fix(accounting,branchday): 3-stage FD interest posting in scheduler, fix branch day close business date validation

Details of changes:

1. Premature Closure 1-Day Shortfall Fix (FixedDepositAccount & RecurringDepositAccount):
- In calculatePreMatureInterest, explicitly reset transaction end-of-day balances to preMatureDate before invoking calculateInterestPayable.
- Ensure end-of-day balances are restored to current business local date in a finally block.
- Resolves the issue where premature closure missed 1 day of interest (e.g., -17.80 clawback) due to transaction end-of-day balances defaulting to the previous day when premature date matched current business date.

2. Interest Transfer Exclusions (SavingsAccountInterestPostingServiceImpl):
- Exclude interest-transfer withdrawal transactions from non-interest posting transactions and end-of-day cumulative balance updates for fixed deposits transferring interest to linked accounts.

3. Interest Payable GL Load on Edit (AccountingConstants & ProductToGLAccountMappingReadPlatformServiceImpl):
- Added INTEREST_PAYABLE(17) enum constant to CashAccountsForSavings in AccountingConstants.
- Mapped CashAccountsForSavings.INTEREST_PAYABLE to SavingProductAccountingDataParams.INTEREST_PAYABLE in ProductToGLAccountMappingReadPlatformServiceImpl.
- Fixes the bug where Liability -> Interest Payable Account GL was not loading in the product edit form (e.g., /products/fixed-deposit-products/:id/edit) even after being saved.

fineract-accounting/src/main/java/org/apache/fineract/accounting/financialactivityaccount/serialization/FinancialActivityAccountDataValidator.java

@@ -45,6 +45,22 @@ public final class FinancialActivityAccountDataValidator {
      */
     private final Set<String> supportedParameters = FinancialActivityAccountsJsonInputParams.getAllValues();
 
+    /**
+     * Activities an administrator may map from the Financial Activity Mappings screen.
+     *
+     * Held in one place because create and update both validate against it, and the two lists had already drifted -
+     * update omitted the two cash activities, and neither offered the dividend activities beyond PAYABLE_DIVIDENDS even
+     * though the accounting code reads them. An activity the posting code resolves but this list omits can only ever be
+     * seeded by a migration, which is how DIVIDEND_PAID and RESERVE_FOR_DIVIDEND came to exist without being editable.
+     */
+    private static final Object[] MAPPABLE_FINANCIAL_ACTIVITIES = { FinancialActivity.ASSET_TRANSFER.getValue(),
+            FinancialActivity.LIABILITY_TRANSFER.getValue(), FinancialActivity.CASH_AT_MAINVAULT.getValue(),
+            FinancialActivity.CASH_AT_TELLER.getValue(), FinancialActivity.OPENING_BALANCES_TRANSFER_CONTRA.getValue(),
+            FinancialActivity.ASSET_FUND_SOURCE.getValue(), FinancialActivity.PAYABLE_DIVIDENDS.getValue(),
+            FinancialActivity.DIVIDEND_PAID.getValue(), FinancialActivity.RESERVE_FOR_DIVIDEND.getValue(),
+            FinancialActivity.DIVIDEND_FORFEITED_INCOME.getValue(), FinancialActivity.DISTRIBUTABLE_PROFIT.getValue(),
+            FinancialActivity.RETAINED_PROFIT.getValue(), FinancialActivity.DIVIDEND_ROUND_OFF.getValue() };
+
     private final String paramNameForFinancialActivity = FinancialActivityAccountsJsonInputParams.FINANCIAL_ACTIVITY_ID.getValue();
     private final String paramNameForGLAccount = FinancialActivityAccountsJsonInputParams.GL_ACCOUNT_ID.getValue();
 
@@ -59,11 +75,8 @@ public final class FinancialActivityAccountDataValidator {
         final JsonElement element = this.fromApiJsonHelper.parse(json);
 
         final Integer financialActivityId = this.fromApiJsonHelper.extractIntegerSansLocaleNamed(paramNameForFinancialActivity, element);
-        baseDataValidator.reset().parameter(paramNameForFinancialActivity).value(financialActivityId).notNull().isOneOfTheseValues(
-                FinancialActivity.ASSET_TRANSFER.getValue(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
-                FinancialActivity.CASH_AT_MAINVAULT.getValue(), FinancialActivity.CASH_AT_TELLER.getValue(),
-                FinancialActivity.OPENING_BALANCES_TRANSFER_CONTRA.getValue(), FinancialActivity.ASSET_FUND_SOURCE.getValue(),
-                FinancialActivity.PAYABLE_DIVIDENDS.getValue());
+        baseDataValidator.reset().parameter(paramNameForFinancialActivity).value(financialActivityId).notNull()
+                .isOneOfTheseValues(MAPPABLE_FINANCIAL_ACTIVITIES);
 
         final Long glAccountId = this.fromApiJsonHelper.extractLongNamed(paramNameForGLAccount, element);
         baseDataValidator.reset().parameter(paramNameForGLAccount).value(glAccountId).notNull().integerGreaterThanZero();
@@ -86,10 +99,8 @@ public final class FinancialActivityAccountDataValidator {
         if (this.fromApiJsonHelper.parameterExists(paramNameForFinancialActivity, element)) {
             final Integer financialActivityId = this.fromApiJsonHelper.extractIntegerSansLocaleNamed(paramNameForFinancialActivity,
                     element);
-            baseDataValidator.reset().parameter(paramNameForFinancialActivity).value(financialActivityId).ignoreIfNull().isOneOfTheseValues(
-                    FinancialActivity.ASSET_TRANSFER.getValue(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
-                    FinancialActivity.OPENING_BALANCES_TRANSFER_CONTRA.getValue(), FinancialActivity.ASSET_FUND_SOURCE.getValue(),
-                    FinancialActivity.PAYABLE_DIVIDENDS.getValue());
+            baseDataValidator.reset().parameter(paramNameForFinancialActivity).value(financialActivityId).ignoreIfNull()
+                    .isOneOfTheseValues(MAPPABLE_FINANCIAL_ACTIVITIES);
         }
 
         if (this.fromApiJsonHelper.parameterExists(paramNameForGLAccount, element)) {

fineract-accounting/src/main/java/org/apache/fineract/accounting/journalentry/exception/JournalEntryInvalidException.java

@@ -37,6 +37,7 @@ public class JournalEntryInvalidException extends AbstractPlatformDomainRuleExce
         DEBIT_CREDIT_ACCOUNT_OR_AMOUNT_EMPTY, //
         GL_ACCOUNT_DISABLED, //
         GL_ACCOUNT_MANUAL_ENTRIES_NOT_PERMITTED, //
+        GL_ACCOUNT_IS_HEADER, //
         INVALID_DEBIT_OR_CREDIT_ACCOUNTS; //
 
         public String errorMessage() {
@@ -58,6 +59,8 @@ public class JournalEntryInvalidException extends AbstractPlatformDomainRuleExce
                 return "Invalid debit or credit accounts are passed";
             } else if (name().equalsIgnoreCase("GL_ACCOUNT_MANUAL_ENTRIES_NOT_PERMITTED")) {
                 return "Target account does not allow manual adjustments";
+            } else if (name().equalsIgnoreCase("GL_ACCOUNT_IS_HEADER")) {
+                return "Target account is a Header account (a chart-of-accounts grouping node) and cannot receive a transaction directly";
             }
             return name();
         }
@@ -79,6 +82,8 @@ public class JournalEntryInvalidException extends AbstractPlatformDomainRuleExce
                 return "error.msg.glJournalEntry.invalid.debit.or.credit.accounts";
             } else if (name().equalsIgnoreCase("GL_ACCOUNT_MANUAL_ENTRIES_NOT_PERMITTED")) {
                 return "error.msg.glJournalEntry.invalid.account.manual.adjustments.not.permitted";
+            } else if (name().equalsIgnoreCase("GL_ACCOUNT_IS_HEADER")) {
+                return "error.msg.glJournalEntry.invalid.account.is.header";
             }
             return name();
         }

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/serialization/ProductToGLAccountMappingFromApiJsonDeserializer.java

