {
+            log.raiseStr();
+        }
+        // A cleared false positive releases any freeze the alert previously imposed.
+        if (log.isApprovedFalsePositive() && log.getFrozenAccountIds() != null && !log.getFrozenAccountIds().isBlank()) {
+            sanctionsFreezeService.unfreezeClientAccounts(log.getClientId());
+            log.recordFreeze("");
+        }
+
+        screeningLogRepository.saveAndFlush(log);
+        return log;
+    }
+
+    @Override
+    @Transactional
+    public SanctionsScreeningLog recordReporting(final Long logId, final String strReference,
+            final String nodalOfficerInformedOn) {
+        final SanctionsScreeningLog log = findAlertOrThrow(logId);
+        if (!log.isConfirmedMatch()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.reporting.not.confirmed",
+                    "Only a confirmed match is reported to FIU-IND and the nodal officer.");
+        }
+        log.recordReporting(strReference, parseDateTime(nodalOfficerInformedOn));
+        screeningLogRepository.saveAndFlush(log);
+        return log;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public boolean hasApprovedFalsePositive(final String name) {
+        if (name == null || name.isBlank()) {
+            return false;
+        }
+        return screeningLogRepository.countApprovedFalsePositives(name.trim()) > 0;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public boolean isNameSanctioned(final String name) {
+        if (name == null || name.isBlank()) {
+            return false;
+        }
+        return !sanctionsEntryRepository.searchByNameOrAlias(name.trim()).isEmpty();
+    }
+
+    @Override
+    @Transactional
+    public int rescreenExistingClients() {
+        // display_name is denormalised from the name parts and can drift out of sync with them —
+        // a direct DB edit, or any write path that misses it, leaves it stale. Screening the
+        // stale value would silently clear a client whose actual name is on the list, so the
+        // name parts are rebuilt here and display_name used only as the fallback.
+        final List<Map<String, Object>> clients = jdbcTemplate.queryForList(
+                "SELECT id, firstname, middlename, lastname, fullname, display_name FROM m_client "
+                        + "WHERE status_enum = 300");
+
+        int flagged = 0;
+        for (final Map<String, Object> row : clients) {
+            final Long clientId = ((Number) row.get("id")).longValue();
+            final String name = resolveScreenableName(row);
+            if (name == null || name.isBlank()) {
+                continue;
+            }
+            // Re-running the sweep must not stack another identical alert onto the queue. An open
+            // alert for this client is the same case still awaiting the same decision; repeating
+            // it buries the real work under copies of itself.
+            if (hasOpenAlert(clientId)) {
+                continue;
+            }
+            try {
+                final SanctionsScreeningResult result = screenName(name, "PERIODIC_RESCREEN", clientId, null);
+                if (result.isMatchFound()) {
+                    flagged++;
+                }
+            } catch (Exception e) {
+                LOG.error("Re-screening failed for client {} ('{}'): {}", clientId, name, e.getMessage());
+            }
+        }
+        LOG.info("Periodic re-screening complete: {} of {} clients flagged", flagged, clients.size());
+        return flagged;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public Map<Long, String[]> resolveClientNames(final Collection<Long> clientIds) {
+        final Map<Long, String[]> byId = new HashMap<>();
+        if (clientIds == null || clientIds.isEmpty()) {
+            return byId;
+        }
+        final String placeholders = clientIds.stream().map(id -> "?").collect(Collectors.joining(","));
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT id, display_name, account_no FROM m_client WHERE id IN (" + placeholders + ")",
+                clientIds.toArray());
+
+        for (final Map<String, Object> row : rows) {
+            final Long id = ((Number) row.get("id")).longValue();
+            byId.put(id, new String[] { (String) row.get("display_name"), (String) row.get("account_no") });
+        }
+        return byId;
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public String getLatestAlertStatus(final Long clientId) {
+        if (clientId == null) {
+            return null;
+        }
+        // findFlaggedByClientId already orders newest first.
+        return screeningLogRepository.findFlaggedByClientId(clientId).stream().map(SanctionsScreeningLog::getDisposition)
+                .filter(java.util.Objects::nonNull).findFirst().orElse(null);
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public List<SanctionsScreeningLog> getStrCases(final String status) {
+        final String normalised = status == null || status.isBlank() ? null : status.trim().toUpperCase();
+        return screeningLogRepository.findStrCases(normalised);
+    }
+
+    /** Username for a user id, falling back to the id when it cannot be resolved. */
+    private String resolveUsername(final Long userId) {
+        if (userId == null) {
+            return "unknown";
+        }
+        try {
+            final List<Map<String, Object>> rows = jdbcTemplate
+                    .queryForList("SELECT username FROM m_appuser WHERE id = ?", userId);
+            return rows.isEmpty() ? ("user " + userId) : (String) rows.get(0).get("username");
+        } catch (Exception e) {
+            return "user " + userId;
+        }
+    }
+
+    /** True when the client already has a flagged alert nobody has dispositioned yet. */
+    private boolean hasOpenAlert(final Long clientId) {
+        return screeningLogRepository.findFlaggedByClientId(clientId).stream().anyMatch(log -> {
+            // Unassessed — still the same case awaiting the same decision.
+            if (SanctionsScreeningLog.DISPOSITION_PENDING.equals(log.getDisposition())) {
+                return true;
+            }
+            // Assessed but not yet signed off, or a standing confirmed match. Checking only for
+            // PENDING_REVIEW left a hole: the moment an officer recorded an assessment the guard
+            // stopped seeing the alert, so every later sweep raised a fresh duplicate of a case
+            // that was already being worked — or already confirmed and frozen.
+            if (log.getApprovedBy() == null) {
+                return true;
+            }
+            return log.isConfirmedMatch();
+        });
+    }
+
+    /**
+     * The name to screen for a client row, built from the authoritative name columns.
+     *
+     * <p>
+     * An entity carries {@code fullname}; a person carries first/middle/last. Both are the source
+     * of truth, whereas {@code display_name} is a derived copy that can lag behind them. Falling
+     * back to it only when no name part exists keeps legacy rows screenable without trusting a
+     * value that may be stale.
+     * </p>
+     */
+    private String resolveScreenableName(final Map<String, Object> row) {
+        final String fullname = trimToNull((String) row.get("fullname"));
+        if (fullname != null) {
+            return fullname;
+        }
+        final String joined = Stream.of("firstname", "middlename", "lastname").map(col -> trimToNull((String) row.get(col)))
+                .filter(part -> part != null).collect(Collectors.joining(" "));
+        if (!joined.isBlank()) {
+            return joined;
+        }
+        return trimToNull((String) row.get("display_name"));
+    }
+
+    private String trimToNull(final String value) {
+        if (value == null) {
+            return null;
+        }
+        final String trimmed = value.trim();
+        return trimmed.isEmpty() ? null : trimmed;
+    }
+
+    private SanctionsScreeningLog findAlertOrThrow(final Long logId) {
+        final SanctionsScreeningLog log = screeningLogRepository.findById(logId)
+                .orElseThrow(() -> new GeneralPlatformDomainRuleException("error.msg.sanctions.alert.not.found",
+                        "Sanctions alert " + logId + " does not exist."));
+        if (!log.isFlagged()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.sanctions.alert.not.flagged",
+                    "Screening " + logId + " produced no match, so there is nothing to disposition.");
+        }
+        return log;
+    }
+
+    private Long currentUserId() {
+        try {
+            return context.authenticatedUser().getId();
+        } catch (Exception e) {
+            // Re-screening runs from a scheduler with no authenticated user.
+            return null;
+        }
+    }
+
+    private OffsetDateTime parseDateTime(final String value) {
+        if (value == null || value.isBlank()) {
+            return null;
+        }
+        try {
+            return LocalDate.parse(value.trim()).atStartOfDay().atOffset(ZoneOffset.UTC);
+        } catch (DateTimeParseException e) {
+            LOG.debug("Could not parse nodal officer date: {}", value);
+            return null;
+        }
+    }
+
     private Long saveLog(final String screenedName, final String result, final int matchCount,
             final String matchedEntryIds, final String matchedNames, final String source,
             final Long clientId, final String ipAddress) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/api/CurrentAccountsApiResource.java

@@ -18,6 +18,11 @@
  */
 package org.apache.fineract.portfolio.savings.api;
 
+import static org.apache.fineract.infrastructure.documentmanagement.api.DocumentApiConstants.DOCUMENT_API_PARAM_DESCRIPTION;
+import static org.apache.fineract.infrastructure.documentmanagement.api.DocumentApiConstants.DOCUMENT_API_PARAM_FILE;
+import static org.apache.fineract.infrastructure.documentmanagement.api.DocumentApiConstants.DOCUMENT_API_PARAM_NAME;
+import static org.springframework.http.HttpHeaders.CONTENT_LENGTH;
+
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.Parameter;
 import io.swagger.v3.oas.annotations.responses.ApiResponse;
@@ -26,6 +31,7 @@ import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.DELETE;
 import jakarta.ws.rs.DefaultValue;
 import jakarta.ws.rs.GET;
+import jakarta.ws.rs.HeaderParam;
 import jakarta.ws.rs.POST;
 import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
@@ -34,9 +40,11 @@ import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.Context;
 import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.Response;
 import jakarta.ws.rs.core.UriInfo;
 import com.google.gson.Gson;
 import com.google.gson.GsonBuilder;
+import java.io.InputStream;
 import java.time.LocalDate;
 import java.util.Collection;
 import java.util.List;
@@ -50,6 +58,10 @@ import org.apache.fineract.infrastructure.core.exception.UnrecognizedQueryParamE
 import org.apache.fineract.infrastructure.core.serialization.ApiRequestJsonSerializationSettings;
 import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
 import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.documentmanagement.api.DocumentApiResource;
+import org.apache.fineract.infrastructure.documentmanagement.data.DocumentCreateResponse;
+import org.apache.fineract.infrastructure.documentmanagement.data.DocumentData;
+import org.apache.fineract.infrastructure.documentmanagement.data.DocumentDeleteResponse;
 import org.apache.fineract.infrastructure.security.exception.NoAuthorizationException;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.infrastructure.security.service.SqlValidator;
@@ -63,6 +75,9 @@ import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformS
 import org.apache.fineract.portfolio.currentaccount.service.CurrentAccountEditWritePlatformService;
 import org.apache.fineract.portfolio.currentaccount.service.CurrentAccountWritePlatformService;
 import org.apache.fineract.portfolio.savings.service.CurrentAccountTemplateReadPlatformService;
+import org.glassfish.jersey.media.multipart.FormDataBodyPart;
+import org.glassfish.jersey.media.multipart.FormDataContentDisposition;
+import org.glassfish.jersey.media.multipart.FormDataParam;
 import org.springframework.stereotype.Component;
 
 @Path("/v1/currentaccounts")
@@ -84,6 +99,10 @@ public class CurrentAccountsApiResource {
     private final CurrentAccountEditWritePlatformService currentAccountEditWritePlatformService;
     private final FromJsonHelper fromApiJsonHelper;
     private final DefaultToApiJsonSerializer<CurrentAccountPendingEditData> pendingEditApiJsonSerializer;
+    private final DocumentApiResource documentApiResource;
+
+    /** Matches the {@code entityType} current-account document requests are stored/looked up under. */
+    private static final String DOCUMENT_ENTITY_TYPE = "currentaccounts";
 
     @GET
     @Path("template")
@@ -337,4 +356,54 @@ public class CurrentAccountsApiResource {
         return this.toApiJsonSerializer.serialize(result);
     }
 
+    // ── Documents ────────────────────────────────────────────────────────────
+    // The generic /v1/{entityType}/{entityId}/documents resource (DocumentApiResource) never gets a
+    // chance to handle current-account requests: this class's own literal /v1/currentaccounts path
+    // is matched first for anything under {accountId}, and it has no "documents" method, so the
+    // request dead-ends in a 404 instead of falling through. These delegate straight to the same
+    // DocumentApiResource so current accounts get identical document-management behaviour.
+
+    @GET
+    @Path("{accountId}/documents")
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List documents attached to a current account")
+    @ApiResponse(responseCode = "200", description = "OK")
+    public List<DocumentData> retrieveDocuments(@PathParam("accountId") final Long accountId) {
+        return documentApiResource.retrieveAllDocuments(DOCUMENT_ENTITY_TYPE, accountId);
+    }
+
+    @GET
+    @Path("{accountId}/documents/{documentId}/attachment")
+    @Produces({ MediaType.APPLICATION_OCTET_STREAM })
+    @Operation(summary = "Download a document attached to a current account")
+    @ApiResponse(responseCode = "200", description = "Not Shown: The corresponding Binary file")
+    public Response downloadDocument(@PathParam("accountId") final Long accountId, @PathParam("documentId") final Long documentId) {
+        return documentApiResource.downloadFile(DOCUMENT_ENTITY_TYPE, accountId, documentId);
+    }
+
+    @POST
+    @Path("{accountId}/documents")
+    @Consumes({ MediaType.MULTIPART_FORM_DATA })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Attach a document to a current account")
+    @ApiResponse(responseCode = "200", description = "Not Shown (multi-part form data)")
+    public DocumentCreateResponse createDocument(@PathParam("accountId") final Long accountId,
+            @HeaderParam(CONTENT_LENGTH) final Long fileSize, @FormDataParam(DOCUMENT_API_PARAM_FILE) final InputStream inputStream,
+            @FormDataParam(DOCUMENT_API_PARAM_FILE) final FormDataContentDisposition fileDetails,
+            @FormDataParam(DOCUMENT_API_PARAM_FILE) final FormDataBodyPart filePart,
+            @FormDataParam(DOCUMENT_API_PARAM_NAME) final String name,
+            @FormDataParam(DOCUMENT_API_PARAM_DESCRIPTION) final String description) {
+        return documentApiResource.createDocument(DOCUMENT_ENTITY_TYPE, accountId, fileSize, inputStream, fileDetails, filePart, name,
+                description);
+    }
+
+    @DELETE
+    @Path("{accountId}/documents/{documentId}")
+    @Operation(summary = "Remove a document attached to a current account")
+    @ApiResponse(responseCode = "200", description = "OK")
+    public DocumentDeleteResponse deleteDocument(@PathParam("accountId") final Long accountId,
+            @PathParam("documentId") final Long documentId) {
+        return documentApiResource.deleteDocument(DOCUMENT_ENTITY_TYPE, accountId, documentId);
+    }
+
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/api/FixedDepositProductsBaseInterestRatesApiResource.java

@@ -29,6 +29,10 @@ import jakarta.ws.rs.core.MediaType;
 import java.time.LocalDate;
 import java.util.List;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.service.CommandWrapperBuilder;
+import org.apache.fineract.commands.service.PortfolioCommandSourceWritePlatformService;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.savings.DepositsApiConstants;
 import org.apache.fineract.portfolio.savings.data.FdInterestRateEffectiveData;
@@ -42,6 +46,7 @@ public class FixedDepositProductsBaseInterestRatesApiResource {
 
     private final PlatformSecurityContext context;
     private final FdBaseInterestRateReadPlatformService fdBaseInterestRateReadPlatformService;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final Gson gson = new GsonBuilder()
             .registerTypeAdapter(LocalDate.class,
                     (JsonSerializer<LocalDate>) (src, typeOfSrc, ctx) -> new JsonPrimitive(src.toString()))
@@ -77,11 +82,11 @@ public class FixedDepositProductsBaseInterestRatesApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Save new FD base interest rate version", description = "Creates a new FD CBS base chart version for the given fdType and deactivates the previous active version.")
     @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
-    public String saveInterestRates(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+    public CommandProcessingResult saveInterestRates(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
-        this.context.authenticatedUser().validateHasReadPermission(DepositsApiConstants.FIXED_DEPOSIT_PRODUCT_RESOURCE_NAME);
+        final CommandWrapper commandRequest = new CommandWrapperBuilder()
-        final FdInterestRateSaveRequest request = gson.fromJson(apiRequestBodyAsJson, FdInterestRateSaveRequest.class);
+                .createCbsBaseInterestRate()
-        final Long createdById = this.context.authenticatedUser().getId();
+                .withJson(apiRequestBodyAsJson)
-        final FdInterestRateEffectiveData saved = this.fdBaseInterestRateReadPlatformService.saveInterestRates(request, createdById);
+                .build();
-        return gson.toJson(saved);
+        return this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/FixedDepositAccount.java

@@ -435,7 +435,10 @@ public class FixedDepositAccount extends SavingsAccount {
 
     @Override
     public Money activateWithBalance() {
-        return Money.of(this.currency, this.accountTermAndPreClosure.depositAmount());
+        // Activation never deposits money -- funding happens strictly through a separate deposit
+        // transaction (posted by a clerk) after the account is already active, regardless of the
+        // deposit amount configured on the account's term/pre-closure details.
+        return Money.zero(this.currency);
     }
 
     public void close(final AppUser currentUser, final JsonCommand command, final Map<String, Object> actualChanges) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RecurringDepositAccount.java

@@ -552,7 +552,10 @@ public class RecurringDepositAccount extends SavingsAccount {
 
     @Override
     public Money activateWithBalance() {
-        return Money.of(this.currency, this.minRequiredOpeningBalance);
+        // Activation never deposits money -- funding happens strictly through a separate deposit
+        // transaction (posted by a clerk) after the account is already active, regardless of any
+        // minimum required opening balance the product has configured.
+        return Money.zero(this.currency);
     }
 
     protected void processAccountUponActivation(final DateTimeFormatter fmt, final boolean postReversals,

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/SavingsAccountAssembler.java

@@ -19,7 +19,6 @@
 package org.apache.fineract.portfolio.savings.domain;
 
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.SAVINGS_ACCOUNT_RESOURCE_NAME;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.accountFacilityConfigParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.accountNoParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.accountStatusParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.guardianClientIdParamName;
@@ -455,18 +454,10 @@ public class SavingsAccountAssembler {
         account.setLinkedAccountType(this.fromApiJsonHelper.extractStringNamed(linkedAccountTypeParamName, element));
         account.setLinkedAccountNo(this.fromApiJsonHelper.extractStringNamed(linkedAccountNoParamName, element));
 
-        // Account Facility Config
+        // Every digital facility starts disabled at account opening, regardless of anything the
-        if (element.getAsJsonObject().has(accountFacilityConfigParamName)) {
+        // request sends or the product defaults to -- they're switched on deliberately, one at a
-            final JsonElement configEl = element.getAsJsonObject().get(accountFacilityConfigParamName);
+        // time, later, through the account's own Edit Nominee & Features screen.
-            if (configEl != null && !configEl.isJsonNull() && configEl.isJsonObject()) {
+        account.setFacilityConfig(new SavingsAccountFacilityConfig(account));
-                SavingsAccountFacilityConfig facilityConfig = account.getFacilityConfig();
-                if (facilityConfig == null) {
-                    facilityConfig = new SavingsAccountFacilityConfig(account);
-                    account.setFacilityConfig(facilityConfig);
-                }
-                facilityConfig.updateFrom(configEl.getAsJsonObject());
-            }
-        }
 
         // Joint holders
         if (element.getAsJsonObject().has(jointHoldersParamName)) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/handler/CreateCbsBaseInterestRateCommandHandler.java

@@ -0,0 +1,42 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateWritePlatformService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "CBSBASEINTERESTRATE", action = "CREATE")
+@RequiredArgsConstructor
+public class CreateCbsBaseInterestRateCommandHandler implements NewCommandSourceHandler {
+
+    private final FdBaseInterestRateWritePlatformService writePlatformService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.writePlatformService.saveInterestRates(command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/CurrentAccountTransactionWritePlatformServiceImpl.java

@@ -133,18 +133,10 @@ public class CurrentAccountTransactionWritePlatformServiceImpl implements Curren
                     "Insufficient available balance. Available: " + available + ", Requested: " + amount, accountId);
         }
 
-        // Minimum required balance validation
+        // Minimum required balance is not enforced -- a withdrawal must never be blocked for
+        // taking the account below its configured minimum, only for exceeding the available
+        // balance (checked above).
         final BigDecimal newBalance = currentBalance.subtract(amount);
-        if (account.isEnforceMinRequiredBalance() && account.getMinRequiredBalance() != null
-                && account.getMinRequiredBalance().compareTo(BigDecimal.ZERO) > 0) {
-            if (newBalance.compareTo(account.getMinRequiredBalance()) < 0) {
-                throw new GeneralPlatformDomainRuleException(
-                        "error.msg.current.account.min.required.balance.breached",
-                        "Withdrawal of " + amount + " would breach the minimum required balance of "
-                        + account.getMinRequiredBalance() + ". Balance after withdrawal would be " + newBalance,
-                        accountId);
-            }
-        }
 
         final String refNo = command.stringValueOfParameterNamed("accountNumber");
         final CurrentAccountTransaction txn = CurrentAccountTransaction.withdrawal(account, office, amount, txnDate, refNo);

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/CurrentAccountWritePlatformServiceImpl.java

@@ -227,12 +227,10 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
             clientNomineeWritePlatformService.saveNomineeIfPresent(clientId, accountNo, "CB", json.get("nominee"));
         }
 
-        // Facility config — UI sends "accountFacilityConfig", internal uses "facilityConfig"
+        // Every digital facility starts disabled at account opening, regardless of anything the
-        JsonObject fcJson = json.getAsJsonObject("accountFacilityConfig");
+        // request sends or the product defaults to -- they're switched on deliberately, one at a
-        if (fcJson == null) fcJson = json.getAsJsonObject("facilityConfig");
+        // time, later, through the account's own Edit Nominee & Features screen.
-        if (fcJson != null) {
+        account.setFacilityConfig(CurrentAccountFacilityConfig.createFor(account));
-            account.setFacilityConfig(assembleFacilityConfig(account, fcJson));
-        }
 
         // Joint holders
         if (json.has("jointHolders") && json.get("jointHolders").isJsonArray()) {
@@ -294,61 +292,16 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
         final JsonObject json = command.parsedJson().getAsJsonObject();
         LocalDate activatedOnDate = parseDate(getString(json, "activatedOnDate"), getString(json, "dateFormat"), getString(json, "locale"));
         if (activatedOnDate == null) activatedOnDate = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
-        // Validate minimum opening balance before activation
-        java.math.BigDecimal openingBalanceValue = java.math.BigDecimal.ZERO;
-        if (json.has("openingBalance") && !json.get("openingBalance").isJsonNull()) {
-            try { openingBalanceValue = json.get("openingBalance").getAsBigDecimal(); } catch (Exception ignored) {
-            // intentionally ignored
-        }
-        }
-        final java.math.BigDecimal minRequired = account.getMinRequiredOpeningBalance();
-        if (minRequired != null && minRequired.compareTo(java.math.BigDecimal.ZERO) > 0
-                && openingBalanceValue.compareTo(minRequired) < 0) {
-            throw new org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException(
-                    java.util.List.of(org.apache.fineract.infrastructure.core.data.ApiParameterError.parameterError(
-                            "openingBalance",
-                            "Opening balance (" + openingBalanceValue + ") is less than minimum required opening balance (" + minRequired + ")",
-                            "validation.msg.currentaccount.openingBalance.less.than.min.required",
-                            openingBalanceValue, minRequired)));
-        }
 
         account.activate(activatedOnDate, user);
-        applyFacilityChargesOnActivation(account);
 
-        java.math.BigDecimal currentBalance = java.math.BigDecimal.ZERO;
+        // Activation posts no transaction of its own -- no opening-balance deposit, no
-        final java.util.List<org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction> depositTxns = new java.util.ArrayList<>();
+        // digital-facility charges applied or collected, regardless of what the account's facility
-        final java.util.List<ChargeGlEntry> chargeEntries = new java.util.ArrayList<>();
+        // config or product defaults say. Funding and any facility charges happen strictly
-
+        // afterwards, through separate transactions a clerk processes once the account is already
-        // Opening balance deposit transaction
+        // active.
-        if (openingBalanceValue.compareTo(java.math.BigDecimal.ZERO) > 0) {
-            try {
-                final org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction deposit =
-                    org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction
-                        .deposit(account, account.getOffice(), openingBalanceValue, activatedOnDate, "OPENING-BALANCE");
-                deposit.setRunningBalanceDerived(openingBalanceValue);
-                account.setTotalDepositsDerived(openingBalanceValue);
-                currentAccountTransactionRepository.saveAndFlush(deposit);
-                currentBalance = openingBalanceValue;
-                depositTxns.add(deposit);
-                log.info("Opening balance deposit {} created for account id={}", openingBalanceValue, accountId);
-            } catch (Exception e) {
-                log.warn("Could not process openingBalance for account id={}: {}", accountId, e.getMessage());
-            }
-        }
-
-        // Auto-deduct activation charges (chargeTimeEnum=3) from opening balance
-        final java.util.List<org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountCharge> activationCharges =
-                account.getCharges().stream()
-                        .filter(c -> c.getChargeTimeEnum() != null && c.getChargeTimeEnum() == 3 && !c.isPaid())
-                        .toList();
-        currentBalance = collectChargesAndPost(account, activationCharges, currentBalance, activatedOnDate, chargeEntries);
-
-        account.setAccountBalanceDerived(currentBalance);
         currentAccountRepository.saveAndFlush(account);
 
-        // Post GL journal entries — deposits in batch, each charge individually
-        postGlEntries(account, depositTxns, chargeEntries);
-
         return new CommandProcessingResultBuilder().withEntityId(accountId).build();
     }
 
@@ -637,78 +590,6 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
         }
     }
 
-    private void applyFacilityChargesOnActivation(final CurrentAccount account) {
-        // Use account-level facility config — reflects what was selected at account opening time
-        org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountFacilityConfig config =
-                account.getFacilityConfig();
-
-        log.info("[FacilityCharge] Activating account id={}, facilityConfig={}",
-                account.getId(), config != null ? "FOUND" : "NULL");
-
-        if (config == null) {
-            // Fallback: use product-level facility config
-            log.info("[FacilityCharge] No account-level config, falling back to product id={}", account.getProductId());
-            config = currentProductRepository.findById(account.getProductId())
-                    .map(p -> {
-                        final var pc = p.getFacilityConfig();
-                        if (pc == null) {
-                            log.info("[FacilityCharge] Product has no facility config either");
-                            return null;
-                        }
-                        // Map product config to account config fields inline
-                        org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountFacilityConfig ac =
-                                new org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountFacilityConfig();
-                        ac.setAtmFacility(Boolean.TRUE.equals(pc.getAtmFacility()));
-                        ac.setAtmWithdrawalFacility(Boolean.TRUE.equals(pc.getAtmWithdrawalFacility()));
-                        ac.setUpiFacility(Boolean.TRUE.equals(pc.getUpiFacility()));
-                        ac.setPosTransactionsFacility(Boolean.TRUE.equals(pc.getPosTransactionsFacility()));
-                        ac.setChequeBook(Boolean.TRUE.equals(pc.getChequeBook()));
-                        ac.setImpsFacility(Boolean.TRUE.equals(pc.getImpsFacility()));
-                        ac.setSmsAlerts(Boolean.TRUE.equals(pc.getSmsAlerts()));
-                        ac.setBbpsFacility(Boolean.TRUE.equals(pc.getBbpsFacility()));
-                        ac.setInsuranceCover(Boolean.TRUE.equals(pc.getInsuranceCover()));
-                        ac.setBepgFacility(Boolean.TRUE.equals(pc.getBepgFacility()));
-                        ac.setNeftFacility(Boolean.TRUE.equals(pc.getNeftFacility()));
-                        ac.setRtgsFacility(Boolean.TRUE.equals(pc.getRtgsFacility()));
-                        ac.setInterBankTotalCapFacility(Boolean.TRUE.equals(pc.getInterBankTotalCapFacility()));
-                        ac.setWithdrawalFacility(Boolean.TRUE.equals(pc.getWithdrawalFacility()));
-                        ac.setDepositFacilityKyc(Boolean.TRUE.equals(pc.getDepositFacilityKyc()));
-                        ac.setVirtualDebitCard(Boolean.TRUE.equals(pc.getVirtualDebitCard()));
-                        return ac;
-                    }).orElse(null);
-        }
-
-        if (config == null) {
-            log.warn("[FacilityCharge] No facility config found for account id={} — no charges applied", account.getId());
-            return;
-        }
-
-        final org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountFacilityConfig fc = config;
-        log.info("[FacilityCharge] Config found — ATM={} UPI={} NEFT={} RTGS={} CHEQUE={} SMS={} IMPs={} POS={} BBPS={} INS={} BEPG={} IBCAP={} WD={} KYC={} VCARD={} ATM_WD={}",
-                fc.isAtmFacility(), fc.isUpiFacility(), fc.isNeftFacility(), fc.isRtgsFacility(),
-                fc.isChequeBook(), fc.isSmsAlerts(), fc.isImpsFacility(), fc.isPosTransactionsFacility(),
-                fc.isBbpsFacility(), fc.isInsuranceCover(), fc.isBepgFacility(), fc.isInterBankTotalCapFacility(),
-                fc.isWithdrawalFacility(), fc.isDepositFacilityKyc(), fc.isVirtualDebitCard(), fc.isAtmWithdrawalFacility());
-        applyMapped(account, fc.isAtmFacility(),              "ATM_FACILITY");
-        applyMapped(account, fc.isAtmWithdrawalFacility(),    "ATM_WITHDRAWAL");
-        applyMapped(account, fc.isUpiFacility(),              "UPI_FACILITY");
-        applyMapped(account, fc.isPosTransactionsFacility(),  "POS_TRANSACTIONS");
-        // Cheque book: no longer charged at activation — the per-leaf issuance charge is now deducted
-        // when a cheque book is actually issued (ChequeBookIssuanceChargeService), not just for having
-        // the facility enabled.
-        applyMapped(account, fc.isImpsFacility(),             "IMPS_FACILITY");
-        applyMapped(account, fc.isSmsAlerts(),                "SMS_ALERTS");
-        applyMapped(account, fc.isBbpsFacility(),             "BBPS_FACILITY");
-        applyMapped(account, fc.isInsuranceCover(),           "INSURANCE_COVER");
-        applyMapped(account, fc.isBepgFacility(),             "BEPG_FACILITY");
-        applyMapped(account, fc.isNeftFacility(),             "NEFT_FACILITY");
-        applyMapped(account, fc.isRtgsFacility(),             "RTGS_FACILITY");
-        applyMapped(account, fc.isInterBankTotalCapFacility(),"INTER_BANK_TOTAL_CAP");
-        applyMapped(account, fc.isWithdrawalFacility(),       "WITHDRAWAL_FACILITY");
-        applyMapped(account, fc.isDepositFacilityKyc(),       "DEPOSIT_FACILITY_KYC");
-        applyMapped(account, fc.isVirtualDebitCard(),         "VIRTUAL_DEBIT_CARD");
-    }
-
     // Wrapper to carry a charge transaction together with its charge entity for GL posting
     private record ChargeGlEntry(
             org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction txn,
@@ -717,9 +598,8 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
     /**
      * Marks each of the given (unpaid) charges as paid, deducts its amount from {@code runningBalance}, creates a
      * {@code CurrentAccountTransaction.chargeDeduction(...)} row for it, and records a {@link ChargeGlEntry} for GL
-     * posting. Shared by {@link #activate(Long, JsonCommand)} (activation-time charges) and
+     * posting. Used by {@link #applyAndCollectFacilityCharges(Long, java.util.Set)} (edit-approval-time charges) --
-     * {@link #applyAndCollectFacilityCharges(Long, java.util.Set)} (edit-approval-time charges) so the
+     * activation itself no longer collects any charges. Returns the resulting balance.
-     * charge-collection logic isn't duplicated. Returns the resulting balance.
      */
     private java.math.BigDecimal collectChargesAndPost(final CurrentAccount account,
             final java.util.List<org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountCharge> charges,
@@ -875,24 +755,4 @@ public class CurrentAccountWritePlatformServiceImpl implements CurrentAccountWri
         }
     }
 