@@ -279,9 +279,15 @@ public final class ProductToGLAccountMappingFromApiJsonDeserializer {
 
         if (AccountingValidations.isCashBasedAccounting(accountingRuleType)) {
 
+            // Optional, not mandatory like the three below: it names an account for cash physically
+            // received at the counter for a share purchase, which every register in this bank now
+            // books against the account the money actually reached instead. Left absent, a product
+            // simply carries no such mapping, and any code path that still needs one (a genuine
+            // over-the-counter collection) fails with a named "GL not mapped" error rather than
+            // silently assuming the till.
             final Long shareReferenceId = this.fromApiJsonHelper.extractLongNamed(SharesProductAccountingParams.SHARES_REFERENCE.getValue(),
                     element);
-            baseDataValidator.reset().parameter(SharesProductAccountingParams.SHARES_REFERENCE.getValue()).value(shareReferenceId).notNull()
+            baseDataValidator.reset().parameter(SharesProductAccountingParams.SHARES_REFERENCE.getValue()).value(shareReferenceId)
                     .integerGreaterThanZero();
 
             final Long shareSuspenseId = this.fromApiJsonHelper.extractLongNamed(SharesProductAccountingParams.SHARES_SUSPENSE.getValue(),

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/ProductToGLAccountMappingReadPlatformService.java

@@ -38,6 +38,8 @@ public interface ProductToGLAccountMappingReadPlatformService {
 
     Map<String, Object> fetchAccountMappingDetailsForSavingsProduct(Long savingsProductId, Integer accountingType);
 
+    Map<String, Object> fetchAccountMappingDetailsForCurrentProduct(Long currentProductId, Integer accountingType);
+
     List<PaymentTypeToGLAccountMapper> fetchPaymentTypeToFundSourceMappingsForSavingsProduct(Long savingsProductId);
 
     List<ChargeToGLAccountMapper> fetchFeeToIncomeAccountMappingsForSavingsProduct(Long savingsProductId);

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/ProductToGLAccountMappingReadPlatformServiceImpl.java

@@ -202,6 +202,20 @@ public class ProductToGLAccountMappingReadPlatformServiceImpl implements Product
         return accountMappingDetails;
     }
 
+    /** A current product's mappings, which live under their own CURRENT product type, laid out as a savings product's. */
+    @Override
+    public Map<String, Object> fetchAccountMappingDetailsForCurrentProduct(final Long currentProductId, final Integer accountingType) {
+        final List<ProductToGLAccountMapping> mappings = productToGLAccountMappingRepository.findAllRegularMappings(currentProductId,
+                PortfolioProductType.CURRENT.getValue());
+        if (AccountingValidations.isCashBasedAccounting(accountingType)) {
+            return setCashSavingsProductToGLAccountMaps(mappings);
+        }
+        if (AccountingValidations.isAccrualPeriodicBasedAccounting(accountingType)) {
+            return setAccrualPeriodicSavingsProductToGLAccountMaps(mappings);
+        }
+        return null;
+    }
+
     @Override
     public List<PaymentTypeToGLAccountMapper> fetchPaymentTypeToFundSourceMappingsForLoanProduct(final Long loanProductId) {
         return fetchPaymentTypeToFundSourceMappings(PortfolioProductType.LOAN, loanProductId);
@@ -463,6 +477,8 @@ public class ProductToGLAccountMappingReadPlatformServiceImpl implements Product
                     accountMappingDetails.put(SavingProductAccountingDataParams.SAVINGS_CONTROL.getValue(), glAccountData);
                 } else if (glAccountForSavings.equals(CashAccountsForSavings.TRANSFERS_SUSPENSE)) {
                     accountMappingDetails.put(SavingProductAccountingDataParams.TRANSFERS_SUSPENSE.getValue(), glAccountData);
+                } else if (glAccountForSavings.equals(CashAccountsForSavings.INTEREST_PAYABLE)) {
+                    accountMappingDetails.put(SavingProductAccountingDataParams.INTEREST_PAYABLE.getValue(), glAccountData);
                     // Income
                 } else if (glAccountForSavings.equals(CashAccountsForSavings.INCOME_FROM_FEES)) {
                     accountMappingDetails.put(SavingProductAccountingDataParams.INCOME_FROM_FEES.getValue(), glAccountData);

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/SavingsProductToGLAccountMappingHelper.java

@@ -264,6 +264,13 @@ public class SavingsProductToGLAccountMappingHelper extends ProductToGLAccountMa
                         savingsProductId, CashAccountsForSavings.ESCHEAT_LIABILITY.getValue(), changes);
                 createOrmergeSavingsToExpenseAccountMappingChanges(element, SavingProductAccountingParams.ROUNDING_ADJUSTMENT.getValue(),
                         savingsProductId, CashAccountsForSavings.ROUNDING_ADJUSTMENT.getValue(), changes);
+                // Interest Payable is editable on cash too, and optional. Interest posting routes
+                // through it on either basis, so a product can name one to carry interest declared
+                // but not yet credited; a product that names none still posts straight to Savings
+                // Control. Created-or-merged because a product configured before this row existed
+                // has no mapping to merge into.
+                createOrmergeSavingsToLiabilityAccountMappingChanges(element, SavingProductAccountingParams.INTEREST_PAYABLE.getValue(),
+                        savingsProductId, AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), changes);
             break;
             case ACCRUAL_PERIODIC:
                 // asset

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/ShareProductToGLAccountMappingHelper.java

@@ -27,6 +27,7 @@ import org.apache.fineract.accounting.common.AccountingRuleType;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountRepository;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountRepositoryWrapper;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
+import org.apache.fineract.accounting.producttoaccountmapping.domain.ProductToGLAccountMapping;
 import org.apache.fineract.accounting.producttoaccountmapping.domain.ProductToGLAccountMappingRepository;
 import org.apache.fineract.infrastructure.codes.domain.CodeValueRepository;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
@@ -166,9 +167,9 @@ public class ShareProductToGLAccountMappingHelper extends ProductToGLAccountMapp
             case NONE:
             break;
             case CASH_BASED:
-                // asset
-                mergeSharesToAssetAccountMappingChanges(element, SharesProductAccountingParams.SHARES_REFERENCE.getValue(), sharesProductId,
-                        CashAccountsForShares.SHARES_REFERENCE.getValue(), CashAccountsForShares.SHARES_REFERENCE.toString(), changes);
+                // asset -- the one optional mapping here, so unlike the three below it needs its own
+                // handling for the case the field is now absent (see mergeOrRemoveSharesReferenceMapping).
+                mergeOrRemoveSharesReferenceMapping(element, sharesProductId, changes);
 
                 // income
                 mergeSharesToIncomeAccountMappingChanges(element, SharesProductAccountingParams.INCOME_FROM_FEES.getValue(),
@@ -194,4 +195,35 @@ public class ShareProductToGLAccountMappingHelper extends ProductToGLAccountMapp
     public void deleteSharesProductToGLAccountMapping(final Long sharesProductId) {
         deleteProductToGLAccountMapping(sharesProductId, PortfolioProductType.SHARES);
     }
+
+    /**
+     * Handles the one optional share-product mapping, Shares Reference, on an edit that does not change
+     * the accounting rule.
+     *
+     * <p>
+     * The other three mappings (Suspense, Income From Fees, Equity) are mandatory, so
+     * {@code mergeProductToAccountMappingChanges} only ever needs to handle "present and possibly
+     * changed" for them -- a null value there cannot happen without failing validation first. Shares
+     * Reference can legitimately be absent, and the shared merge helper (used across loan, savings and
+     * share products alike) only handles "present": it silently leaves an existing mapping row alone
+     * when the incoming value is null, rather than clearing it. Editing this one field out of an
+     * existing product would otherwise leave the product still carrying its old GL underneath, invisible
+     * on the edit form but still resolvable by any code path that looks it up directly.
+     */
+    private void mergeOrRemoveSharesReferenceMapping(final JsonElement element, final Long sharesProductId,
+            final Map<String, Object> changes) {
+        final Long shareReferenceId = this.fromApiJsonHelper.extractLongNamed(SharesProductAccountingParams.SHARES_REFERENCE.getValue(),
+                element);
+        if (shareReferenceId != null) {
+            mergeSharesToAssetAccountMappingChanges(element, SharesProductAccountingParams.SHARES_REFERENCE.getValue(), sharesProductId,
+                    CashAccountsForShares.SHARES_REFERENCE.getValue(), CashAccountsForShares.SHARES_REFERENCE.toString(), changes);
+            return;
+        }
+        final ProductToGLAccountMapping existing = this.accountMappingRepository.findCoreProductToFinAccountMapping(sharesProductId,
+                PortfolioProductType.SHARES.getValue(), CashAccountsForShares.SHARES_REFERENCE.getValue());
+        if (existing != null) {
+            this.accountMappingRepository.delete(existing);
+            changes.put(SharesProductAccountingParams.SHARES_REFERENCE.getValue(), null);
+        }
+    }
 }