-    private void applyMapped(final CurrentAccount account, final boolean enabled, final String facilityType) {
-        if (!enabled) {
-            log.debug("[FacilityCharge] {} disabled — skip", facilityType);
-            return;
-        }
-        final var mappingOpt = facilityChargeMappingRepository.findByFacilityType(facilityType);
-        if (mappingOpt.isEmpty()) {
-            log.warn("[FacilityCharge] {} enabled but NO mapping found in m_facility_charge_mapping", facilityType);
-            return;
-        }
-        final org.apache.fineract.portfolio.charge.domain.Charge charge = mappingOpt.get().getCharge();
-        if (charge == null) {
-            log.warn("[FacilityCharge] {} mapping exists but charge_id is NULL", facilityType);
-            return;
-        }
-        log.info("[FacilityCharge] Applying charge '{}' (id={}) for facility {}", charge.getName(), charge.getId(), facilityType);
-        account.getCharges().add(
-            org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountCharge
-                .createFromFacility(account, charge));
-    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/DepositAccountWritePlatformServiceJpaRepositoryImpl.java

@@ -172,8 +172,14 @@ public class DepositAccountWritePlatformServiceJpaRepositoryImpl implements Depo
 
                 if (portfolioAccountData == null) {
                     final PaymentDetail paymentDetail = null;
-                    this.depositAccountDomainService.handleFDDeposit(account, fmt, account.getActivationDate(),
+                    final SavingsAccountTransaction depositTransaction = this.depositAccountDomainService.handleFDDeposit(account, fmt,
-                            amountForDeposit.getAmount(), paymentDetail);
+                            account.getActivationDate(), amountForDeposit.getAmount(), paymentDetail);
+                    // handleFDDeposit() already posts this transaction's own journal entries internally --
+                    // mark it as "existing" so the postJournalEntries(...) call below (which covers other
+                    // activation-time changes, e.g. an activation charge payment) does not post it again.
+                    if (depositTransaction != null && depositTransaction.getId() != null) {
+                        existingTransactionIds.add(depositTransaction.getId());
+                    }
                 } else {
                     final SavingsAccount fromSavingsAccount = null;
                     boolean isRegularTransaction = false;
@@ -202,8 +208,17 @@ public class DepositAccountWritePlatformServiceJpaRepositoryImpl implements Depo
             }
 
             final boolean isPreMatureClosure = false;
-            account.updateMaturityDateAndAmount(mc, isPreMatureClosure, isSavingsInterestPostingAtCurrentPeriodEnd,
+            if (amountForDeposit.isGreaterThanZero()) {
-                    financialYearBeginningMonth);
+                account.updateMaturityDateAndAmount(mc, isPreMatureClosure, isSavingsInterestPostingAtCurrentPeriodEnd,
+                        financialYearBeginningMonth);
+            } else {
+                // No deposit has actually landed on the account yet -- project maturity using the
+                // configured deposit amount (the same approach used for the pre-activation preview and
+                // for reinvested FDs) instead of the account's real, still-empty transaction history,
+                // which would otherwise price in zero interest.
+                account.updateMaturityDateAndAmountBeforeAccountActivation(mc, isPreMatureClosure,
+                        isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
+            }
             List<DepositAccountOnHoldTransaction> depositAccountOnHoldTransactions = null;
             if (account.getOnHoldFunds().compareTo(BigDecimal.ZERO) > 0) {
                 depositAccountOnHoldTransactions = this.depositAccountOnHoldTransactionRepository
@@ -275,8 +290,14 @@ public class DepositAccountWritePlatformServiceJpaRepositoryImpl implements Depo
                 final PortfolioAccountData portfolioAccountData = this.accountAssociationsReadPlatformService
                         .retriveSavingsLinkedAssociation(savingsId);
                 if (portfolioAccountData == null) {
-                    this.depositAccountDomainService.handleRDDeposit(account, fmt, account.getActivationDate(),
+                    final SavingsAccountTransaction depositTransaction = this.depositAccountDomainService.handleRDDeposit(account, fmt,
-                            amountForDeposit.getAmount(), null, isRegularTransaction);
+                            account.getActivationDate(), amountForDeposit.getAmount(), null, isRegularTransaction);
+                    // handleRDDeposit() already posts this transaction's own journal entries internally --
+                    // mark it as "existing" so the postJournalEntries(...) call below (which covers other
+                    // activation-time changes) does not post it again.
+                    if (depositTransaction != null && depositTransaction.getId() != null) {
+                        existingTransactionIds.add(depositTransaction.getId());
+                    }
                 } else {
                     final boolean isExceptionForBalanceCheck = false;
                     final SavingsAccount fromSavingsAccount = null;
@@ -368,6 +389,19 @@ public class DepositAccountWritePlatformServiceJpaRepositoryImpl implements Depo
         final SavingsAccountTransaction deposit = this.depositAccountDomainService.handleFDDeposit(account, fmt, transactionDate,
                 transactionAmount, paymentDetail);
 
+        // The account may have been activated with no funds yet (opening deposit is now a separate,
+        // later step) -- in that case its maturity amount was only ever projected off the configured
+        // deposit amount, with zero real transactions. Now that money has actually landed, recompute
+        // maturity date/amount off the account's real transaction history so it reflects reality.
+        final boolean isSavingsInterestPostingAtCurrentPeriodEnd = this.configurationDomainService
+                .isSavingsInterestPostingAtCurrentPeriodEnd();
+        final Integer financialYearBeginningMonth = this.configurationDomainService.retrieveFinancialYearBeginningMonth();
+        final MathContext mc = MathContext.DECIMAL64;
+        final boolean isPreMatureClosure = false;
+        account.updateMaturityDateAndAmount(mc, isPreMatureClosure, isSavingsInterestPostingAtCurrentPeriodEnd,
+                financialYearBeginningMonth);
+        this.savingAccountRepositoryWrapper.saveAndFlush(account);
+
         this.denominationBreakdownWriter.save(command, deposit.getId(), account.getId(), account.getAccountNumber(),
                 account.clientId(), account.getClient() != null ? account.getClient().getCifNumber() : null, transactionDate,
                 "DEPOSIT");

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/FdBaseInterestRateReadPlatformServiceImpl.java

@@ -11,10 +11,16 @@
  */
 package org.apache.fineract.portfolio.savings.service;
 
+import java.math.BigDecimal;
 import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Comparator;
 import java.util.List;
 import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
 import org.apache.fineract.portfolio.savings.api.FdInterestRateSaveRequest;
 import org.apache.fineract.portfolio.savings.data.FdInterestRateEffectiveData;
 import org.apache.fineract.portfolio.savings.data.FdInterestRateSlabData;
@@ -51,7 +57,9 @@ public class FdBaseInterestRateReadPlatformServiceImpl implements FdBaseInterest
     @Override
     @Transactional
     public FdInterestRateEffectiveData saveInterestRates(FdInterestRateSaveRequest request, Long createdById) {
-        final String fdType = request.getFdType();
+        validateRequest(request);
+
+        final String fdType = request.getFdType().toUpperCase();
         final LocalDate today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
 
         final List<FdBaseInterestRateEffective> activeVersions = effectiveRepository
@@ -85,6 +93,125 @@ public class FdBaseInterestRateReadPlatformServiceImpl implements FdBaseInterest
         return toData(newVersion);
     }
 
+    private void validateRequest(final FdInterestRateSaveRequest request) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final DataValidatorBuilder validator = new DataValidatorBuilder(errors).resource("FD_BASE_INTEREST_RATE_VERSION");
+
+        if (request == null) {
+            validator.failWithCodeNoParameterAddedToErrorCode("request.cannot.be.null");
+            throwExceptionIfValidationWarningsExist(errors);
+            return;
+        }
+
+        final String fdType = request.getFdType();
+        if (fdType == null || fdType.isBlank()) {
+            validator.parameter("fdType").failWithCode("cannot.be.blank");
+        } else if (!List.of("SINGLE", "DOUBLE", "SPECIAL").contains(fdType.toUpperCase())) {
+            validator.parameter("fdType").value(fdType).failWithCode("invalid.fd.type");
+        }
+
+        if (request.getSlabs() == null || request.getSlabs().isEmpty()) {
+            validator.parameter("slabs").failWithCode("cannot.be.blank");
+        }
+
+        if (request.getVersionLabel() != null && request.getVersionLabel().length() > 100) {
+            validator.parameter("versionLabel").value(request.getVersionLabel()).failWithCode("exceeds.max.length");
+        }
+
+        throwExceptionIfValidationWarningsExist(errors);
+        validateSlabs(request.getSlabs());
+    }
+
+    private void validateSlabs(final List<FdInterestRateSaveRequest.SlabRequest> slabs) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final DataValidatorBuilder validator = new DataValidatorBuilder(errors).resource("FD_BASE_INTEREST_RATE_VERSION");
+
+        if (slabs == null || slabs.isEmpty()) {
+            validator.parameter("slabs").failWithCode("cannot.be.blank");
+            throwExceptionIfValidationWarningsExist(errors);
+            return;
+        }
+
+        final List<FdInterestRateSaveRequest.SlabRequest> sorted = new ArrayList<>(slabs);
+        sorted.sort(Comparator.comparing((FdInterestRateSaveRequest.SlabRequest slab) -> slab.getSrNo() == null ? Integer.MAX_VALUE : slab.getSrNo())
+                .thenComparing(slab -> slab.getFromPeriod() == null ? Integer.MAX_VALUE : slab.getFromPeriod()));
+
+        final Integer expectedPeriodType = sorted.get(0).getPeriodTypeEnum();
+        Integer expectedFrom = 1;
+
+        for (int i = 0; i < sorted.size(); i++) {
+            final FdInterestRateSaveRequest.SlabRequest slab = sorted.get(i);
+            final int srNo = slab.getSrNo() == null ? i + 1 : slab.getSrNo();
+            final String slabPrefix = "slabs[" + srNo + "].";
+
+            if (slab.getPeriodTypeEnum() == null) {
+                validator.parameter(slabPrefix + "periodTypeEnum").failWithCode("cannot.be.blank");
+            } else if (!slab.getPeriodTypeEnum().equals(expectedPeriodType)) {
+                validator.parameter(slabPrefix + "periodTypeEnum").value(slab.getPeriodTypeEnum())
+                        .failWithCode("must.be.consistent.across.all.slabs");
+            }
+
+            final Integer fromPeriod = slab.getFromPeriod();
+            if (fromPeriod == null) {
+                validator.parameter(slabPrefix + "fromPeriod").failWithCode("cannot.be.blank");
+            } else if (fromPeriod < 0) {
+                validator.parameter(slabPrefix + "fromPeriod").value(fromPeriod).failWithCode("must.be.non.negative");
+            } else if (!fromPeriod.equals(expectedFrom)) {
+                if (i == 0) {
+                    validator.parameter(slabPrefix + "fromPeriod").value(fromPeriod).failWithCode("first.slab.must.start.at.one");
+                } else if (fromPeriod < expectedFrom) {
+                    validator.parameter(slabPrefix + "fromPeriod").value(fromPeriod).failWithCode("must.not.overlap.previous.range");
+                } else {
+                    validator.parameter(slabPrefix + "fromPeriod").value(fromPeriod).failWithCode("must.be.continuous.with.previous.range");
+                }
+            }
+
+            final Integer toPeriod = slab.getToPeriod();
+            if (i < sorted.size() - 1) {
+                if (toPeriod == null) {
+                    validator.parameter(slabPrefix + "toPeriod").failWithCode("cannot.be.blank.for.intermediate.slab");
+                } else {
+                    if (toPeriod < 0) {
+                        validator.parameter(slabPrefix + "toPeriod").value(toPeriod).failWithCode("must.be.non.negative");
+                    }
+                    if (fromPeriod != null && toPeriod < fromPeriod) {
+                        validator.parameter(slabPrefix + "toPeriod").value(toPeriod).failWithCode("cannot.be.less.than.fromPeriod");
+                    }
+                    expectedFrom = toPeriod + 1;
+                }
+            } else {
+                if (toPeriod != null) {
+                    if (toPeriod < 0) {
+                        validator.parameter(slabPrefix + "toPeriod").value(toPeriod).failWithCode("must.be.non.negative");
+                    }
+                    if (fromPeriod != null && toPeriod < fromPeriod) {
+                        validator.parameter(slabPrefix + "toPeriod").value(toPeriod).failWithCode("cannot.be.less.than.fromPeriod");
+                    }
+                }
+            }
+
+            final BigDecimal annualRate = slab.getAnnualInterestRate();
+            if (annualRate == null) {
+                validator.parameter(slabPrefix + "annualInterestRate").failWithCode("cannot.be.blank");
+            } else if (annualRate.compareTo(BigDecimal.ZERO) < 0) {
+                validator.parameter(slabPrefix + "annualInterestRate").value(annualRate).failWithCode("must.be.non.negative");
+            }
+
+            final BigDecimal seniorRate = slab.getSeniorCitizenRate();
+            if (seniorRate != null && seniorRate.compareTo(BigDecimal.ZERO) < 0) {
+                validator.parameter(slabPrefix + "seniorCitizenRate").value(seniorRate).failWithCode("must.be.non.negative");
+            }
+        }
+
+        throwExceptionIfValidationWarningsExist(errors);
+    }
+
+    private void throwExceptionIfValidationWarningsExist(final List<ApiParameterError> dataValidationErrors) {
+        if (!dataValidationErrors.isEmpty()) {
+            throw new PlatformApiDataValidationException(dataValidationErrors);
+        }
+    }
+
     private FdInterestRateEffectiveData toData(FdBaseInterestRateEffective e) {
         List<FdInterestRateSlabData> slabs = slabRepository.findByEffectiveIdOrderBySrNo(e.getId()).stream()
                 .map(s -> FdInterestRateSlabData.builder()

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/FdBaseInterestRateWritePlatformService.java

@@ -0,0 +1,27 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+public interface FdBaseInterestRateWritePlatformService {
+
+    CommandProcessingResult saveInterestRates(JsonCommand command);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/FdBaseInterestRateWritePlatformServiceImpl.java

@@ -0,0 +1,49 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import com.google.gson.Gson;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.savings.api.FdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.FdInterestRateEffectiveData;
+import org.springframework.stereotype.Service;
+
+@Service
+@RequiredArgsConstructor
+public class FdBaseInterestRateWritePlatformServiceImpl implements FdBaseInterestRateWritePlatformService {
+
+    private final PlatformSecurityContext context;
+    private final FdBaseInterestRateReadPlatformService readPlatformService;
+    private final Gson gson = new Gson();
+
+    @Override
+    public CommandProcessingResult saveInterestRates(final JsonCommand command) {
+        final FdInterestRateSaveRequest request = gson.fromJson(command.json(), FdInterestRateSaveRequest.class);
+        final Long createdById = this.context.authenticatedUser().getId();
+        final FdInterestRateEffectiveData saved = this.readPlatformService.saveInterestRates(request, createdById);
+        return new CommandProcessingResultBuilder()
+                .withCommandId(command.commandId())
+                .withEntityId(saved.getId())
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/SavingsAccountEditWritePlatformServiceJpaRepositoryImpl.java

@@ -220,10 +220,16 @@ public class SavingsAccountEditWritePlatformServiceJpaRepositoryImpl implements
             this.savingsAccountWritePlatformService.releaseAmount(savingsId, pendingEdit.getHoldTransactionId());
         }
 
-        // 2) Post the real charge(s) for newly-enabled facilities, today.
+        // 2) Post the real charge(s) for newly-enabled facilities, today -- and post the matching
+        // GL journal entries for those charge transactions (collectCharges() only books them
+        // against the account itself; it does not touch the general ledger).
         if (!newlyEnabledFacilityTypes.isEmpty()) {
+            final Set<Long> existingTransactionIds = new HashSet<>(account.findExistingTransactionIds());
+            final Set<Long> existingReversedTransactionIds = new HashSet<>(account.findExistingReversedTransactionIds());
             final var chargesAdded = this.facilityChargeAutoApplyService.applyChargesForFacilities(account, newlyEnabledFacilityTypes);
             this.facilityChargeAutoApplyService.collectCharges(account, chargesAdded, DateUtils.getBusinessLocalDate());
+            this.savingsAccountWritePlatformService.postJournalEntriesForSavingsAccount(account, existingTransactionIds,
+                    existingReversedTransactionIds, false);
         }
 
         // 3) Apply the facility-config toggles to the real row.

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/service/SavingsAccountWritePlatformServiceJpaRepositoryImpl.java

@@ -97,7 +97,6 @@ import org.apache.fineract.portfolio.note.domain.Note;
 import org.apache.fineract.portfolio.note.domain.NoteRepository;
 import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail;
 import org.apache.fineract.portfolio.paymentdetail.service.PaymentDetailWritePlatformService;
-import org.apache.fineract.portfolio.savings.service.FacilityChargeAutoApplyService;
 import org.apache.fineract.portfolio.savings.SavingsAccountTransactionType;
 import org.apache.fineract.portfolio.savings.SavingsApiConstants;
 import org.apache.fineract.portfolio.savings.SavingsTransactionBooleanValues;
@@ -167,7 +166,6 @@ public class SavingsAccountWritePlatformServiceJpaRepositoryImpl implements Savi
     private final GSIMRepositoy gsimRepository;
     private final SavingsAccountInterestPostingService savingsAccountInterestPostingService;
     private final ErrorHandler errorHandler;
-    private final FacilityChargeAutoApplyService facilityChargeAutoApplyService;
     private final DenominationBreakdownWriter denominationBreakdownWriter;
 
     @Transactional
@@ -203,23 +201,9 @@ public class SavingsAccountWritePlatformServiceJpaRepositoryImpl implements Savi
 
         final SavingsAccount account = this.savingAccountAssembler.assembleFrom(savingsId, false);
 
-        // Validate minimum opening balance
+        // Minimum required opening balance is not enforced -- activation must never be blocked
-        BigDecimal openingBalanceForValidation = BigDecimal.ZERO;
+        // for not meeting it; the account can be funded afterwards by whatever deposit the
-        if (command.parameterExists("openingBalance")) {
+        // customer brings (cash or a transfer), on their own timeline.
-            final BigDecimal ob = command.bigDecimalValueOfParameterNamed("openingBalance");
-            if (ob != null) openingBalanceForValidation = ob;
-        }
-        final BigDecimal minRequiredOpening = account.getMinRequiredOpeningBalance();
-        if (minRequiredOpening != null && minRequiredOpening.compareTo(BigDecimal.ZERO) > 0
-                && openingBalanceForValidation.compareTo(minRequiredOpening) < 0) {
-            final List<ApiParameterError> errors = new ArrayList<>();
-            errors.add(ApiParameterError.parameterError(
-                    "openingBalance",
-                    "Opening balance (" + openingBalanceForValidation + ") is less than minimum required opening balance (" + minRequiredOpening + ")",
-                    "validation.msg.savingsaccount.openingBalance.less.than.min.required",
-                    openingBalanceForValidation, minRequiredOpening));
-            throw new PlatformApiDataValidationException(errors);
-        }
 
         checkClientOrGroupActive(account);
         final Set<Long> existingTransactionIds = new HashSet<>();
@@ -236,14 +220,10 @@ public class SavingsAccountWritePlatformServiceJpaRepositoryImpl implements Savi
             final Locale locale = command.extractLocale();
             final DateTimeFormatter fmt = DateTimeFormatter.ofPattern(command.dateFormat()).withLocale(locale);
             processPostActiveActions(account, fmt, existingTransactionIds, existingReversedTransactionIds);
-            // Auto-apply facility charges based on product facility config
+            // Activation posts no transaction of its own -- digital-facility charges are no longer
-            facilityChargeAutoApplyService.applyFacilityChargesOnActivation(account);
+            // auto-applied and auto-collected here. Whatever facilities are turned on later get
-            this.savingAccountRepositoryWrapper.saveAndFlush(account);
+            // charged (if at all) through the normal charge/collection flow at that time, not as a
-            // Collect any newly added facility activation charges (after flush so amountOutstanding is set)
+            // side effect of activation.
-            // payCharge() internally adds transactions to account.transactions via handleChargeTransactions
-            // Do NOT add to existingTransactionIds — postJournalEntries must include them for GL posting
-            facilityChargeAutoApplyService.collectActivationCharges(account);
-            this.savingAccountRepositoryWrapper.saveAndFlush(account);
         }
 
         postJournalEntries(account, existingTransactionIds, existingReversedTransactionIds, false);
@@ -1521,6 +1501,12 @@ public class SavingsAccountWritePlatformServiceJpaRepositoryImpl implements Savi
         this.journalEntryWritePlatformService.createJournalEntriesForSavings(accountingBridgeData);
     }
 
+    @Override
+    public void postJournalEntriesForSavingsAccount(final SavingsAccount account, final Set<Long> existingTransactionIds,
+            final Set<Long> existingReversedTransactionIds, final boolean backdatedTxnsAllowedTill) {
+        postJournalEntries(account, existingTransactionIds, existingReversedTransactionIds, backdatedTxnsAllowedTill);
+    }
+
     @Override
     public CommandProcessingResult inactivateCharge(final Long savingsAccountId, final Long savingsAccountChargeId) {
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/starter/SavingsConfiguration.java

@@ -169,6 +169,8 @@ import org.apache.fineract.portfolio.savings.service.RdBaseInterestRateReadPlatf
 import org.apache.fineract.portfolio.savings.service.RdBaseInterestRateReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateReadPlatformService;
 import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateWritePlatformService;
+import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateWritePlatformServiceImpl;
 import org.apache.fineract.portfolio.savings.service.SavingsSchedularInterestPoster;
 import org.apache.fineract.portfolio.savings.service.SavingsSchedularInterestPosterTask;
 import org.apache.fineract.portfolio.savings.service.search.SavingsAccountTransactionSearchService;
@@ -200,6 +202,14 @@ public class SavingsConfiguration {
         return new FdBaseInterestRateReadPlatformServiceImpl(effectiveRepository, slabRepository);
     }
 
+    @Bean
+    @ConditionalOnMissingBean(FdBaseInterestRateWritePlatformService.class)
+    public FdBaseInterestRateWritePlatformService fdBaseInterestRateWritePlatformService(
+            PlatformSecurityContext context,
+            FdBaseInterestRateReadPlatformService readPlatformService) {
+        return new FdBaseInterestRateWritePlatformServiceImpl(context, readPlatformService);
+    }
+
     @Bean
     @ConditionalOnMissingBean(SavingsAccountTransactionSearchService.class)
     public SavingsAccountTransactionSearchService savingsAccountTransactionSearchService(PlatformSecurityContext context,
@@ -463,8 +473,7 @@ public class SavingsConfiguration {
             EntityDatatableChecksWritePlatformService entityDatatableChecksWritePlatformService, AppUserRepositoryWrapper appuserRepository,
             StandingInstructionRepository standingInstructionRepository, BusinessEventNotifierService businessEventNotifierService,
             GSIMRepositoy gsimRepository, SavingsAccountInterestPostingService savingsAccountInterestPostingService,
-            ErrorHandler errorHandler, FacilityChargeAutoApplyService facilityChargeAutoApplyService,
+            ErrorHandler errorHandler, DenominationBreakdownWriter denominationBreakdownWriter) {
-            DenominationBreakdownWriter denominationBreakdownWriter) {
         return new SavingsAccountWritePlatformServiceJpaRepositoryImpl(context, fromApiJsonDeserializer, savingAccountRepositoryWrapper,
                 staffRepository, savingsAccountTransactionRepository, savingAccountAssembler, savingsAccountTransactionDataValidator,
                 savingsAccountChargeDataValidator, paymentDetailWritePlatformService, journalEntryWritePlatformService,
@@ -472,7 +481,7 @@ public class SavingsConfiguration {
                 chargeRepository, savingsAccountChargeRepository, holidayRepository, workingDaysRepository, configurationDomainService,
                 depositAccountOnHoldTransactionRepository, entityDatatableChecksWritePlatformService, appuserRepository,
                 standingInstructionRepository, businessEventNotifierService, gsimRepository, savingsAccountInterestPostingService,
-                errorHandler, facilityChargeAutoApplyService, denominationBreakdownWriter);
+                errorHandler, denominationBreakdownWriter);
     }
 
     @Bean

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/jobs/forfeitunclaimeddividends/ForfeitUnclaimedDividendsConfig.java

@@ -0,0 +1,63 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.shareaccounts.jobs.forfeitunclaimeddividends;
+
+import org.apache.fineract.infrastructure.jobs.service.JobName;
+import org.apache.fineract.portfolio.shareaccounts.service.ShareAccountSchedularService;
+import org.springframework.batch.core.Job;
+import org.springframework.batch.core.Step;
+import org.springframework.batch.core.job.builder.JobBuilder;
+import org.springframework.batch.core.launch.support.RunIdIncrementer;
+import org.springframework.batch.core.repository.JobRepository;
+import org.springframework.batch.core.step.builder.StepBuilder;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.transaction.PlatformTransactionManager;
+
+@Configuration
+public class ForfeitUnclaimedDividendsConfig {
+
+    @Autowired
+    private JobRepository jobRepository;
+    @Autowired
+    private PlatformTransactionManager transactionManager;
+    @Autowired
+    private JdbcTemplate jdbcTemplate;
+    @Autowired
+    private ShareAccountSchedularService shareAccountSchedularService;
+
+    @Bean
+    protected Step forfeitUnclaimedDividendsStep() {
+        return new StepBuilder(JobName.FORFEIT_UNCLAIMED_DIVIDENDS.name(), jobRepository)
+                .tasklet(forfeitUnclaimedDividendsTasklet(), transactionManager).build();
+    }
+
+    @Bean
+    public Job forfeitUnclaimedDividendsJob() {
+        return new JobBuilder(JobName.FORFEIT_UNCLAIMED_DIVIDENDS.name(), jobRepository).start(forfeitUnclaimedDividendsStep())
+                .incrementer(new RunIdIncrementer()).build();
+    }
+
+    @Bean
+    public ForfeitUnclaimedDividendsTasklet forfeitUnclaimedDividendsTasklet() {
+        return new ForfeitUnclaimedDividendsTasklet(jdbcTemplate, shareAccountSchedularService);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/jobs/forfeitunclaimeddividends/ForfeitUnclaimedDividendsTasklet.java

@@ -0,0 +1,67 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.shareaccounts.jobs.forfeitunclaimeddividends;
+
+import java.util.ArrayList;
+import java.util.List;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.jobs.exception.JobExecutionException;
+import org.apache.fineract.portfolio.shareaccounts.service.ShareAccountSchedularService;
+import org.springframework.batch.core.StepContribution;
+import org.springframework.batch.core.scope.context.ChunkContext;
+import org.springframework.batch.core.step.tasklet.Tasklet;
+import org.springframework.batch.repeat.RepeatStatus;
+import org.springframework.jdbc.core.JdbcTemplate;
+
+/**
+ * Daily job: any Share Dividend lock (see {@code m_share_dividend_lock}) whose 3-year
+ * release_due_date has passed with no Bank Manager action (via the Dividend Dashboard) is
+ * forfeited — the hold on the member's savings account is released and the amount is swept back
+ * into the bank's profit. See {@link ShareAccountSchedularService#forfeitDividendLock(Long)} for
+ * the actual GL/balance mechanics.
+ */
+@Slf4j
+@RequiredArgsConstructor
+public class ForfeitUnclaimedDividendsTasklet implements Tasklet {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final ShareAccountSchedularService shareAccountSchedularService;
+
+    @Override
+    public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) throws Exception {
+        final List<Throwable> exceptions = new ArrayList<>();
+        final List<Long> lockIds = this.jdbcTemplate.queryForList(
+                "SELECT id FROM m_share_dividend_lock WHERE status = 'LOCKED' AND release_due_date <= CURRENT_DATE", Long.class);
+
+        for (final Long lockId : lockIds) {
+            try {
+                this.shareAccountSchedularService.forfeitDividendLock(lockId);
+            } catch (final Exception e) {
+                log.error("Forfeit Unclaimed Dividends failed for share dividend lock id: {}", lockId, e);
+                exceptions.add(e);
+            }
+        }
+
+        if (!exceptions.isEmpty()) {
+            throw new JobExecutionException(exceptions);
+        }
+        return RepeatStatus.FINISHED;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/service/ShareAccountSchedularService.java

@@ -22,4 +22,11 @@ public interface ShareAccountSchedularService {
 
     void postDividend(Long dividendDetailId, Long savingsId);
 
+    /**
+     * Writes off an unclaimed share-dividend liability (see {@code m_share_dividend_lock}) to the
+     * bank's profit — called once a lock's 3-year release_due_date has passed with no member claim
+     * or manager action.
+     */
+    void forfeitDividendLock(Long lockId);
+
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/service/ShareAccountSchedularServiceImpl.java

@@ -18,8 +18,12 @@
  */
 package org.apache.fineract.portfolio.shareaccounts.service;
 
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.Map;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction;
@@ -27,14 +31,22 @@ import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService
 import org.apache.fineract.portfolio.shareaccounts.domain.ShareAccountDividendDetails;
 import org.apache.fineract.portfolio.shareaccounts.domain.ShareAccountDividendRepository;
 import org.apache.fineract.portfolio.shareaccounts.domain.ShareAccountDividendStatusType;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.transaction.annotation.Propagation;
 import org.springframework.transaction.annotation.Transactional;
 
 @RequiredArgsConstructor
 public class ShareAccountSchedularServiceImpl implements ShareAccountSchedularService {
 
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
+    private static final int FINANCIAL_ACTIVITY_DIVIDEND_FORFEITED_INCOME = 400;
+
     private final ShareAccountDividendRepository shareAccountDividendRepository;
     private final SavingsAccountDomainService savingsAccountDomainService;
     private final SavingsAccountAssembler savingsAccountAssembler;
+    private final PlatformSecurityContext context;
+    private final JdbcTemplate jdbcTemplate;
 
     @Override
     @Transactional
@@ -49,4 +61,69 @@ public class ShareAccountSchedularServiceImpl implements ShareAccountSchedularSe
         this.shareAccountDividendRepository.saveAndFlush(shareAccountDividendDetails);
     }
 