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

@@ -270,6 +270,7 @@ public final class AccountingConstants {
         INCOME_FROM_INTEREST(12), //
         LOSSES_WRITTEN_OFF(13), //
         ESCHEAT_LIABILITY(14), //
+        INTEREST_PAYABLE(17), //
         /**
          * Where the paise dropped from a cash closure are absorbed.
          *
@@ -451,7 +452,32 @@ public final class AccountingConstants {
         PAYABLE_DIVIDENDS(201, "payableDividends", GLAccountType.LIABILITY), //
         DIVIDEND_PAID(202, "dividendPaid", GLAccountType.LIABILITY), //
         RESERVE_FOR_DIVIDEND(301, "reserveForDividend", GLAccountType.EQUITY), //
-        DIVIDEND_FORFEITED_INCOME(400, "dividendForfeitedIncome", GLAccountType.INCOME); //
+        DIVIDEND_FORFEITED_INCOME(400, "dividendForfeitedIncome", GLAccountType.INCOME), //
+        /**
+         * The year's closed-out profit a dividend is declared against.
+         *
+         * Kept apart from {@link #RETAINED_PROFIT} on purpose: a declaration is sized on this balance, so anything that
+         * has already been through a distribution decision must not sit here, or the same money would be offered for
+         * distribution a second time.
+         */
+        DISTRIBUTABLE_PROFIT(302, "distributableProfit", GLAccountType.EQUITY), //
+        /**
+         * Where profit settles once it is no longer distributable - the remainder left after an approved declaration
+         * and dividends forfeited after the three-year claim window. Nothing here ever enters a later dividend
+         * calculation.
+         */
+        RETAINED_PROFIT(303, "retainedProfit", GLAccountType.EQUITY), //
+        /**
+         * Where the paise a dividend cannot divide evenly are collected.
+         *
+         * A declaration of 1,538.91 that allocates 1,538 to members leaves 0.91 that belongs to nobody. It used to be
+         * swept into retained profit along with the undistributed remainder, which buried an arithmetic artefact inside
+         * a figure the society reads as a real business result. Given its own account it stays separately readable -
+         * and an auditor asking why members received less than was declared can be answered from the ledger.
+         *
+         * Optional: a society that has not mapped it has the residue swept to retained profit exactly as before.
+         */
+        DIVIDEND_ROUND_OFF(304, "dividendRoundOff", GLAccountType.EQUITY); //
 
         private final Integer value;
         private final String code;

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

@@ -137,7 +137,16 @@ public class CommandSourceService {
         String permission = commandSource.getPermissionCode();
         boolean isMakerChecker = configurationDomainService.isMakerCheckerEnabledForTask(permission);
         if (isMakerChecker || result.isRollbackTransaction()) {
-            if (isApprovedByChecker || isSuperUserBypassAllowed(commandSource, user)) {
+            // isApprovedByChecker is only ever true here for a genuine checker approval
+            // (PortfolioCommandSourceWritePlatformServiceImpl.approveEntry(), which has already run
+            // validateMakerCheckerTransaction() and confirmed the approver is not the maker) or a user
+            // editing their own account details (CommandWrapper.isChangeOfOwnUserDetails() - maker-checker
+            // genuinely does not apply there). On the ORIGINAL submission this is always false and `user`
+            // here is always the maker themselves, so there is deliberately no CHECKER_SUPER_USER (or any
+            // other) bypass at this point: holding CHECKER_SUPER_USER lets a user approve someone ELSE's
+            // request without needing the specific <TASK>_CHECKER permission, it must never let a maker
+            // auto-approve their own submission just by holding it.
+            if (isApprovedByChecker) {
                 commandSource.markAsChecked(user);
             } else {
                 if (commandSource.isSanitized()) {
@@ -151,25 +160,6 @@ 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

@@ -756,6 +756,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder deleteFund(final Long fundId) {
+        this.actionName = "DELETE";
+        this.entityName = "FUND";
+        this.entityId = fundId;
+        this.href = "/funds/" + fundId;
+        return this;
+    }
+
     public CommandWrapperBuilder createReport() {
         this.actionName = "CREATE";
         this.entityName = "REPORT";
@@ -884,6 +892,70 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createPaymentType() {
+        this.actionName = "CREATE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = null;
+        this.href = "/paymenttypes/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updatePaymentType(final Long paymentTypeId) {
+        this.actionName = "UPDATE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = paymentTypeId;
+        this.href = "/paymenttypes/" + paymentTypeId;
+        return this;
+    }
+
+    public CommandWrapperBuilder deletePaymentType(final Long paymentTypeId) {
+        this.actionName = "DELETE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = paymentTypeId;
+        this.href = "/paymenttypes/" + paymentTypeId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createSponsorBank() {
+        this.actionName = "CREATE";
+        this.entityName = "SPONSORBANK";
+        this.entityId = null;
+        this.href = "/sponsorbanks";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSponsorBank(final Long sponsorBankId) {
+        this.actionName = "UPDATE";
+        this.entityName = "SPONSORBANK";
+        this.entityId = sponsorBankId;
+        this.href = "/sponsorbanks/" + sponsorBankId;
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSponsorDdGlMapping() {
+        this.actionName = "UPDATE";
+        this.entityName = "SPONSORDDGLMAPPING";
+        this.entityId = null;
+        this.href = "/sponsordd/gl-mapping";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateInstitutionProfile() {
+        this.actionName = "UPDATE";
+        this.entityName = "INSTITUTIONPROFILE";
+        this.entityId = null;
+        this.href = "/institutionprofile";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateBranchProfile(final Long officeId) {
+        this.actionName = "UPDATE";
+        this.entityName = "BRANCHPROFILE";
+        this.entityId = officeId;
+        this.href = "/branchprofile/" + officeId;
+        return this;
+    }
+
     public CommandWrapperBuilder createLoanProduct() {
         this.actionName = "CREATE";
         this.entityName = "LOANPRODUCT";
@@ -3390,6 +3462,13 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder updateCurrency() {
+        this.actionName = "UPDATE";
+        this.entityName = "CURRENCY";
+        this.href = "/currencies";
+        return this;
+    }
+
     public CommandWrapperBuilder updateExternalServiceProperties(final String externalServiceName) {
         this.actionName = "UPDATE";
         this.entityName = "EXTERNALSERVICES";
@@ -4730,4 +4809,36 @@ public class CommandWrapperBuilder {
         this.href = "/loans/" + loanId + "/originators/" + originatorId;
         return this;
     }
+
+    public CommandWrapperBuilder createSurvey() {
+        this.actionName = "CREATE";
+        this.entityName = "SURVEY";
+        this.entityId = null;
+        this.href = "/surveys";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSurvey(final Long surveyId) {
+        this.actionName = "UPDATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
+
+    public CommandWrapperBuilder activateSurvey(final Long surveyId) {
+        this.actionName = "ACTIVATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
+
+    public CommandWrapperBuilder deactivateSurvey(final Long surveyId) {
+        this.actionName = "DEACTIVATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
 }

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

@@ -48,6 +48,12 @@ public class PortfolioCommandSourceWritePlatformServiceImpl implements Portfolio
     private final FromJsonHelper fromApiJsonHelper;
     private final CommandProcessingService processAndLogCommandService;
     private final SchedulerJobRunnerReadService schedulerJobRunnerReadService;
+    // No longer consulted by validateMakerCheckerTransaction() below: the maker-identity rule (a user
+    // can never approve their own submission) is now unconditional and isSameMakerCheckerEnabled() no
+    // longer overrides it. Left injected rather than removed - enable-same-maker-checker is still a
+    // live, independently-configurable global switch (System -> Configurations); deleting this field,
+    // and by extension deciding that switch should stop existing altogether, is a separate decision
+    // from closing this specific self-approval loophole.
     private final ConfigurationDomainService configurationService;
 