+    /**
+     * Real-world UCB accounting: an approved dividend is never credited into a member's savings
+     * account up front -- it stays purely a "Dividend Payable" GL liability (see
+     * {@code ShareProductWritePlatformServiceJpaRepositoryImpl.makeDividendsClaimable}) until the
+     * member actually claims it (see {@code DividendClaimRequestApiResource}). So an unclaimed
+     * dividend past its 3-year deadline has no savings hold to release and no account balance to
+     * deduct -- the liability is simply written off directly against the bank's profit.
+     */
+    @Override
+    @Transactional(propagation = Propagation.REQUIRES_NEW)
+    public void forfeitDividendLock(final Long lockId) {
+        final Map<String, Object> lock = this.jdbcTemplate.queryForList("""
+                SELECT dividend_detail_id, currency_code, amount, status
+                FROM m_share_dividend_lock WHERE id = ?
+                """, lockId).stream().findFirst().orElseThrow();
+        if (!"UNCLAIMED".equals(lock.get("status"))) {
+            return;
+        }
+        final String currencyCode = (String) lock.get("currency_code");
+        final BigDecimal amount = (BigDecimal) lock.get("amount");
+
+        postForfeitureJournalEntry(lockId, currencyCode, amount);
+
+        this.jdbcTemplate.update(
+                "UPDATE m_share_dividend_lock SET status = 'FORFEITED', last_modified_date = now() WHERE id = ?", lockId);
+    }
+
+    /**
+     * Debit writes off the Dividend Payable liability (it was never going to be paid); credit
+     * increases the bank's Dividend Forfeited Income — real profit, not just a silent write-off.
+     * Reads currency straight off the lock row (set from the share account at creation time) --
+     * this never depended on a linked savings account existing. Skipped if the bank hasn't mapped
+     * both GL accounts yet, exactly like the declaration-time Reserve entry.
+     */
+    private void postForfeitureJournalEntry(final Long lockId, final String currencyCode, final BigDecimal amount) {
+        final Long payableDividendsAccountId = this.jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+        final Long forfeitedIncomeAccountId = this.jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_DIVIDEND_FORFEITED_INCOME)
+                .stream().findFirst().orElse(null);
+        if (payableDividendsAccountId == null || forfeitedIncomeAccountId == null) {
+            return;
+        }
+
+        final AppUser currentUser = this.context.authenticatedUser();
+        final LocalDate entryDate = DateUtils.getBusinessLocalDate();
+        final java.sql.Date sqlEntryDate = java.sql.Date.valueOf(entryDate);
+        final String transactionId = "DIVFORFEIT" + lockId;
+        final String description = "Dividend forfeited to profit — share dividend lock #" + lockId;
+        final String insertSql = """
+                INSERT INTO acc_gl_journal_entry
+                    (account_id, office_id, currency_code, transaction_id, reversed, manual_entry, entry_date, type_enum, amount,
+                     description, created_by, last_modified_by, created_date, lastmodified_date, created_on_utc, last_modified_on_utc,
+                     submitted_on_date, transaction_date)
+                VALUES (?, 1, ?, ?, false, true, ?, ?, ?, ?, ?, ?, now(), now(), now(), now(), ?, ?)
+                """;
+        this.jdbcTemplate.update(insertSql, payableDividendsAccountId, currencyCode, transactionId, sqlEntryDate, 2, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+        this.jdbcTemplate.update(insertSql, forfeitedIncomeAccountId, currencyCode, transactionId, sqlEntryDate, 1, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+    }
+
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/start/ShareAccountsConfiguration.java

@@ -36,6 +36,7 @@ import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService
 import org.apache.fineract.portfolio.savings.service.SavingsAccountReadPlatformService;
 import org.apache.fineract.commands.domain.CommandSourceRepository;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountRepositoryWrapper;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountReadPlatformService;
 import org.apache.fineract.portfolio.shareaccounts.domain.ShareAccountDividendRepository;
@@ -112,8 +113,10 @@ public class ShareAccountsConfiguration {
     @Bean
     @ConditionalOnMissingBean(ShareAccountSchedularService.class)
     public ShareAccountSchedularService shareAccountSchedularService(ShareAccountDividendRepository shareAccountDividendRepository,
-            SavingsAccountDomainService savingsAccountDomainService, SavingsAccountAssembler savingsAccountAssembler) {
+            SavingsAccountDomainService savingsAccountDomainService, SavingsAccountAssembler savingsAccountAssembler,
-        return new ShareAccountSchedularServiceImpl(shareAccountDividendRepository, savingsAccountDomainService, savingsAccountAssembler);
+            PlatformSecurityContext context, JdbcTemplate jdbcTemplate) {
+        return new ShareAccountSchedularServiceImpl(shareAccountDividendRepository, savingsAccountDomainService, savingsAccountAssembler,
+                context, jdbcTemplate);
     }
 
     @Bean

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareproducts/domain/ShareProductDividentPayOutDetailsRepositoryWrapper.java

@@ -42,6 +42,15 @@ public class ShareProductDividentPayOutDetailsRepositoryWrapper {
         this.shareProductDividentPayOutDetailsRepository.save(shareProductDividendPayOutDetails);
     }
 
+    /**
+     * Like {@link #save}, but flushes immediately so the generated id is guaranteed to be
+     * populated on the entity before the caller reads it (plain save() can leave a newly
+     * INSERTed entity's identity-generated id unset until the surrounding transaction flushes).
+     */
+    public void saveAndFlush(final ShareProductDividendPayOutDetails shareProductDividendPayOutDetails) {
+        this.shareProductDividentPayOutDetailsRepository.saveAndFlush(shareProductDividendPayOutDetails);
+    }
+
     public void delete(final ShareProductDividendPayOutDetails shareProductDividendPayOutDetails) {
         this.shareProductDividentPayOutDetailsRepository.delete(shareProductDividendPayOutDetails);
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareproducts/service/ShareProductDividendAssembler.java

@@ -115,6 +115,13 @@ public class ShareProductDividendAssembler {
                         numberOfShares += purchasedSharesData.getNumberOfShares();
                     } else {
                         numberOfShares -= purchasedSharesData.getNumberOfShares();
+                        // A purchase that hadn't yet cleared the Minimum Active Period is skipped
+                        // above (via `continue`) and never added here — but its later full/partial
+                        // redemption is never skipped, so without this floor numberOfShares (and
+                        // therefore this account's dividend) can go negative.
+                        if (numberOfShares < 0) {
+                            numberOfShares = 0;
+                        }
                     }
 
                 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareproducts/service/ShareProductWritePlatformServiceJpaRepositoryImpl.java

@@ -64,6 +64,7 @@ import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFieldMappe
 import com.google.gson.JsonObject;
 import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.dao.DataIntegrityViolationException;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.orm.jpa.JpaSystemException;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -85,6 +86,12 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
     private final ProductPendingEditChargeRepository pendingEditChargeRepository;
     private final ProductPendingEditGlMappingRepository pendingEditGlMappingRepository;
     private final CommandSourceRepository commandSourceRepository;
+    private final JdbcTemplate jdbcTemplate;
+
+    // FinancialActivity ids (AccountingConstants.FinancialActivity) — kept local to avoid pulling the whole
+    // accounting module into this constructor just for two int constants.
+    private static final int FINANCIAL_ACTIVITY_RESERVE_FOR_DIVIDEND = 301;
+    private static final int FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS = 201;
 
     @Override
     public CommandProcessingResult createShareProduct(JsonCommand jsonCommand) {
@@ -152,12 +159,17 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
             final BigDecimal dividendAmount = this.fromApiJsonHelper
                     .extractBigDecimalWithLocaleNamed(ShareProductApiConstants.dividendAmountParamName, element);
 
+            validateNoOverlappingDividendPeriod(productId, dividendPeriodStartDate, dividendPeriodEndDate);
+
             final ShareProductDividendPayOutDetails dividendPayOutDetails = this.shareProductDividendAssembler.calculateDividends(productId,
                     dividendAmount, dividendPeriodStartDate, dividendPeriodEndDate);
             if (dividendPayOutDetails == null) {
                 throw new DividentProcessingException("eligible.shares.not.found", "No eligible shares for creating dividends");
             }
-            this.shareProductDividentPayOutDetailsRepository.save(dividendPayOutDetails);
+            this.shareProductDividentPayOutDetailsRepository.saveAndFlush(dividendPayOutDetails);
+
+            final ShareProduct product = this.repository.findOneWithNotFoundDetection(productId);
+            postReserveForDividendJournalEntry(dividendPayOutDetails.getId(), product.getCurrency().getCode(), dividendAmount);
 
             businessEventNotifierService.notifyPostBusinessEvent(new ShareProductDividentsCreateBusinessEvent(productId));
 
@@ -172,6 +184,68 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
         }
     }
 
+    /**
+     * A product has no "rejected"/cancelled dividend status (only INITIATED and APPROVED, see
+     * {@code ShareProductDividendStatusType}) -- every declaration ever made against a product is
+     * a real reservation of that period's profit. Two declarations covering the same days would
+     * pay members twice for the same period, so any overlap against an existing declaration for
+     * this product is blocked outright.
+     */
+    private void validateNoOverlappingDividendPeriod(final Long productId, final LocalDate dividendPeriodStartDate,
+            final LocalDate dividendPeriodEndDate) {
+        final Integer overlappingCount = jdbcTemplate.queryForObject("""
+                SELECT COUNT(*) FROM m_share_product_dividend_pay_out
+                WHERE product_id = ? AND dividend_period_start_date <= ? AND dividend_period_end_date >= ?
+                """, Integer.class, productId, java.sql.Date.valueOf(dividendPeriodEndDate),
+                java.sql.Date.valueOf(dividendPeriodStartDate));
+        if (overlappingCount != null && overlappingCount > 0) {
+            throw new DividentProcessingException("period.overlaps.existing.dividend",
+                    "This product already has a dividend declared for a period that overlaps " + dividendPeriodStartDate + " to "
+                            + dividendPeriodEndDate + ". Choose a period that doesn't overlap with an existing declaration.");
+        }
+    }
+
+    /**
+     * Real-world UCB accounting: declaring a dividend sets aside that amount from the bank's own
+     * Reserve for Dividend (equity) into Dividend Payable (liability) — the profit doesn't just
+     * silently wait to be paid out with no accounting trace. Posted as a plain GL journal-entry
+     * pair rather than through the transaction-bound AccountingProcessorHelper (which expects a
+     * loan/savings/share *transaction*, not a standalone declaration event). Silently skipped if
+     * the bank hasn't mapped both Financial Activities under Accounting -> Financial Activity
+     * Mappings yet, so dividend declaration itself is never blocked by missing GL setup.
+     */
+    private void postReserveForDividendJournalEntry(final Long dividendPayOutId, final String currencyCode, final BigDecimal amount) {
+        final Long reserveAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_RESERVE_FOR_DIVIDEND)
+                .stream().findFirst().orElse(null);
+        final Long payableDividendsAccountId = jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        FINANCIAL_ACTIVITY_PAYABLE_DIVIDENDS)
+                .stream().findFirst().orElse(null);
+        if (reserveAccountId == null || payableDividendsAccountId == null) {
+            return;
+        }
+
+        final AppUser currentUser = this.context.authenticatedUser();
+        final LocalDate entryDate = DateUtils.getBusinessLocalDate();
+        final java.sql.Date sqlEntryDate = java.sql.Date.valueOf(entryDate);
+        final String transactionId = "DIVRES" + dividendPayOutId;
+        final String description = "Reserve for Dividend declaration #" + dividendPayOutId;
+        final String insertSql = """
+                INSERT INTO acc_gl_journal_entry
+                    (account_id, office_id, currency_code, transaction_id, reversed, manual_entry, entry_date, type_enum, amount,
+                     description, created_by, last_modified_by, created_date, lastmodified_date, created_on_utc, last_modified_on_utc,
+                     submitted_on_date, transaction_date)
+                VALUES (?, 1, ?, ?, false, true, ?, ?, ?, ?, ?, ?, now(), now(), now(), now(), ?, ?)
+                """;
+        // Debit reduces the equity Reserve; credit increases the Dividend Payable liability.
+        jdbcTemplate.update(insertSql, reserveAccountId, currencyCode, transactionId, sqlEntryDate, 2, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+        jdbcTemplate.update(insertSql, payableDividendsAccountId, currencyCode, transactionId, sqlEntryDate, 1, amount, description,
+                currentUser.getId(), currentUser.getId(), sqlEntryDate, sqlEntryDate);
+    }
+
     @Override
     public CommandProcessingResult approveShareProductDividend(final Long PayOutDetailId) {
         try {
@@ -182,6 +256,7 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
             }
             dividendPayOutDetails.approveDividendPayout();
             this.shareProductDividentPayOutDetailsRepository.save(dividendPayOutDetails);
+            makeDividendsClaimable(PayOutDetailId);
             return new CommandProcessingResultBuilder() //
                     .withEntityId(PayOutDetailId) //
                     .build();
@@ -191,6 +266,44 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
         }
     }
 
+    /**
+     * Real-world UCB accounting: approving a dividend does NOT credit anyone's savings account.
+     * Every member's entitlement stays purely a "Dividend Payable" GL liability (already posted at
+     * declaration time) until the member actually comes to claim it -- at which point it can be
+     * split between clearing an overdue loan, a savings credit, or cash (see
+     * {@code DividendClaimRequestApiResource}). This just marks each member's share of the
+     * declaration POSTED (their entitlement is locked in, no more recalculation) and opens a
+     * 3-year window (see {@code m_share_dividend_lock}, now an "unclaimed dividend" record rather
+     * than a savings hold) after which an unclaimed share is forfeited to the bank's profit. This
+     * is cheap enough (no per-member external command calls, just two bulk statements) to run
+     * synchronously in the approve request itself -- no background job needed.
+     */
+    private void makeDividendsClaimable(final Long payOutDetailId) {
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final java.sql.Date lockedDate = java.sql.Date.valueOf(today);
+        final java.sql.Date releaseDueDate = java.sql.Date.valueOf(today.plusYears(3));
+
+        // A linked savings account is no longer required to create the unclaimed-liability
+        // record -- disbursement destination (loan / savings / cash) is chosen when the member
+        // actually claims it, not up front. So every member gets treated identically here, whether
+        // their share account has a linked savings account or not; currency is read straight off
+        // the share account itself.
+        jdbcTemplate.update("""
+                INSERT INTO m_share_dividend_lock
+                    (dividend_detail_id, client_id, savings_account_id, currency_code, amount, locked_date, release_due_date,
+                     status, created_date, last_modified_date)
+                SELECT sad.id, sa.client_id, sa.savings_account_id, sa.currency_code, sad.amount, ?, ?, 'UNCLAIMED', now(), now()
+                FROM m_share_account_dividend_details sad
+                JOIN m_share_account sa ON sa.id = sad.account_id
+                WHERE sad.dividend_pay_out_id = ? AND sad.status = 100 AND sad.amount > 0
+                """, lockedDate, releaseDueDate, payOutDetailId);
+
+        // A member whose entitlement worked out to zero has nothing to claim; everyone else is now
+        // covered by the unclaimed-liability row above -- both get marked posted.
+        jdbcTemplate.update("UPDATE m_share_account_dividend_details SET status = 300 WHERE dividend_pay_out_id = ? AND status = 100",
+                payOutDetailId);
+    }
+
     @Override
     public CommandProcessingResult deleteShareProductDividend(final Long PayOutDetailId) {
         try {

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareproducts/starter/ShareProductsConfiguration.java

@@ -117,11 +117,11 @@ public class ShareProductsConfiguration {
             ProductPendingEditSubmittedFieldRepository pendingEditSubmittedFieldRepository,
             ProductPendingEditChargeRepository pendingEditChargeRepository,
             ProductPendingEditGlMappingRepository pendingEditGlMappingRepository,
-            CommandSourceRepository commandSourceRepository) {
+            CommandSourceRepository commandSourceRepository, JdbcTemplate jdbcTemplate) {
         return new ShareProductWritePlatformServiceJpaRepositoryImpl(repository, serializer, fromApiJsonHelper,
                 shareProductDividentPayOutDetailsRepository, shareProductDividendAssembler, accountMappingWritePlatformService,
                 businessEventNotifierService, context, productPendingEditRepository, pendingEditSubmittedFieldRepository,
-                pendingEditChargeRepository, pendingEditGlMappingRepository, commandSourceRepository);
+                pendingEditChargeRepository, pendingEditGlMappingRepository, commandSourceRepository, jdbcTemplate);
     }
 
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/data/ClientWelcomeKitData.java

@@ -28,6 +28,7 @@ import lombok.Data;
 public class ClientWelcomeKitData implements Serializable {
 
     private final String clientName;
+    private final boolean clientActive;
     private final boolean canDispatchNew;
     private final List<WelcomeKitDispatchData> dispatches;
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/data/WelcomeKitDispatchData.java

@@ -31,10 +31,13 @@ public class WelcomeKitDispatchData implements Serializable {
     private final Long clientId;
     private final String clientName;
     private final String deliveryAddress;
+    private final Long addressId;
     private final String deliveryMode;
     private final String deliveryModeOtherText;
     private final String trackingId;
     private final String status;
     private final LocalDate dispatchedOnDate;
     private final LocalDate deliveredOnDate;
+    private final LocalDate returnedOnDate;
+    private final String remarks;
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/domain/WelcomeKitDispatch.java

@@ -39,6 +39,13 @@ import org.springframework.data.jpa.domain.support.AuditingEntityListener;
 @EntityListeners(AuditingEntityListener.class)
 public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
 
+    /** Kit handed over to the delivery partner; awaiting the outcome. */
+    public static final String STATUS_DISPATCHED = "DISPATCHED";
+    /** Delivery partner confirmed delivery, so the address stands verified. */
+    public static final String STATUS_DELIVERED = "DELIVERED";
+    /** Kit came back undelivered, so the address could not be verified. */
+    public static final String STATUS_RETURNED = "RETURNED";
+
     @ManyToOne
     @JoinColumn(name = "client_id", nullable = false)
     private Client client;
@@ -46,6 +53,13 @@ public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
     @Column(name = "delivery_address", length = 500, nullable = false)
     private String deliveryAddress;
 
+    /**
+     * The client address this kit was posted to. Kept as a plain id rather than an association because the
+     * address it points at may later be edited or removed, while the dispatch record must stay as it was.
+     */
+    @Column(name = "address_id")
+    private Long addressId;
+
     @Column(name = "delivery_mode", length = 50, nullable = false)
     private String deliveryMode;
 
@@ -64,6 +78,12 @@ public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
     @Column(name = "delivered_on_date")
     private LocalDate deliveredOnDate;
 
+    @Column(name = "returned_on_date")
+    private LocalDate returnedOnDate;
+
+    @Column(name = "remarks", length = 500)
+    private String remarks;
+
     @CreatedBy
     @Column(name = "created_by", updatable = false)
     private Long createdBy;
@@ -84,11 +104,12 @@ public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
         // Default constructor for JPA
     }
 
-    private WelcomeKitDispatch(final Client client, final String deliveryAddress, final String deliveryMode,
+    private WelcomeKitDispatch(final Client client, final String deliveryAddress, final Long addressId, final String deliveryMode,
             final String deliveryModeOtherText, final String trackingId, final String status,
             final LocalDate dispatchedOnDate) {
         this.client = client;
         this.deliveryAddress = deliveryAddress;
+        this.addressId = addressId;
         this.deliveryMode = deliveryMode;
         this.deliveryModeOtherText = deliveryModeOtherText;
         this.trackingId = trackingId;
@@ -96,9 +117,10 @@ public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
         this.dispatchedOnDate = dispatchedOnDate;
     }
 
-    public static WelcomeKitDispatch createNew(final Client client, final String deliveryAddress, final String deliveryMode,
+    public static WelcomeKitDispatch createNew(final Client client, final String deliveryAddress, final Long addressId,
-            final String deliveryModeOtherText, final String trackingId, final LocalDate dispatchedOnDate) {
+            final String deliveryMode, final String deliveryModeOtherText, final String trackingId, final LocalDate dispatchedOnDate) {
-        return new WelcomeKitDispatch(client, deliveryAddress, deliveryMode, deliveryModeOtherText, trackingId, "DISPATCHED", dispatchedOnDate);
+        return new WelcomeKitDispatch(client, deliveryAddress, addressId, deliveryMode, deliveryModeOtherText, trackingId,
+                STATUS_DISPATCHED, dispatchedOnDate);
     }
 
     public Client getClient() {
@@ -109,10 +131,23 @@ public class WelcomeKitDispatch extends AbstractPersistableCustom<Long> {
         return this.status;
     }
 
-    public void updateStatus(final String newStatus, final LocalDate deliveredOnDate) {
+    public String getTrackingId() {
+        return this.trackingId;
+    }
+
+    /**
+     * Records the outcome the operator read off the delivery partner's website or app. DELIVERED stamps the delivery
+     * date and clears any previous return date, RETURNED does the reverse, so the two dates can never both be set.
+     */
+    public void updateStatus(final String newStatus, final LocalDate outcomeDate, final String remarks) {
         this.status = newStatus;
-        if ("DELIVERED".equals(newStatus)) {
+        if (STATUS_DELIVERED.equals(newStatus)) {
-            this.deliveredOnDate = deliveredOnDate;
+            this.deliveredOnDate = outcomeDate;
+            this.returnedOnDate = null;
+        } else if (STATUS_RETURNED.equals(newStatus)) {
+            this.returnedOnDate = outcomeDate;
+            this.deliveredOnDate = null;
         }
+        this.remarks = remarks;
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/domain/WelcomeKitDispatchRepository.java

@@ -25,4 +25,6 @@ import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
 public interface WelcomeKitDispatchRepository extends JpaRepository<WelcomeKitDispatch, Long>, JpaSpecificationExecutor<WelcomeKitDispatch> {
 
     List<WelcomeKitDispatch> findByClientIdOrderByCreatedDateDesc(Long clientId);
+
+    boolean existsByTrackingIdIgnoreCase(String trackingId);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/service/WelcomeKitReadPlatformServiceImpl.java

@@ -22,10 +22,13 @@ import java.sql.ResultSet;
 import java.sql.SQLException;
 import java.time.LocalDate;
 import java.util.List;
+import java.util.Map;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.domain.JdbcSupport;
+import org.apache.fineract.portfolio.client.domain.ClientStatus;
 import org.apache.fineract.portfolio.welcomekit.data.ClientWelcomeKitData;
 import org.apache.fineract.portfolio.welcomekit.data.WelcomeKitDispatchData;
+import org.apache.fineract.portfolio.welcomekit.domain.WelcomeKitDispatch;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.jdbc.core.RowMapper;
 import org.springframework.stereotype.Service;
@@ -43,20 +46,21 @@ public class WelcomeKitReadPlatformServiceImpl implements WelcomeKitReadPlatform
         
         List<WelcomeKitDispatchData> dispatches = this.jdbcTemplate.query(sql, rm, clientId);
         
-        String clientName = this.jdbcTemplate.queryForObject("SELECT display_name FROM m_client WHERE id = ?", String.class, clientId);
+        final Map<String, Object> client = this.jdbcTemplate.queryForMap("SELECT display_name, status_enum FROM m_client WHERE id = ?",
+                clientId);
+        final String clientName = (String) client.get("display_name");
+        final boolean clientActive = ClientStatus.fromInt((Integer) client.get("status_enum")).isActive();
 
-        boolean canDispatchNew = true;
+        // A kit only goes out for an active client, and only one kit is in flight at a time: a fresh one can follow
-        if (!dispatches.isEmpty()) {
+        // a returned kit (the address is being retried) but never a delivered or still-in-transit one.
-            WelcomeKitDispatchData latest = dispatches.get(0);
+        boolean canDispatchNew = clientActive;
-            if ("RETURNED".equals(latest.getStatus())) {
+        if (clientActive && !dispatches.isEmpty()) {
-                canDispatchNew = true;
+            canDispatchNew = WelcomeKitDispatch.STATUS_RETURNED.equals(dispatches.get(0).getStatus());
-            } else {
-                canDispatchNew = false;
-            }
         }
 
         return ClientWelcomeKitData.builder()
                 .clientName(clientName)
+                .clientActive(clientActive)
                 .canDispatchNew(canDispatchNew)
                 .dispatches(dispatches)
                 .build();
@@ -66,9 +70,10 @@ public class WelcomeKitReadPlatformServiceImpl implements WelcomeKitReadPlatform
 
         public String schema() {
             return " w.id as id, w.client_id as clientId, c.display_name as clientName, "
-                 + " w.delivery_address as deliveryAddress, w.delivery_mode as deliveryMode, "
+                 + " w.delivery_address as deliveryAddress, w.address_id as addressId, w.delivery_mode as deliveryMode, "
                  + " w.delivery_mode_other_text as deliveryModeOtherText, w.tracking_id as trackingId, "
-                 + " w.status as status, w.dispatched_on_date as dispatchedOnDate, w.delivered_on_date as deliveredOnDate "
+                 + " w.status as status, w.dispatched_on_date as dispatchedOnDate, w.delivered_on_date as deliveredOnDate, "
+                 + " w.returned_on_date as returnedOnDate, w.remarks as remarks "
                  + " FROM m_welcome_kit_dispatch w "
                  + " JOIN m_client c ON c.id = w.client_id ";
         }
@@ -79,24 +84,31 @@ public class WelcomeKitReadPlatformServiceImpl implements WelcomeKitReadPlatform
             final Long clientId = rs.getLong("clientId");
             final String clientName = rs.getString("clientName");
             final String deliveryAddress = rs.getString("deliveryAddress");
+            // Nullable: kits dispatched before the address link existed carry no address id.
+            final Long addressId = JdbcSupport.getLong(rs, "addressId");
             final String deliveryMode = rs.getString("deliveryMode");
             final String deliveryModeOtherText = rs.getString("deliveryModeOtherText");
             final String trackingId = rs.getString("trackingId");
             final String status = rs.getString("status");
             final LocalDate dispatchedOnDate = JdbcSupport.getLocalDate(rs, "dispatchedOnDate");
             final LocalDate deliveredOnDate = JdbcSupport.getLocalDate(rs, "deliveredOnDate");
+            final LocalDate returnedOnDate = JdbcSupport.getLocalDate(rs, "returnedOnDate");
+            final String remarks = rs.getString("remarks");
 
             return WelcomeKitDispatchData.builder()
                     .id(id)
                     .clientId(clientId)
                     .clientName(clientName)
                     .deliveryAddress(deliveryAddress)
+                    .addressId(addressId)
                     .deliveryMode(deliveryMode)
                     .deliveryModeOtherText(deliveryModeOtherText)
                     .trackingId(trackingId)
                     .status(status)
                     .dispatchedOnDate(dispatchedOnDate)
                     .deliveredOnDate(deliveredOnDate)
+                    .returnedOnDate(returnedOnDate)
+                    .remarks(remarks)
                     .build();
         }
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/welcomekit/service/WelcomeKitWritePlatformServiceImpl.java

@@ -19,12 +19,12 @@
 package org.apache.fineract.portfolio.welcomekit.service;
 
 import java.time.LocalDate;
-import java.util.UUID;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.portfolio.client.domain.ClientRepositoryWrapper;
@@ -48,9 +48,16 @@ public class WelcomeKitWritePlatformServiceImpl implements WelcomeKitWritePlatfo
 
         final Client client = this.clientRepository.findOneWithNotFoundDetection(clientId);
 
+        if (!client.isActive()) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.client.must.be.active",
+                    "A welcome kit can only be dispatched for an active client.");
+        }
+
         final String deliveryAddress = command.stringValueOfParameterNamed("deliveryAddress");
         final String deliveryMode = command.stringValueOfParameterNamed("deliveryMode");
         final String deliveryModeOtherText = command.stringValueOfParameterNamed("deliveryModeOtherText");
+        final String trackingId = command.stringValueOfParameterNamed("trackingId");
+        final Long addressId = command.longValueOfParameterNamed("addressId");
         final LocalDate dispatchedOnDate = command.localDateValueOfParameterNamed("dispatchedOnDate");
 
         if (deliveryAddress == null || deliveryAddress.trim().isEmpty()) {
@@ -61,15 +68,29 @@ public class WelcomeKitWritePlatformServiceImpl implements WelcomeKitWritePlatfo
             throw new PlatformDataIntegrityException("error.msg.welcomekit.deliveryMode.cannot.be.blank",
                     "Delivery mode cannot be blank.");
         }
+        if (trackingId == null || trackingId.trim().isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.trackingId.cannot.be.blank",
+                    "Tracking ID cannot be blank.");
+        }
         if (dispatchedOnDate == null) {
             throw new PlatformDataIntegrityException("error.msg.welcomekit.dispatchedOnDate.cannot.be.blank",
                     "Dispatched on date cannot be blank.");
         }
+        if (dispatchedOnDate.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.dispatchedOnDate.in.the.future",
+                    "Dispatched on date cannot be in the future.");
+        }
 
-        final String trackingId = "WK-" + UUID.randomUUID().toString().substring(0, 8).toUpperCase();
+        // The tracking ID is transcribed by hand from the delivery partner's receipt, so a typo could otherwise
+        // silently attach one client's consignment number to another client's kit.
+        final String sanitisedTrackingId = trackingId.trim();
+        if (this.welcomeKitDispatchRepository.existsByTrackingIdIgnoreCase(sanitisedTrackingId)) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.trackingId.duplicate",
+                    "Tracking ID " + sanitisedTrackingId + " is already recorded against another welcome kit dispatch.");
+        }
 
-        final WelcomeKitDispatch newDispatch = WelcomeKitDispatch.createNew(client, deliveryAddress, deliveryMode, deliveryModeOtherText,
+        final WelcomeKitDispatch newDispatch = WelcomeKitDispatch.createNew(client, deliveryAddress, addressId, deliveryMode,
-                trackingId, dispatchedOnDate);
+                deliveryModeOtherText, sanitisedTrackingId, dispatchedOnDate);
 
         this.welcomeKitDispatchRepository.saveAndFlush(newDispatch);
 
@@ -94,12 +115,30 @@ public class WelcomeKitWritePlatformServiceImpl implements WelcomeKitWritePlatfo
             throw new PlatformDataIntegrityException("error.msg.welcomekit.status.cannot.be.blank", "Status cannot be blank.");
         }
 
-        LocalDate deliveredOnDate = null;
+        final String newStatus = status.trim().toUpperCase();
-        if ("DELIVERED".equals(status)) {
+        if (!WelcomeKitDispatch.STATUS_DELIVERED.equals(newStatus) && !WelcomeKitDispatch.STATUS_RETURNED.equals(newStatus)) {
-            deliveredOnDate = LocalDate.now();
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.status.invalid",
+                    "Status must be either " + WelcomeKitDispatch.STATUS_DELIVERED + " or " + WelcomeKitDispatch.STATUS_RETURNED + ".");
         }
 
-        dispatch.updateStatus(status, deliveredOnDate);
+        // The outcome is recorded once. A kit that already came back is replaced by a fresh dispatch rather than
+        // being flipped to delivered after the fact.
+        if (!WelcomeKitDispatch.STATUS_DISPATCHED.equals(dispatch.getStatus())) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.outcome.already.recorded",
+                    "This welcome kit is already marked as " + dispatch.getStatus() + ".");
+        }
+
+        // The outcome date is optional; the operator may only know the day they checked the courier's site.
+        LocalDate outcomeDate = command.localDateValueOfParameterNamed("outcomeDate");
+        if (outcomeDate == null) {
+            outcomeDate = DateUtils.getBusinessLocalDate();
+        }
+        if (outcomeDate.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw new PlatformDataIntegrityException("error.msg.welcomekit.outcomeDate.in.the.future",
+                    "Outcome date cannot be in the future.");
+        }
+
+        dispatch.updateStatus(newStatus, outcomeDate, command.stringValueOfParameterNamed("remarks"));
 
         this.welcomeKitDispatchRepository.saveAndFlush(dispatch);
 

fineract-provider/src/main/java/org/apache/fineract/useradministration/api/AppUserPreferencesApiResource.java