     @Override
@@ -123,14 +129,20 @@ public class PortfolioCommandSourceWritePlatformServiceImpl implements Portfolio
         AppUser appUser = this.context.authenticatedUser();
         String permissionCode = commandSource.getPermissionCode();
         appUser.validateHasCheckerPermissionTo(permissionCode);
-        if (!configurationService.isSameMakerCheckerEnabled() && !appUser.isCheckerSuperUser()) {
-            AppUser maker = commandSource.getMaker();
-            if (maker == null) {
-                throw new UnsupportedCommandException(permissionCode, "Maker user is missing.");
-            }
-            if (Objects.equals(appUser.getId(), maker.getId())) {
-                throw new UnsupportedCommandException(permissionCode, "Can not be checked by the same user.");
-            }
+        // Maker-identity rule: the user who submitted a command may never be the one who approves
+        // (or rejects) it - this is a fixed platform rule, not overridable by CHECKER_SUPER_USER (that
+        // permission still lets its holder action a DIFFERENT user's request without needing the
+        // specific <TASK>_CHECKER permission - see validateHasCheckerPermissionTo() above - it just no
+        // longer lets them action their own) and not overridable by the enable-same-maker-checker
+        // global switch (isSameMakerCheckerEnabled() is deliberately no longer consulted here; that
+        // configuration is left in place and unused for this decision rather than removed, since
+        // deleting a still-configurable global setting is a separate decision from this one).
+        AppUser maker = commandSource.getMaker();
+        if (maker == null) {
+            throw new UnsupportedCommandException(permissionCode, "Maker user is missing.");
+        }
+        if (Objects.equals(appUser.getId(), maker.getId())) {
+            throw new UnsupportedCommandException(permissionCode, "Can not be checked by the same user.");
         }
         return commandSource;
     }

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

@@ -43,6 +43,7 @@ public enum JobName {
     UPDATE_SAVINGS_DORMANT_ACCOUNTS("Update Savings Dormant Accounts"), //
     APPLY_KYC_EXPIRY_RESTRICTIONS("Apply KYC Expiry Restrictions"), //
     SAVINGS_DAILY_INTEREST("Savings Daily Interest Accrual And Posting"), //
+    SAVINGS_INTEREST_POSTING_REPORT("Generate Savings Interest Posting Report"), //
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_LOANS_WITH_INCOME_POSTED_AS_TRANSACTIONS(
             "Add Accrual Transactions For Loans With Income Posted As Transactions"), //
     EXECUTE_REPORT_MAILING_JOBS("Execute Report Mailing Jobs"), //
@@ -72,6 +73,8 @@ public enum JobName {
     OUTWARD_CLEARING_BATCH_SEND("CTS Outward Clearing Batch Send"), //
     CTR_REPORT_GENERATION("AML Monthly CTR Report Generation"), //
     AML_STR_WEEKLY_DIGEST("AML STR Weekly Digest"), //
+    CLIENT_BEHAVIOUR_WINDOW("Client Behaviour Window Computation"), //
+    SAVE_RBI_FORM_A_RETURN("Save RBI Form A Return"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/api/CurrenciesApiResource.java

@@ -27,13 +27,14 @@ import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.core.MediaType;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
-import org.apache.fineract.organisation.monetary.command.CurrencyUpdateCommand;
+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.DefaultToApiJsonSerializer;
 import org.apache.fineract.organisation.monetary.data.CurrencyConfigurationData;
 import org.apache.fineract.organisation.monetary.data.CurrencyUpdateRequest;
-import org.apache.fineract.organisation.monetary.data.CurrencyUpdateResponse;
 import org.apache.fineract.organisation.monetary.service.OrganisationCurrencyReadPlatformService;
 import org.springframework.stereotype.Component;
 
@@ -44,7 +45,8 @@ import org.springframework.stereotype.Component;
 public class CurrenciesApiResource {
 
     private final OrganisationCurrencyReadPlatformService readPlatformService;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final DefaultToApiJsonSerializer<CurrencyUpdateRequest> toApiJsonSerializer;
 
     @GET
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -65,13 +67,12 @@ public class CurrenciesApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update Currency Configuration", description = "Updates the list of currencies permitted for use.")
-    public CurrencyUpdateResponse updateCurrencies(@Valid CurrencyUpdateRequest request) {
-        final var command = new CurrencyUpdateCommand();
+    public String updateCurrencies(@Valid final CurrencyUpdateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateCurrency()
+                .withJson(toApiJsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<CurrencyUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return toApiJsonSerializer.serialize(result);
     }
 }

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/handler/UpdateCurrencyCommandHandler.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.organisation.monetary.handler;
+
+import java.util.Arrays;
+import java.util.List;
+import java.util.Map;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.organisation.monetary.data.CurrencyUpdateRequest;
+import org.apache.fineract.organisation.monetary.data.CurrencyUpdateResponse;
+import org.apache.fineract.organisation.monetary.service.CurrencyWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "CURRENCY", action = "UPDATE")
+public class UpdateCurrencyCommandHandler implements NewCommandSourceHandler {
+
+    private final CurrencyWritePlatformService writePlatformService;
+
+    @Autowired
+    public UpdateCurrencyCommandHandler(final CurrencyWritePlatformService writePlatformService) {
+        this.writePlatformService = writePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final String[] currencyCodes = command.arrayValueOfParameterNamed("currencies");
+        final List<String> currencies = currencyCodes == null ? List.of() : Arrays.asList(currencyCodes);
+
+        final CurrencyUpdateRequest request = CurrencyUpdateRequest.builder().currencies(currencies).build();
+
+        final CurrencyUpdateResponse response = this.writePlatformService.updateAllowedCurrencies(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .with(Map.of("currencies", response.getCurrencies())) //
+                .build();
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/PortfolioProductType.java

@@ -24,7 +24,10 @@ public enum PortfolioProductType {
     SAVING(2, "productType.saving"), //
     CLIENT(5, "productType.client"), //
     PROVISIONING(3, "productType.provisioning"), //
-    SHARES(4, "productType.shares"); //
+    SHARES(4, "productType.shares"), //
+    // Current products map their GLs under their own type: sharing SAVING with savings products let a savings
+    // product and a current product with the same id read each other's GL rows.
+    CURRENT(6, "productType.current"); //
 
     private final Integer value;
     private final String code;
@@ -52,17 +55,25 @@ public enum PortfolioProductType {
             return null;
         }
 
+        // Matched against each constant's own declared value above, not its declaration position --
+        // those two orderings diverge (CLIENT is declared 3rd but its value is 5), so a switch written
+        // by position silently mapped every id past SAVING to the wrong type: 3 (really PROVISIONING)
+        // returned CLIENT, 4 (really SHARES) returned PROVISIONING, 5 (really CLIENT) returned SHARES,
+        // and 6 (CURRENT) fell through to null -- a live NPE the moment a Current-product GL entry
+        // (entity_type_enum=6) reached this on the Journal Entries screen.
         switch (v) {
             case 1:
                 return LOAN;
             case 2:
                 return SAVING;
             case 3:
-                return CLIENT;
-            case 4:
                 return PROVISIONING;
-            case 5:
+            case 4:
                 return SHARES;
+            case 5:
+                return CLIENT;
+            case 6:
+                return CURRENT;
             default:
                 return null;
         }

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlert.java

@@ -78,6 +78,30 @@ public class AmlAlert extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "disposition", length = 20)
     private String disposition;
 
+    /**
+     * The other rules this same transaction matched, comma-separated.
+     *
+     * <p>
+     * One transaction raises one alert, under the rule that most warrants attention - otherwise a
+     * single deposit arrives as several alerts and an officer has to dispose of each, with nothing
+     * stopping them clearing one while escalating another. The rules that did not win are kept here
+     * so the case file still shows everything that fired.
+     */
+    @Column(name = "also_matched_rules", length = 500)
+    private String alsoMatchedRules;
+
+    /**
+     * The worst severity band across every rule this transaction matched — 1 Low, 2 Medium, 3 High.
+     *
+     * <p>
+     * Not the same as the governing rule's own severity. A statutory CTR outranks everything when
+     * the alert is raised, so a high-severity rule can end up recorded in {@link #alsoMatchedRules}
+     * and vanish from the screen. An officer disposing of low and medium alerts in a batch would
+     * then be handed a transaction that had tripped a high-severity rule with nothing to show it.
+     */
+    @Column(name = "highest_severity")
+    private Integer highestSeverity;
+
     protected AmlAlert() {}
 
     public static AmlAlert raise(AmlTransactionType transactionType, Long transactionId, Client client, AmlTransactionRule rule,
@@ -94,6 +118,58 @@ public class AmlAlert extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return alert;
     }
 