@@ -0,0 +1,79 @@
+package org.apache.fineract.useradministration.api;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.media.Content;
+import io.swagger.v3.oas.annotations.media.Schema;
+import io.swagger.v3.oas.annotations.parameters.RequestBody;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.PUT;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.exception.NoAuthorizationException;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.data.AppUserPreferenceData;
+import org.apache.fineract.useradministration.service.AppUserPreferenceReadPlatformService;
+import org.apache.fineract.useradministration.service.AppUserPreferenceWritePlatformService;
+import org.springframework.stereotype.Component;
+
+@Path("/v1/users/{userId}/preferences")
+@Component
+@Tag(name = "User Preferences", description = "API to manage user specific preferences.")
+@RequiredArgsConstructor
+public class AppUserPreferencesApiResource {
+
+    private final PlatformSecurityContext context;
+    private final AppUserPreferenceReadPlatformService readPlatformService;
+    private final AppUserPreferenceWritePlatformService writePlatformService;
+
+    private void validateUserAuthorization(Long userId) {
+        if (!context.authenticatedUser().getId().equals(userId)) {
+            throw new NoAuthorizationException("Not authorized to access or modify preferences for another user.");
+        }
+    }
+
+    @GET
+    @Path("{preferenceName}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve user preference", description = "Retrieves a specific preference for the user.")
+    @ApiResponses({
+            @ApiResponse(responseCode = "200", description = "OK", content = @Content(schema = @Schema(implementation = AppUserPreferenceData.class))) })
+    public AppUserPreferenceData getPreference(@PathParam("userId") @Parameter(description = "userId") final Long userId,
+            @PathParam("preferenceName") @Parameter(description = "preferenceName") final String preferenceName) {
+
+        validateUserAuthorization(userId);
+        String value = readPlatformService.getPreferenceValue(userId, preferenceName);
+        return new AppUserPreferenceData(preferenceName, value);
+    }
+
+    @PUT
+    @Path("{preferenceName}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Update user preference", description = "Updates or creates a specific preference for the user.")
+    @RequestBody(required = true, content = @Content(schema = @Schema(implementation = AppUserPreferenceData.class)))
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public AppUserPreferenceData updatePreference(@PathParam("userId") @Parameter(description = "userId") final Long userId,
+            @PathParam("preferenceName") @Parameter(description = "preferenceName") final String preferenceName,
+            final AppUserPreferenceData preferenceData) {
+
+        validateUserAuthorization(userId);
+
+        // Ensure the path parameter matches the request body if the request body contains a name
+        String valueToSave = preferenceData != null ? preferenceData.getValue() : null;
+        if (valueToSave == null) {
+            throw new IllegalArgumentException("Preference value cannot be null");
+        }
+
+        writePlatformService.updatePreference(userId, preferenceName, valueToSave);
+        return new AppUserPreferenceData(preferenceName, valueToSave);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/api/UsersApiResource.java

@@ -88,6 +88,11 @@ public class UsersApiResource {
     private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final BulkImportWorkbookPopulatorService bulkImportWorkbookPopulatorService;
     private final BulkImportWorkbookService bulkImportWorkbookService;
+    private final org.apache.fineract.useradministration.service.UserPendingWritePlatformService userPendingWritePlatformService;
+    private final org.apache.fineract.useradministration.service.UserPendingReadPlatformService userPendingReadPlatformService;
+    private final org.apache.fineract.infrastructure.core.serialization.FromJsonHelper fromApiJsonHelper;
+    private final org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService configurationDomainService;
+    private final DefaultToApiJsonSerializer<org.apache.fineract.useradministration.data.UserPendingRequestData> pendingRequestApiJsonSerializer;
 
     @GET
     @Operation(summary = "Retrieve list of users", description = "Example Requests:\n" + "\n" + "users\n" + "\n" + "\n"
@@ -158,6 +163,12 @@ public class UsersApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     public String create(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        if (this.configurationDomainService.isMakerCheckerEnabled()) {
+            final org.apache.fineract.infrastructure.core.api.JsonCommand command = org.apache.fineract.infrastructure.core.api.JsonCommand
+                    .fromJsonElement(null, this.fromApiJsonHelper.parse(apiRequestBodyAsJson), this.fromApiJsonHelper);
+            final CommandProcessingResult result = this.userPendingWritePlatformService.submitCreateUser(command);
+            return this.toApiJsonSerializer.serialize(result);
+        }
 
         final CommandWrapper commandRequest = new CommandWrapperBuilder() //
                 .createUser() //
@@ -179,6 +190,12 @@ public class UsersApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     public String update(@PathParam("userId") @Parameter(description = "userId") final Long userId,
             @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        if (this.configurationDomainService.isMakerCheckerEnabled()) {
+            final org.apache.fineract.infrastructure.core.api.JsonCommand command = org.apache.fineract.infrastructure.core.api.JsonCommand
+                    .fromJsonElement(userId, this.fromApiJsonHelper.parse(apiRequestBodyAsJson), this.fromApiJsonHelper);
+            final CommandProcessingResult result = this.userPendingWritePlatformService.submitUpdateUser(userId, command);
+            return this.toApiJsonSerializer.serialize(result);
+        }
 
         final CommandWrapper commandRequest = new CommandWrapperBuilder() //
                 .updateUser(userId) //
@@ -190,6 +207,56 @@ public class UsersApiResource {
         return this.toApiJsonSerializer.serialize(result);
     }
 
+    @GET
+    @Path("pending")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List User creations & edits pending approval")
+    public org.apache.fineract.infrastructure.core.service.Page<org.apache.fineract.useradministration.data.UserPendingRequestData> retrieveAllPendingUsers(
+            @QueryParam("status") final String status,
+            @QueryParam("username") final String username,
+            @QueryParam("fromDate") final String fromDate,
+            @QueryParam("toDate") final String toDate,
+            @QueryParam("offset") final Integer offset,
+            @QueryParam("limit") final Integer limit) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        return this.userPendingReadPlatformService.retrieveAllPendingRequests(status, username, fromDate, toDate, offset, limit);
+    }
+
+    @GET
+    @Path("pending/{id}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Retrieve a pending user request by ID")
+    public String retrievePendingUser(@PathParam("id") final Long id, @Context final UriInfo uriInfo) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        final org.apache.fineract.useradministration.data.UserPendingRequestData data = this.userPendingReadPlatformService.retrievePendingRequest(id);
+        final ApiRequestJsonSerializationSettings settings = this.apiRequestParameterHelper.process(uriInfo.getQueryParameters());
+        return this.pendingRequestApiJsonSerializer.serialize(settings, data);
+    }
+
+    @POST
+    @Path("pending/{id}/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Approve a pending User creation or update")
+    public String approvePendingUser(@PathParam("id") final Long id) {
+        final CommandProcessingResult result = this.userPendingWritePlatformService.approvePendingRequest(id);
+        return this.toApiJsonSerializer.serialize(result);
+    }
+
+    @POST
+    @Path("pending/{id}/reject")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reject a pending User creation or update")
+    public String rejectPendingUser(@PathParam("id") final Long id, @Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final org.apache.fineract.infrastructure.core.api.JsonCommand command = org.apache.fineract.infrastructure.core.api.JsonCommand
+                .fromJsonElement(id, this.fromApiJsonHelper.parse(apiRequestBodyAsJson), this.fromApiJsonHelper);
+        final CommandProcessingResult result = this.userPendingWritePlatformService.rejectPendingRequest(id, command);
+        return this.toApiJsonSerializer.serialize(result);
+    }
+
     @POST
     @Path("{userId}/pwd")
     @Operation(summary = "Change the password of a User", description = "When updating a password you must provide the repeatPassword parameter also.")

fineract-provider/src/main/java/org/apache/fineract/useradministration/data/AppUserPreferenceData.java

@@ -0,0 +1,13 @@
+package org.apache.fineract.useradministration.data;
+
+import lombok.Data;
+import lombok.NoArgsConstructor;
+import lombok.AllArgsConstructor;
+
+@Data
+@NoArgsConstructor
+@AllArgsConstructor
+public class AppUserPreferenceData {
+    private String name;
+    private String value;
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/data/UserPendingRequestData.java

@@ -0,0 +1,59 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.data;
+
+import java.io.Serializable;
+import java.time.OffsetDateTime;
+import java.util.Collection;
+import java.util.Map;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public class UserPendingRequestData implements Serializable {
+
+    private static final long serialVersionUID = 1L;
+
+    private final Long id;
+    private final Long userId;
+    private final String requestType;
+    private final String status;
+    private final String username;
+    private final String firstname;
+    private final String lastname;
+    private final String email;
+    private final String mobileNo;
+    private final Long officeId;
+    private final String officeName;
+    private final Long staffId;
+    private final String staffName;
+    private final String otpDeliveryMethod;
+    private final Boolean passwordNeverExpires;
+    private final Collection<String> roleNames;
+    private final Long makerId;
+    private final String makerUsername;
+    private final OffsetDateTime submittedDate;
+    private final Long checkerId;
+    private final String checkerUsername;
+    private final OffsetDateTime checkedDate;
+    private final String rejectReason;
+    private final Map<String, Object> originalValues;
+    private final Map<String, Object> proposedValues;
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/AppUserPreference.java

@@ -0,0 +1,54 @@
+package org.apache.fineract.useradministration.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+@Entity
+@Table(name = "m_appuser_preference")
+public class AppUserPreference extends AbstractPersistableCustom<Long> {
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "appuser_id", nullable = false)
+    private AppUser appUser;
+
+    @Column(name = "name", length = 100, nullable = false)
+    private String name;
+
+    @Column(name = "value", nullable = false)
+    private String value;
+
+    protected AppUserPreference() {
+        //
+    }
+
+    private AppUserPreference(final AppUser appUser, final String name, final String value) {
+        this.appUser = appUser;
+        this.name = name;
+        this.value = value;
+    }
+
+    public static AppUserPreference create(final AppUser appUser, final String name, final String value) {
+        return new AppUserPreference(appUser, name, value);
+    }
+
+    public void updateValue(final String newValue) {
+        this.value = newValue;
+    }
+
+    public String getName() {
+        return this.name;
+    }
+
+    public String getValue() {
+        return this.value;
+    }
+
+    public AppUser getAppUser() {
+        return this.appUser;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/AppUserPreferenceRepository.java

@@ -0,0 +1,10 @@
+package org.apache.fineract.useradministration.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AppUserPreferenceRepository extends JpaRepository<AppUserPreference, Long> {
+
+    Optional<AppUserPreference> findByAppUserIdAndName(Long appUserId, String name);
+
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/UserPendingRequest.java

@@ -0,0 +1,113 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.Table;
+import java.time.OffsetDateTime;
+import java.time.ZoneOffset;
+import lombok.AccessLevel;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+
+@Entity
+@Table(name = "m_user_pending_request")
+@NoArgsConstructor(access = AccessLevel.PROTECTED)
+@Getter
+@Setter
+public class UserPendingRequest extends AbstractPersistableCustom<Long> {
+
+    @Column(name = "user_id")
+    private Long userId;
+
+    @Column(name = "request_type", nullable = false, length = 20)
+    private String requestType;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "payload_json", nullable = false)
+    private String payloadJson;
+
+    @Column(name = "original_json")
+    private String originalJson;
+
+    @Column(name = "password_hash")
+    private String passwordHash;
+
+    @Column(name = "maker_id", nullable = false)
+    private Long makerId;
+
+    @Column(name = "submitted_date", nullable = false)
+    private OffsetDateTime submittedDate;
+
+    @Column(name = "checker_id")
+    private Long checkerId;
+
+    @Column(name = "checked_date")
+    private OffsetDateTime checkedDate;
+
+    @Column(name = "reject_reason", length = 500)
+    private String rejectReason;
+
+    @Column(name = "pending_lock_key", length = 100, unique = true)
+    private String pendingLockKey;
+
+    public static UserPendingRequest create(final UserPendingRequestType requestType, final Long userId,
+            final String payloadJson, final String originalJson, final String passwordHash,
+            final Long makerId, final String pendingLockKey) {
+        final UserPendingRequest request = new UserPendingRequest();
+        request.requestType = requestType.name();
+        request.userId = userId;
+        request.status = UserPendingRequestStatus.PENDING.name();
+        request.payloadJson = payloadJson;
+        request.originalJson = originalJson;
+        request.passwordHash = passwordHash;
+        request.makerId = makerId;
+        request.submittedDate = OffsetDateTime.now(ZoneOffset.UTC);
+        request.pendingLockKey = pendingLockKey;
+        return request;
+    }
+
+    public boolean isPending() {
+        return UserPendingRequestStatus.PENDING.name().equals(this.status);
+    }
+
+    public boolean isMadeBy(final Long appUserId) {
+        return this.makerId != null && this.makerId.equals(appUserId);
+    }
+
+    public void approve(final Long checkerId) {
+        this.status = UserPendingRequestStatus.APPROVED.name();
+        this.checkerId = checkerId;
+        this.checkedDate = OffsetDateTime.now(ZoneOffset.UTC);
+        this.pendingLockKey = null;
+    }
+
+    public void reject(final Long checkerId, final String reason) {
+        this.status = UserPendingRequestStatus.REJECTED.name();
+        this.checkerId = checkerId;
+        this.checkedDate = OffsetDateTime.now(ZoneOffset.UTC);
+        this.rejectReason = reason;
+        this.pendingLockKey = null;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/UserPendingRequestRepository.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
+
+public interface UserPendingRequestRepository extends JpaRepository<UserPendingRequest, Long>, JpaSpecificationExecutor<UserPendingRequest> {
+
+    Optional<UserPendingRequest> findByPendingLockKey(String pendingLockKey);
+
+    boolean existsByPendingLockKey(String pendingLockKey);
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/UserPendingRequestRepositoryWrapper.java

@@ -0,0 +1,49 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.domain;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.useradministration.exception.UserPendingRequestNotFoundException;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+public class UserPendingRequestRepositoryWrapper {
+
+    private final UserPendingRequestRepository repository;
+
+    @Transactional(readOnly = true)
+    public UserPendingRequest findOneWithNotFoundDetection(final Long id) {
+        return this.repository.findById(id).orElseThrow(() -> new UserPendingRequestNotFoundException(id));
+    }
+
+    public UserPendingRequest saveAndFlush(final UserPendingRequest request) {
+        return this.repository.saveAndFlush(request);
+    }
+
+    public UserPendingRequest save(final UserPendingRequest request) {
+        return this.repository.save(request);
+    }
+
+    @Transactional(readOnly = true)
+    public boolean existsByPendingLockKey(final String pendingLockKey) {
+        return this.repository.existsByPendingLockKey(pendingLockKey);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/UserPendingRequestStatus.java

@@ -0,0 +1,37 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.domain;
+
+public enum UserPendingRequestStatus {
+    PENDING,
+    APPROVED,
+    REJECTED;
+
+    public static UserPendingRequestStatus fromString(final String status) {
+        if (status == null) {
+            return null;
+        }
+        for (final UserPendingRequestStatus requestStatus : values()) {
+            if (requestStatus.name().equalsIgnoreCase(status)) {
+                return requestStatus;
+            }
+        }
+        throw new IllegalArgumentException("Unknown UserPendingRequestStatus: " + status);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/domain/UserPendingRequestType.java

@@ -0,0 +1,36 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.domain;
+
+public enum UserPendingRequestType {
+    CREATE_USER,
+    UPDATE_USER;
+
+    public static UserPendingRequestType fromString(final String type) {
+        if (type == null) {
+            return null;
+        }
+        for (final UserPendingRequestType requestType : values()) {
+            if (requestType.name().equalsIgnoreCase(type)) {
+                return requestType;
+            }
+        }
+        throw new IllegalArgumentException("Unknown UserPendingRequestType: " + type);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/exception/UserPendingRequestNotFoundException.java

@@ -0,0 +1,28 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+
+public class UserPendingRequestNotFoundException extends AbstractPlatformResourceNotFoundException {
+
+    public UserPendingRequestNotFoundException(final Long id) {
+        super("error.msg.userpendingrequest.id.invalid", "User pending request with identifier " + id + " does not exist", id);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/AppUserPreferenceReadPlatformService.java