+    public String getAlsoMatchedRules() {
+        return this.alsoMatchedRules;
+    }
+
+    public Integer getHighestSeverity() {
+        return this.highestSeverity;
+    }
+
+    public void recordHighestSeverity(final Integer severity) {
+        this.highestSeverity = severity;
+    }
+
+    /** Truncated to the column width: the record is a convenience, never a reason to fail a save. */
+    public void recordAlsoMatchedRules(final String ruleCodes) {
+        this.alsoMatchedRules = ruleCodes == null || ruleCodes.isBlank() ? null
+                : (ruleCodes.length() > 500 ? ruleCodes.substring(0, 500) : ruleCodes);
+    }
+
+    /**
+     * Whether this alert is being worked by somebody other than the given officer.
+     *
+     * <p>
+     * An alert under review belongs to whoever opened it until they decide it or hand it back. A second officer
+     * reading the same case and reaching their own verdict is the failure this exists to prevent: the transaction
+     * would carry two reviews, and whichever was written last would be the one on file.
+     */
+    public boolean isHeldByAnother(final AppUser officer) {
+        return AmlAlertStatus.UNDER_REVIEW.name().equals(this.status) && this.reviewedBy != null && officer != null
+                && !this.reviewedBy.getId().equals(officer.getId());
+    }
+
+    /**
+     * Brings the alert into line with the Principal Officer's conclusion on the case it opened.
+     *
+     * <p>
+     * An escalation is a referral, not a verdict: it says the AML Officer wanted the case looked at. The verdict is
+     * the Principal Officer's, and when they conclude the case clear the alert has to say so too. Left as ESCALATED,
+     * the feed would go on showing a transaction as suspicious after the bank had decided it was not - and the officer
+     * who cleared it would have no way to see their own conclusion reflected where the alert is worked.
+     *
+     * <p>
+     * Distinct from {@link #whitelist}: this does not pass the alert's own immutability guard, because it is not a
+     * second officer overturning a decision. It is the case this alert was referred into, coming back with its answer.
+     */
+    public void applyStrConclusion(final boolean suspicious, final AppUser principalOfficer, final String notes) {
+        this.reviewedBy = principalOfficer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.disposition = (suspicious ? AmlAlertDisposition.ESCALATE : AmlAlertDisposition.WHITELIST).name();
+        this.status = (suspicious ? AmlAlertStatus.ESCALATED : AmlAlertStatus.WHITELISTED).name();
+    }
+
     public void whitelist(AppUser reviewer, String notes) {
         this.reviewedBy = reviewer;
         this.reviewedOn = LocalDateTime.now();

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertRepository.java

@@ -44,4 +44,18 @@ public interface AmlAlertRepository extends JpaRepository<AmlAlert, Long> {
      * twice, which would put two STR cases in front of the Principal Officer for a single transaction.
      */
     List<AmlAlert> findByRule_IdAndTransactionId(Long ruleId, Long transactionId);
+
+    /**
+     * A customer's still-open alerts inside the observation window, oldest first.
+     *
+     * <p>
+     * What a recurring-behaviour review acts on. Open is defined as not yet decided rather than by naming the statuses
+     * that are open, so a status this query does not know about is still treated as work: an alert wrongly included
+     * costs a reviewer a glance, one wrongly excluded is a pattern the bank never looked at. A decision about the
+     * customer's pattern must not reopen alerts an officer has already disposed of individually - and oldest first so
+     * that a partial failure leaves the longest-standing ones dealt with.
+     */
+    @Query("SELECT a FROM AmlAlert a WHERE a.client.id = :clientId AND a.raisedOn >= :since "
+            + "AND a.status NOT IN ('WHITELISTED', 'ESCALATED') ORDER BY a.raisedOn ASC")
+    List<AmlAlert> findOpenAlertsForClientSince(@Param("clientId") Long clientId, @Param("since") LocalDateTime since);
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertRule.java

@@ -0,0 +1,163 @@
+/**
+ * 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.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * One rule a transaction matched, and what the officer decided about that rule.
+ *
+ * <p>
+ * The alert is the case; this is a finding within it. A single deposit can trip six rules where five are explained by
+ * the customer's declared business and the sixth is not - one verdict over the whole alert either loses that sixth
+ * observation or sends the other five to an STR they do not belong in.
+ *
+ * <p>
+ * The rule is held by code rather than by a foreign key to {@link AmlTransactionRule}, and the severity is copied in
+ * rather than read back through it. An alert records what was detected at the time; re-banding or retiring a rule
+ * afterwards must not rewrite what the officer was looking at when they decided.
+ */
+@Entity
+@Table(name = "m_aml_alert_rule")
+public class AmlAlertRule {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "alert_id", nullable = false)
+    private AmlAlert alert;
+
+    @Column(name = "rule_code", nullable = false, length = 100)
+    private String ruleCode;
+
+    @Column(name = "risk_category")
+    private Integer riskCategory;
+
+    @Column(name = "is_governing", nullable = false)
+    private boolean governing;
+
+    @Column(name = "disposition", length = 20)
+    private String disposition;
+
+    @ManyToOne
+    @JoinColumn(name = "reviewed_by")
+    private AppUser reviewedBy;
+
+    @Column(name = "reviewed_on")
+    private LocalDateTime reviewedOn;
+
+    @Column(name = "review_notes", length = 1000)
+    private String reviewNotes;
+
+    /**
+     * Whether the officer named this rule, as against it being closed to keep the case consistent.
+     *
+     * <p>
+     * Marking one rule suspicious escalates the transaction and closes every other rule under the same escalation -
+     * nothing may stay open behind a filed STR. Without this the record would read as though all of them had been
+     * examined and condemned, and on a transaction that tripped six rules, which one the officer put their name to is
+     * the substance of the finding.
+     */
+    @Column(name = "directly_decided", nullable = false)
+    private boolean directlyDecided;
+
+    protected AmlAlertRule() {}
+
+    public static AmlAlertRule of(final AmlAlert alert, final String ruleCode, final Integer riskCategory,
+            final boolean governing) {
+        final AmlAlertRule finding = new AmlAlertRule();
+        finding.alert = alert;
+        finding.ruleCode = ruleCode;
+        finding.riskCategory = riskCategory;
+        finding.governing = governing;
+        return finding;
+    }
+
+    /**
+     * @param directlyDecided
+     *            true when the officer named this rule; false when it was closed alongside one they named
+     */
+    public void decide(final AmlAlertDisposition disposition, final AppUser reviewer, final String notes,
+            final boolean directlyDecided) {
+        this.disposition = disposition.name();
+        this.reviewedBy = reviewer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.directlyDecided = directlyDecided;
+    }
+
+    public boolean isDirectlyDecided() {
+        return this.directlyDecided;
+    }
+
+    public boolean isDecided() {
+        return this.disposition != null;
+    }
+
+    public boolean isEscalated() {
+        return AmlAlertDisposition.ESCALATE.name().equals(this.disposition);
+    }
+
+    public Long getId() {
+        return this.id;
+    }
+
+    public AmlAlert getAlert() {
+        return this.alert;
+    }
+
+    public String getRuleCode() {
+        return this.ruleCode;
+    }
+
+    public Integer getRiskCategory() {
+        return this.riskCategory;
+    }
+
+    public boolean isGoverning() {
+        return this.governing;
+    }
+
+    public String getDisposition() {
+        return this.disposition;
+    }
+
+    public AppUser getReviewedBy() {
+        return this.reviewedBy;
+    }
+
+    public LocalDateTime getReviewedOn() {
+        return this.reviewedOn;
+    }
+
+    public String getReviewNotes() {
+        return this.reviewNotes;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAlertRuleRepository.java

@@ -0,0 +1,31 @@
+/**
+ * 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.aml.domain;
+
+import java.util.Collection;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlAlertRuleRepository extends JpaRepository<AmlAlertRule, Long> {
+
+    List<AmlAlertRule> findByAlertId(Long alertId);
+
+    /** Every finding across a page of alerts, in one read rather than one query per alert. */
+    List<AmlAlertRule> findByAlertIdIn(Collection<Long> alertIds);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringEscalationTier.java

@@ -0,0 +1,106 @@
+/**
+ * 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.aml.domain;
+
+/**
+ * How far a customer's repetition has gone, and what the bank's answer to it has to be.
+ *
+ * <p>
+ * A customer who surfaces once is a question; one who surfaces for the fortieth time is an answer the bank has not
+ * acted on. Without a ladder every review looked the same - same screen, same three buttons, same outcome - so the
+ * fortieth review cost an officer the same effort as the first and changed as little.
+ *
+ * <p>
+ * Each tier does two things: it sets how long a review holds the customer out of the queue, and it says what the
+ * reviewer is expected to do. The windows shorten as the tier rises, because a customer the bank is more worried
+ * about should come back sooner, not later.
+ */
+public enum AmlRecurringEscalationTier {
+
+    /** Ordinary repetition. A review stands for a quarter unless the count climbs into the next tier. */
+    ROUTINE(0, 90),
+
+    /**
+     * Enough repetition that the customer's risk rating is no longer just a KYC-time judgement. Reviewed monthly, and
+     * the reviewer is asked to consider whether the rating still fits.
+     */
+    ELEVATED(7, 30),
+
+    /**
+     * Beyond what a branch officer should be closing on their own. Reviewed fortnightly, and the review is expected
+     * to be taken by someone senior.
+     */
+    SENIOR(15, 14),
+
+    /**
+     * Repetition at a level that is itself the suspicion. An STR is the expected outcome, and clearing at this tier
+     * is a decision that has to be defensible on its own - so the review stands for a week only.
+     */
+    MANDATORY_STR(30, 7);
+
+    private final int minimumAlertCount;
+    private final int reviewValidityDays;
+
+    AmlRecurringEscalationTier(final int minimumAlertCount, final int reviewValidityDays) {
+        this.minimumAlertCount = minimumAlertCount;
+        this.reviewValidityDays = reviewValidityDays;
+    }
+
+    /** The tier a customer sitting on this many alerts falls into. */
+    public static AmlRecurringEscalationTier forAlertCount(final int alertCount) {
+        AmlRecurringEscalationTier tier = ROUTINE;
+        for (final AmlRecurringEscalationTier candidate : values()) {
+            if (alertCount >= candidate.minimumAlertCount) {
+                tier = candidate;
+            }
+        }
+        return tier;
+    }
+
+    public int getMinimumAlertCount() {
+        return minimumAlertCount;
+    }
+
+    public int getReviewValidityDays() {
+        return reviewValidityDays;
+    }
+
+    /**
+     * How far the alert count may climb before a standing review is set aside and the customer returns early.
+     *
+     * <p>
+     * A validity window alone would hold a customer out while their behaviour changed underneath it: reviewed at four
+     * alerts and then trips forty more the same week, the review would still stand for the full quarter. Allowing the
+     * count to grow by the tier's own span before forcing a return keeps ordinary repetition quiet while letting a
+     * genuine change in behaviour break through. Tighter at the higher tiers, where less change should be tolerated.
+     */
+    public int alertGrowthBeforeEarlyReturn() {
+        return switch (this) {
+            case ROUTINE -> 5;
+            case ELEVATED -> 4;
+            case SENIOR -> 3;
+            case MANDATORY_STR -> 2;
+        };
+    }
+
+    /** Whether a review at this tier is expected to raise an STR rather than close the customer off. */
+    public boolean expectsStr() {
+        return this == MANDATORY_STR;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringReview.java

@@ -26,6 +26,7 @@ import jakarta.persistence.Id;
 import jakarta.persistence.JoinColumn;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
+import java.time.LocalDate;
 import java.time.LocalDateTime;
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.useradministration.domain.AppUser;
@@ -65,6 +66,20 @@ public class AmlRecurringReview {
     @Column(name = "reviewed_on", nullable = false)
     private LocalDateTime reviewedOn;
 
+    /**
+     * The date this review stops standing. Null on reviews taken before validity existed, which keep the older
+     * behaviour of lapsing the moment one more alert lands.
+     */
+    @Column(name = "valid_until")
+    private LocalDate validUntil;
+
+    @Column(name = "escalation_tier", length = 20)
+    private String escalationTier;
+
+    /** How many of the customer's open alerts this review actually disposed of. */
+    @Column(name = "alerts_actioned")
+    private Integer alertsActioned;
+
     protected AmlRecurringReview() {}
 
     public static AmlRecurringReview record(final Client client, final int alertCountAtReview,
@@ -76,9 +91,22 @@ public class AmlRecurringReview {
         review.notes = notes;
         review.reviewedBy = reviewedBy;
         review.reviewedOn = LocalDateTime.now();
+
+        // The tier follows from the count, not from what the reviewer picked: how often a customer has surfaced is a
+        // fact about them, and letting the outcome set it would let a customer be held at ROUTINE indefinitely by
+        // always being cleared.
+        final AmlRecurringEscalationTier tier = AmlRecurringEscalationTier.forAlertCount(alertCountAtReview);
+        review.escalationTier = tier.name();
+        review.validUntil = LocalDate.now().plusDays(tier.getReviewValidityDays());
+        review.alertsActioned = 0;
         return review;
     }
 
+    /** Records how many open alerts the review disposed of, once the caller has acted on them. */
+    public void recordAlertsActioned(final int count) {
+        this.alertsActioned = count;
+    }
+
     public Long getId() {
         return id;
     }
@@ -106,4 +134,35 @@ public class AmlRecurringReview {
     public LocalDateTime getReviewedOn() {
         return reviewedOn;
     }
+
+    public LocalDate getValidUntil() {
+        return validUntil;
+    }
+
+    public AmlRecurringEscalationTier getEscalationTier() {
+        return escalationTier == null ? AmlRecurringEscalationTier.ROUTINE : AmlRecurringEscalationTier.valueOf(escalationTier);
+    }
+
+    public Integer getAlertsActioned() {
+        return alertsActioned;
+    }
+
+    /**
+     * Whether this review still holds the customer out of the review queue.
+     *
+     * <p>
+     * Two ways it stops standing. Its window runs out, or the customer's behaviour moves on far enough that the
+     * review no longer describes them - judged by how much the alert count has grown since, against the allowance for
+     * the tier it was taken at. A review with no window at all is a pre-existing one, and keeps the original rule of
+     * lapsing as soon as one more alert arrives.
+     */
+    public boolean stillStands(final int currentAlertCount) {
+        if (validUntil == null) {
+            return currentAlertCount <= alertCountAtReview;
+        }
+        if (LocalDate.now().isAfter(validUntil)) {
+            return false;
+        }
+        return currentAlertCount - alertCountAtReview < getEscalationTier().alertGrowthBeforeEarlyReturn();
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCaseAlert.java

@@ -0,0 +1,83 @@
+/**
+ * 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.aml.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDateTime;
+
+/**
+ * One alert covered by an STR case.
+ *
+ * <p>
+ * A case escalated from a single transaction covers that one alert. A case raised off a customer's repeated behaviour
+ * covers all the alerts that make up the pattern - which is what an STR to FIU-IND actually describes, and what the
+ * Principal Officer has to be able to read in one place.
+ */
+@Entity
+@Table(name = "m_aml_str_case_alert")
+public class AmlStrCaseAlert {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne(optional = false)
+    @JoinColumn(name = "str_case_id", nullable = false)
+    private AmlStrCase strCase;
+
+    @ManyToOne(optional = false)
+    @JoinColumn(name = "alert_id", nullable = false)
+    private AmlAlert alert;
+
+    @Column(name = "added_on_utc", nullable = false)
+    private LocalDateTime addedOn;
+
+    protected AmlStrCaseAlert() {}
+
+    public static AmlStrCaseAlert link(final AmlStrCase strCase, final AmlAlert alert) {
+        final AmlStrCaseAlert link = new AmlStrCaseAlert();
+        link.strCase = strCase;
+        link.alert = alert;
+        link.addedOn = LocalDateTime.now();
+        return link;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public AmlStrCase getStrCase() {
+        return strCase;
+    }
+
+    public AmlAlert getAlert() {
+        return alert;
+    }
+
+    public LocalDateTime getAddedOn() {
+        return addedOn;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCaseAlertRepository.java