@@ -0,0 +1,5 @@
+package org.apache.fineract.useradministration.service;
+
+public interface AppUserPreferenceReadPlatformService {
+    String getPreferenceValue(Long appUserId, String name);
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/AppUserPreferenceReadPlatformServiceImpl.java

@@ -0,0 +1,20 @@
+package org.apache.fineract.useradministration.service;
+
+import java.util.Optional;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.useradministration.domain.AppUserPreference;
+import org.apache.fineract.useradministration.domain.AppUserPreferenceRepository;
+import org.springframework.stereotype.Service;
+
+@Service
+@RequiredArgsConstructor
+public class AppUserPreferenceReadPlatformServiceImpl implements AppUserPreferenceReadPlatformService {
+
+    private final AppUserPreferenceRepository appUserPreferenceRepository;
+
+    @Override
+    public String getPreferenceValue(Long appUserId, String name) {
+        Optional<AppUserPreference> pref = appUserPreferenceRepository.findByAppUserIdAndName(appUserId, name);
+        return pref.map(AppUserPreference::getValue).orElse(null);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/AppUserPreferenceWritePlatformService.java

@@ -0,0 +1,5 @@
+package org.apache.fineract.useradministration.service;
+
+public interface AppUserPreferenceWritePlatformService {
+    void updatePreference(Long appUserId, String name, String value);
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/AppUserPreferenceWritePlatformServiceImpl.java

@@ -0,0 +1,32 @@
+package org.apache.fineract.useradministration.service;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.apache.fineract.useradministration.domain.AppUserPreference;
+import org.apache.fineract.useradministration.domain.AppUserPreferenceRepository;
+import org.apache.fineract.useradministration.domain.AppUserRepository;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+public class AppUserPreferenceWritePlatformServiceImpl implements AppUserPreferenceWritePlatformService {
+
+    private final AppUserPreferenceRepository appUserPreferenceRepository;
+    private final AppUserRepository appUserRepository;
+
+    @Transactional
+    @Override
+    public void updatePreference(Long appUserId, String name, String value) {
+        AppUserPreference preference = appUserPreferenceRepository.findByAppUserIdAndName(appUserId, name).orElse(null);
+        if (preference == null) {
+            AppUser appUser = appUserRepository.findById(appUserId)
+                    .orElseThrow(() -> new PlatformDataIntegrityException("error.msg.user.id.invalid", "User not found"));
+            preference = AppUserPreference.create(appUser, name, value);
+        } else {
+            preference.updateValue(value);
+        }
+        appUserPreferenceRepository.saveAndFlush(preference);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/UserPendingReadPlatformService.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.service;
+
+import org.apache.fineract.infrastructure.core.service.Page;
+import org.apache.fineract.useradministration.data.UserPendingRequestData;
+
+public interface UserPendingReadPlatformService {
+
+    Page<UserPendingRequestData> retrieveAllPendingRequests(String status, String username, String fromDate, String toDate,
+            Integer offset, Integer limit);
+
+    UserPendingRequestData retrievePendingRequest(Long id);
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/UserPendingReadPlatformServiceImpl.java

@@ -0,0 +1,329 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.service;
+
+import com.google.gson.Gson;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.sql.ResultSet;
+import java.sql.SQLException;
+import java.time.OffsetDateTime;
+import java.util.ArrayList;
+import java.util.Collection;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.fineract.infrastructure.core.domain.JdbcSupport;
+import org.apache.fineract.infrastructure.core.serialization.GoogleGsonSerializerHelper;
+import org.apache.fineract.infrastructure.core.service.Page;
+import org.apache.fineract.useradministration.data.UserPendingRequestData;
+import org.apache.fineract.useradministration.domain.UserPendingRequest;
+import org.apache.fineract.useradministration.domain.UserPendingRequestRepositoryWrapper;
+import org.springframework.dao.EmptyResultDataAccessException;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.jdbc.core.RowMapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@RequiredArgsConstructor
+public class UserPendingReadPlatformServiceImpl implements UserPendingReadPlatformService {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final UserPendingRequestRepositoryWrapper pendingRequestRepositoryWrapper;
+    private final Gson gson = GoogleGsonSerializerHelper.createSimpleGson();
+
+    private static final String SELECT_SQL = """
+            SELECT r.id AS id,
+                   r.user_id AS userId,
+                   r.request_type AS requestType,
+                   r.status AS status,
+                   r.payload_json AS payloadJson,
+                   r.original_json AS originalJson,
+                   r.maker_id AS makerId,
+                   maker.username AS makerUsername,
+                   r.submitted_date AS submittedDate,
+                   r.checker_id AS checkerId,
+                   checker.username AS checkerUsername,
+                   r.checked_date AS checkedDate,
+                   r.reject_reason AS rejectReason
+            FROM m_user_pending_request r
+            JOIN m_appuser maker ON maker.id = r.maker_id
+            LEFT JOIN m_appuser checker ON checker.id = r.checker_id
+            """;
+
+    @Override
+    @Transactional(readOnly = true)
+    public Page<UserPendingRequestData> retrieveAllPendingRequests(final String status, final String username,
+            final String fromDate, final String toDate, final Integer offset, final Integer limit) {
+        final StringBuilder where = new StringBuilder(" WHERE 1=1");
+        final List<Object> args = new ArrayList<>();
+
+        if (StringUtils.isNotBlank(status)) {
+            where.append(" AND r.status = ?");
+            args.add(status.trim().toUpperCase());
+        } else {
+            where.append(" AND r.status = 'PENDING'");
+        }
+
+        if (StringUtils.isNotBlank(fromDate)) {
+            where.append(" AND r.submitted_date::date >= ?::date");
+            args.add(fromDate);
+        }
+        if (StringUtils.isNotBlank(toDate)) {
+            where.append(" AND r.submitted_date::date <= ?::date");
+            args.add(toDate);
+        }
+
+        final String countSql = "SELECT COUNT(*) FROM m_user_pending_request r " + where;
+        final Long totalFilteredRecords = this.jdbcTemplate.queryForObject(countSql, Long.class, args.toArray());
+
+        final int pageOffset = offset == null ? 0 : offset;
+        final int pageLimit = limit == null ? 20 : limit;
+        final String pageSql = SELECT_SQL + where + " ORDER BY r.submitted_date DESC LIMIT ? OFFSET ?";
+        final List<Object> pageArgs = new ArrayList<>(args);
+        pageArgs.add(pageLimit);
+        pageArgs.add(pageOffset);
+
+        final List<UserPendingRequestData> items = this.jdbcTemplate.query(pageSql, new UserPendingRowMapper(), pageArgs.toArray());
+
+        return new Page<>(items, totalFilteredRecords == null ? 0 : totalFilteredRecords.intValue());
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public UserPendingRequestData retrievePendingRequest(final Long id) {
+        final UserPendingRequest request = this.pendingRequestRepositoryWrapper.findOneWithNotFoundDetection(id);
+        final String sql = SELECT_SQL + " WHERE r.id = ?";
+        return this.jdbcTemplate.queryForObject(sql, new UserPendingDetailRowMapper(), id);
+    }
+
+    private static class UserPendingRowMapper implements RowMapper<UserPendingRequestData> {
+
+        @Override
+        public UserPendingRequestData mapRow(final ResultSet rs, final int rowNum) throws SQLException {
+            final Long id = rs.getLong("id");
+            final Long userId = JdbcSupport.getLong(rs, "userId");
+            final String requestType = rs.getString("requestType");
+            final String status = rs.getString("status");
+            final String payloadJson = rs.getString("payloadJson");
+            final Long makerId = rs.getLong("makerId");
+            final String makerUsername = rs.getString("makerUsername");
+            final OffsetDateTime submittedDate = rs.getObject("submittedDate", OffsetDateTime.class);
+            final Long checkerId = JdbcSupport.getLong(rs, "checkerId");
+            final String checkerUsername = rs.getString("checkerUsername");
+            final OffsetDateTime checkedDate = rs.getObject("checkedDate", OffsetDateTime.class);
+            final String rejectReason = rs.getString("rejectReason");
+
+            String username = null;
+            String firstname = null;
+            String lastname = null;
+            String email = null;
+            String mobileNo = null;
+            Long officeId = null;
+            String otpDeliveryMethod = null;
+
+            try {
+                if (payloadJson != null) {
+                    final JsonObject payloadObj = JsonParser.parseString(payloadJson).getAsJsonObject();
+                    if (payloadObj.has("username")) {
+                        username = payloadObj.get("username").getAsString();
+                    }
+                    if (payloadObj.has("firstname")) {
+                        firstname = payloadObj.get("firstname").getAsString();
+                    }
+                    if (payloadObj.has("lastname")) {
+                        lastname = payloadObj.get("lastname").getAsString();
+                    }
+                    if (payloadObj.has("email")) {
+                        email = payloadObj.get("email").getAsString();
+                    }
+                    if (payloadObj.has("mobileNo")) {
+                        mobileNo = payloadObj.get("mobileNo").getAsString();
+                    }
+                    if (payloadObj.has("officeId")) {
+                        officeId = payloadObj.get("officeId").getAsLong();
+                    }
+                    if (payloadObj.has("otpDeliveryMethod")) {
+                        otpDeliveryMethod = payloadObj.get("otpDeliveryMethod").getAsString();
+                    }
+                }
+            } catch (Exception ignored) {
+            }
+
+            return UserPendingRequestData.builder()
+                    .id(id)
+                    .userId(userId)
+                    .requestType(requestType)
+                    .status(status)
+                    .username(username)
+                    .firstname(firstname)
+                    .lastname(lastname)
+                    .email(email)
+                    .mobileNo(mobileNo)
+                    .officeId(officeId)
+                    .otpDeliveryMethod(otpDeliveryMethod)
+                    .makerId(makerId)
+                    .makerUsername(makerUsername)
+                    .submittedDate(submittedDate)
+                    .checkerId(checkerId)
+                    .checkerUsername(checkerUsername)
+                    .checkedDate(checkedDate)
+                    .rejectReason(rejectReason)
+                    .build();
+        }
+    }
+
+    private static class UserPendingDetailRowMapper implements RowMapper<UserPendingRequestData> {
+
+        @Override
+        public UserPendingRequestData mapRow(final ResultSet rs, final int rowNum) throws SQLException {
+            final Long id = rs.getLong("id");
+            final Long userId = JdbcSupport.getLong(rs, "userId");
+            final String requestType = rs.getString("requestType");
+            final String status = rs.getString("status");
+            final String payloadJson = rs.getString("payloadJson");
+            final String originalJson = rs.getString("originalJson");
+            final Long makerId = rs.getLong("makerId");
+            final String makerUsername = rs.getString("makerUsername");
+            final OffsetDateTime submittedDate = rs.getObject("submittedDate", OffsetDateTime.class);
+            final Long checkerId = JdbcSupport.getLong(rs, "checkerId");
+            final String checkerUsername = rs.getString("checkerUsername");
+            final OffsetDateTime checkedDate = rs.getObject("checkedDate", OffsetDateTime.class);
+            final String rejectReason = rs.getString("rejectReason");
+
+            final Map<String, Object> proposedValues = new LinkedHashMap<>();
+            final Map<String, Object> originalValues = new LinkedHashMap<>();
+
+            String username = null;
+            String firstname = null;
+            String lastname = null;
+            String email = null;
+            String mobileNo = null;
+            Long officeId = null;
+            String otpDeliveryMethod = null;
+            Boolean passwordNeverExpires = null;
+
+            try {
+                if (payloadJson != null) {
+                    final JsonObject payloadObj = JsonParser.parseString(payloadJson).getAsJsonObject();
+                    for (final String key : payloadObj.keySet()) {
+                        final JsonElement val = payloadObj.get(key);
+                        if ("password".equals(key) || "repeatPassword".equals(key)) {
+                            proposedValues.put("password", "Password will be set on approval");
+                        } else if (val.isJsonPrimitive()) {
+                            if (val.getAsJsonPrimitive().isBoolean()) {
+                                proposedValues.put(key, val.getAsBoolean());
+                            } else if (val.getAsJsonPrimitive().isNumber()) {
+                                proposedValues.put(key, val.getAsNumber());
+                            } else {
+                                proposedValues.put(key, val.getAsString());
+                            }
+                        } else if (val.isJsonArray()) {
+                            final List<String> list = new ArrayList<>();
+                            for (final JsonElement elem : val.getAsJsonArray()) {
+                                list.add(elem.getAsString());
+                            }
+                            proposedValues.put(key, list);
+                        }
+                    }
+
+                    if (proposedValues.containsKey("username")) {
+                        username = (String) proposedValues.get("username");
+                    }
+                    if (proposedValues.containsKey("firstname")) {
+                        firstname = (String) proposedValues.get("firstname");
+                    }
+                    if (proposedValues.containsKey("lastname")) {
+                        lastname = (String) proposedValues.get("lastname");
+                    }
+                    if (proposedValues.containsKey("email")) {
+                        email = (String) proposedValues.get("email");
+                    }
+                    if (proposedValues.containsKey("mobileNo")) {
+                        mobileNo = (String) proposedValues.get("mobileNo");
+                    }
+                    if (proposedValues.get("officeId") instanceof Number n) {
+                        officeId = n.longValue();
+                    }
+                    if (proposedValues.containsKey("otpDeliveryMethod")) {
+                        otpDeliveryMethod = (String) proposedValues.get("otpDeliveryMethod");
+                    }
+                    if (proposedValues.get("passwordNeverExpires") instanceof Boolean b) {
+                        passwordNeverExpires = b;
+                    }
+                }
+
+                if (originalJson != null) {
+                    final JsonObject origObj = JsonParser.parseString(originalJson).getAsJsonObject();
+                    for (final String key : origObj.keySet()) {
+                        final JsonElement val = origObj.get(key);
+                        if (val.isJsonPrimitive()) {
+                            if (val.getAsJsonPrimitive().isBoolean()) {
+                                originalValues.put(key, val.getAsBoolean());
+                            } else if (val.getAsJsonPrimitive().isNumber()) {
+                                originalValues.put(key, val.getAsNumber());
+                            } else {
+                                originalValues.put(key, val.getAsString());
+                            }
+                        } else if (val.isJsonArray()) {
+                            final List<String> list = new ArrayList<>();
+                            for (final JsonElement elem : val.getAsJsonArray()) {
+                                list.add(elem.getAsString());
+                            }
+                            originalValues.put(key, list);
+                        }
+                    }
+                    if (proposedValues.containsKey("password")) {
+                        originalValues.put("password", "[PROTECTED]");
+                    }
+                }
+            } catch (Exception ignored) {
+            }
+
+            return UserPendingRequestData.builder()
+                    .id(id)
+                    .userId(userId)
+                    .requestType(requestType)
+                    .status(status)
+                    .username(username)
+                    .firstname(firstname)
+                    .lastname(lastname)
+                    .email(email)
+                    .mobileNo(mobileNo)
+                    .officeId(officeId)
+                    .otpDeliveryMethod(otpDeliveryMethod)
+                    .passwordNeverExpires(passwordNeverExpires)
+                    .makerId(makerId)
+                    .makerUsername(makerUsername)
+                    .submittedDate(submittedDate)
+                    .checkerId(checkerId)
+                    .checkerUsername(checkerUsername)
+                    .checkedDate(checkedDate)
+                    .rejectReason(rejectReason)
+                    .originalValues(originalValues)
+                    .proposedValues(proposedValues)
+                    .build();
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/useradministration/service/UserPendingWritePlatformService.java

@@ -0,0 +1,33 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.service;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+public interface UserPendingWritePlatformService {
+
+    CommandProcessingResult submitCreateUser(JsonCommand command);
+
+    CommandProcessingResult submitUpdateUser(Long userId, JsonCommand command);
+
+    CommandProcessingResult approvePendingRequest(Long id);
+
+    CommandProcessingResult rejectPendingRequest(Long id, JsonCommand command);
+}