@@ -0,0 +1,40 @@
+/**
+ * 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.aml.domain;
+
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlStrCaseAlertRepository extends JpaRepository<AmlStrCaseAlert, Long> {
+
+    /** The alerts one case covers, oldest first - the order the pattern happened in. */
+    List<AmlStrCaseAlert> findByStrCase_IdOrderByAlert_RaisedOnAsc(Long strCaseId);
+
+    /**
+     * The case already covering an alert, if any.
+     *
+     * <p>
+     * What stops a transaction reaching FIU-IND twice: an alert already inside a case is not attached to a second
+     * one, however it comes to be escalated again.
+     */
+    Optional<AmlStrCaseAlert> findByAlert_Id(Long alertId);
+
+    long countByStrCase_Id(Long strCaseId);
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlStrCaseRepository.java

@@ -20,6 +20,7 @@ package org.apache.fineract.portfolio.aml.domain;
 
 import java.time.LocalDate;
 import java.util.List;
+import java.util.Optional;
 import org.springframework.data.jpa.repository.JpaRepository;
 import org.springframework.data.jpa.repository.Query;
 import org.springframework.data.repository.query.Param;
@@ -28,6 +29,9 @@ public interface AmlStrCaseRepository extends JpaRepository<AmlStrCase, Long> {
 
     long countByClient_Id(Long clientId);
 
+    /** The case already open for a transaction, so escalating it again does not open a second one. */
+    Optional<AmlStrCase> findByAlertId(Long alertId);
+
     List<AmlStrCase> findByStatus(String status);
 
     @Query("SELECT c FROM AmlStrCase c WHERE c.status = 'CONCLUDED_SUSPICIOUS' AND c.concludedOn BETWEEN :from AND :to")

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionRule.java

@@ -84,6 +84,49 @@ public class AmlTransactionRule {
     @Column(name = "is_active", nullable = false)
     private boolean active;
 
+    /**
+     * CREDIT or DEBIT for a rule written about one direction only; null where either way qualifies.
+     * A rule named for withdrawals must not fire on a deposit.
+     */
+    @Column(name = "direction", length = 10)
+    private String direction;
+
+    /** True where only physical cash qualifies — a cash-reporting rule is not about transfers. */
+    @Column(name = "cash_only", nullable = false)
+    private boolean cashOnly;
+
+    /**
+     * How many transactions must make up the window before a pattern rule fires. Structuring is
+     * many small transactions; without this floor a single large one satisfies the window total and
+     * reads as a pattern it is not.
+     */
+    @Column(name = "min_transaction_count")
+    private Integer minTransactionCount;
+
+    /**
+     * Which customers a rule is about, where the rule is about the customer rather than the
+     * transaction: PEP, CHARITABLE_ORG, HIGH_RISK_BUSINESS, NEW_ACCOUNT. Null means the rule is
+     * about the transaction alone and so applies to everyone.
+     */
+    @Column(name = "subject_scope", length = 30)
+    private String subjectScope;
+
+    public String getSubjectScope() {
+        return subjectScope;
+    }
+
+    public String getDirection() {
+        return direction;
+    }
+
+    public boolean isCashOnly() {
+        return cashOnly;
+    }
+
+    public Integer getMinTransactionCount() {
+        return minTransactionCount;
+    }
+
     protected AmlTransactionRule() {}
 
     /**

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionRuleRepository.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.aml.domain;
 
+import java.util.Collection;
 import java.util.List;
 import java.util.Optional;
 import org.springframework.data.jpa.repository.JpaRepository;
@@ -32,4 +33,10 @@ public interface AmlTransactionRuleRepository extends JpaRepository<AmlTransacti
      * by hand from the ledger.
      */
     Optional<AmlTransactionRule> findByRuleCode(String ruleCode);
+
+    /**
+     * Every rule named in the given codes, in one read. The alert screen resolves the rules each transaction matched
+     * into descriptions and severities; doing that a code at a time would be one query per rule per alert.
+     */
+    List<AmlTransactionRule> findByRuleCodeIn(Collection<String> ruleCodes);
 }

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

@@ -0,0 +1,219 @@
+/**
+ * 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.client.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+
+/**
+ * What one customer's money actually did over a period, and what that says about their rating.
+ *
+ * <p>
+ * A risk rating describes behaviour, and behaviour is a period rather than an event. Judging it from the alert feed
+ * meant a customer appeared the moment one transaction tripped a rule and was recommended for re-rating on that alone
+ * - a single shop purchase could argue for lowering a High rating, and a single large deposit for raising a Low one.
+ * Neither is a pattern.
+ *
+ * <p>
+ * One row is one window for one customer, computed nightly. Upgrades and downgrades read different windows, because
+ * the questions are not symmetric: a concern is about what the customer is doing now, and confidence needs a year of
+ * it. The suggestion is stored with the figures it was drawn from, so an officer reviewing it months later sees what
+ * the system was looking at rather than a conclusion with no working.
+ */
+@Entity
+@Table(name = "m_client_behaviour_window")
+public class ClientBehaviourWindow {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "client_id", nullable = false)
+    private Long clientId;
+
+    @Column(name = "window_from", nullable = false)
+    private LocalDate windowFrom;
+
+    @Column(name = "window_to", nullable = false)
+    private LocalDate windowTo;
+
+    @Column(name = "txn_count")
+    private Integer txnCount;
+
+    @Column(name = "distinct_months")
+    private Integer distinctMonths;
+
+    @Column(name = "credit_total", precision = 19, scale = 6)
+    private BigDecimal creditTotal;
+
+    @Column(name = "debit_total", precision = 19, scale = 6)
+    private BigDecimal debitTotal;
+
+    @Column(name = "largest_txn", precision = 19, scale = 6)
+    private BigDecimal largestTxn;
+
+    @Column(name = "cash_txn_count")
+    private Integer cashTxnCount;
+
+    @Column(name = "cash_total", precision = 19, scale = 6)
+    private BigDecimal cashTotal;
+
+    @Column(name = "large_txn_count")
+    private Integer largeTxnCount;
+
+    @Column(name = "declared_annual_income", precision = 19, scale = 6)
+    private BigDecimal declaredAnnualIncome;
+
+    @Column(name = "declared_annual_turnover", precision = 19, scale = 6)
+    private BigDecimal declaredAnnualTurnover;
+
+    @Column(name = "income_ratio", precision = 19, scale = 6)
+    private BigDecimal incomeRatio;
+
+    @Column(name = "alert_count")
+    private Integer alertCount;
+
+    @Column(name = "str_case_count")
+    private Integer strCaseCount;
+
+    @Column(name = "risk_category_at_review")
+    private Integer riskCategoryAtReview;
+
+    /** UP, DOWN or HOLD. */
+    @Column(name = "suggested_direction", length = 10)
+    private String suggestedDirection;
+
+    @Column(name = "suggested_category")
+    private Integer suggestedCategory;
+
+    @Column(name = "suggestion_reason", length = 500)
+    private String suggestionReason;
+
+    @Column(name = "computed_on")
+    private LocalDateTime computedOn;
+
+    protected ClientBehaviourWindow() {}
+
+    public static ClientBehaviourWindow of(final Long clientId, final LocalDate windowFrom, final LocalDate windowTo) {
+        final ClientBehaviourWindow window = new ClientBehaviourWindow();
+        window.clientId = clientId;
+        window.windowFrom = windowFrom;
+        window.windowTo = windowTo;
+        window.computedOn = LocalDateTime.now();
+        return window;
+    }
+
+    public void recordDistinctMonths(final Integer months) {
+        this.distinctMonths = months;
+    }
+
+    public Integer getDistinctMonths() {
+        return this.distinctMonths;
+    }
+
+    public void recordActivity(final Integer txnCount, final BigDecimal creditTotal, final BigDecimal debitTotal,
+            final BigDecimal largestTxn, final Integer cashTxnCount, final BigDecimal cashTotal, final Integer largeTxnCount) {
+        this.txnCount = txnCount;
+        this.creditTotal = creditTotal;
+        this.debitTotal = debitTotal;
+        this.largestTxn = largestTxn;
+        this.cashTxnCount = cashTxnCount;
+        this.cashTotal = cashTotal;
+        this.largeTxnCount = largeTxnCount;
+    }
+
+    public void recordMonitoring(final Integer alertCount, final Integer strCaseCount, final Integer riskCategoryAtReview) {
+        this.alertCount = alertCount;
+        this.strCaseCount = strCaseCount;
+        this.riskCategoryAtReview = riskCategoryAtReview;
+    }
+
+    /**
+     * Turnover measured against what the customer said to expect.
+     *
+     * <p>
+     * Null rather than zero when no income was declared: the ratio is unknown, not nil, and a rule that treats an
+     * unknown as a benign zero would clear every customer the bank never asked.
+     */
+    public void recordDeclared(final BigDecimal income, final BigDecimal turnover, final BigDecimal periodTurnover) {
+        this.declaredAnnualIncome = income;
+        this.declaredAnnualTurnover = turnover;
+        final BigDecimal basis = income != null && income.signum() > 0 ? income
+                : (turnover != null && turnover.signum() > 0 ? turnover : null);
+        this.incomeRatio = basis == null || periodTurnover == null ? null
+                : periodTurnover.divide(basis, 6, java.math.RoundingMode.HALF_UP);
+    }
+
+    public void recordSuggestion(final String direction, final Integer category, final String reason) {
+        this.suggestedDirection = direction;
+        this.suggestedCategory = category;
+        this.suggestionReason = reason == null || reason.length() <= 500 ? reason : reason.substring(0, 500);
+    }
+
+    public Long getClientId() {
+        return this.clientId;
+    }
+
+    public LocalDate getWindowFrom() {
+        return this.windowFrom;
+    }
+
+    public LocalDate getWindowTo() {
+        return this.windowTo;
+    }
+
+    public Integer getTxnCount() {
+        return this.txnCount;
+    }
+
+    public BigDecimal getCashTotal() {
+        return this.cashTotal;
+    }
+
+    public Integer getLargeTxnCount() {
+        return this.largeTxnCount;
+    }
+
+    public Integer getAlertCount() {
+        return this.alertCount;
+    }
+
+    public Integer getStrCaseCount() {
+        return this.strCaseCount;
+    }
+
+    public Integer getRiskCategoryAtReview() {
+        return this.riskCategoryAtReview;
+    }
+
+    public String getSuggestedDirection() {
+        return this.suggestedDirection;
+    }
+
+    public Integer getSuggestedCategory() {
+        return this.suggestedCategory;
+    }
+}

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

@@ -0,0 +1,43 @@
+/**
+ * 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.client.domain;
+
+import java.time.LocalDate;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Modifying;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface ClientBehaviourWindowRepository extends JpaRepository<ClientBehaviourWindow, Long> {
+
+    List<ClientBehaviourWindow> findByClientId(Long clientId);
+
+    /**
+     * Clears the windows computed for a given day before the job writes that day's.
+     *
+     * <p>
+     * The job is a recomputation, not an append. Re-running it - after a failure, or twice in a night - must leave one
+     * set of windows rather than a customer appearing several times on the review screen with slightly different
+     * figures.
+     */
+    @Modifying
+    @Query("DELETE FROM ClientBehaviourWindow w WHERE w.windowTo = :windowTo")
+    void deleteByWindowTo(@Param("windowTo") LocalDate windowTo);
+}

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

@@ -291,6 +291,31 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "form15_fy", length = 10)
     private String form15Fy;
 
+    // ── Risk profile ─────────────────────────────────────────────────────────
+    /**
+     * Customer facts the risk re-rating policy tests against, as against anything the customer transacted.
+     *
+     * <p>
+     * A politically exposed person is not downgraded because their activity looks ordinary — that is precisely the
+     * risk — and the same holds for a sanctions or adverse-media match. False means "not recorded as such", which is
+     * the correct reading for a book where nobody was ever asked; it is not an assertion that the customer is clean.
+     */
+    @Column(name = "is_pep", nullable = false)
+    private boolean isPep;
+
+    @Column(name = "sanctions_match", nullable = false)
+    private boolean sanctionsMatch;
+
+    @Column(name = "adverse_media_match", nullable = false)
+    private boolean adverseMediaMatch;
+
+    /** What the customer told the bank to expect, which their actual turnover is measured against. */
+    @Column(name = "declared_annual_income", precision = 19, scale = 6)
+    private BigDecimal declaredAnnualIncome;
+
+    @Column(name = "declared_annual_turnover", precision = 19, scale = 6)
+    private BigDecimal declaredAnnualTurnover;
+
     // ── CKYCRR ───────────────────────────────────────────────────────────────
     /** Central KYC Records Registry number issued by CERSAI */
     @Column(name = "ckyc_number", length = 14)
@@ -527,6 +552,19 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
                 v -> this.aadhaarReceiptRemarks = v);
         updateDateField(command, "aadhaarReceiptTakenOn", this.aadhaarReceiptTakenOn, actualChanges,
                 v -> this.aadhaarReceiptTakenOn = v);
+        // Risk profile. These are determinations about the customer rather than about a transaction, and the
+        // re-rating policy reads them directly: a PEP or a sanctions match holds a rating at High however ordinary the
+        // period's activity looks.
+        updateBooleanField(command, "isPep", this.isPep, actualChanges, v -> this.isPep = v != null ? v : false);
+        updateBooleanField(command, "sanctionsMatch", this.sanctionsMatch, actualChanges,
+                v -> this.sanctionsMatch = v != null ? v : false);
+        updateBooleanField(command, "adverseMediaMatch", this.adverseMediaMatch, actualChanges,
+                v -> this.adverseMediaMatch = v != null ? v : false);
+        updateBigDecimalField(command, "declaredAnnualIncome", this.declaredAnnualIncome, actualChanges,
+                v -> this.declaredAnnualIncome = v);
+        updateBigDecimalField(command, "declaredAnnualTurnover", this.declaredAnnualTurnover, actualChanges,
+                v -> this.declaredAnnualTurnover = v);
+
         updateStringField(command, "enterprisePan", this.enterprisePan, actualChanges, v -> this.enterprisePan = v);
         updateStringField(command, "cinNumber", this.cinNumber, actualChanges, v -> this.cinNumber = v);
         updateStringField(command, "dinNumber", this.dinNumber, actualChanges, v -> this.dinNumber = v);
@@ -898,6 +936,26 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         recalculateExpiryForRiskCategory();
     }
 
+    public boolean isPep() {
+        return this.isPep;
+    }
+
+    public boolean isSanctionsMatch() {
+        return this.sanctionsMatch;
+    }
+
+    public boolean isAdverseMediaMatch() {
+        return this.adverseMediaMatch;
+    }
+
+    public BigDecimal getDeclaredAnnualIncome() {
+        return this.declaredAnnualIncome;
+    }
+
+    public BigDecimal getDeclaredAnnualTurnover() {
+        return this.declaredAnnualTurnover;
+    }
+
     public String getPanNumber() {
         return panNumber;
     }

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

@@ -0,0 +1,74 @@
+/**
+ * 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.client.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+
+/**
+ * One number the risk re-rating policy is made of - a window length, a minimum transaction count, a cash threshold.
+ *
+ * <p>
+ * Held as data because these are the bank's risk appetite rather than engineering constants. How long a customer must
+ * behave before a High rating comes down is a compliance judgement, and a co-operative bank whose members transact
+ * three times a month needs different figures from one lending to traders.
+ */
+@Entity
+@Table(name = "m_risk_policy_parameter")
+public class RiskPolicyParameter {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "parameter_key", nullable = false, length = 80)
+    private String parameterKey;
+
+    @Column(name = "parameter_value", nullable = false, precision = 19, scale = 2)
+    private BigDecimal parameterValue;
+
+    @Column(name = "description", length = 500)
+    private String description;
+
+    @Column(name = "last_modified_by")
+    private Long lastModifiedBy;
+
+    @Column(name = "last_modified_on")
+    private LocalDateTime lastModifiedOn;
+
+    protected RiskPolicyParameter() {}
+
+    public String getParameterKey() {
+        return this.parameterKey;
+    }
+
+    public BigDecimal getParameterValue() {
+        return this.parameterValue;
+    }
+
+    public String getDescription() {
+        return this.description;
+    }
+}

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

@@ -0,0 +1,23 @@
+/**
+ * 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.client.domain;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface RiskPolicyParameterRepository extends JpaRepository<RiskPolicyParameter, Long> {}

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/api/PaymentTypeApiResource.java

@@ -31,20 +31,15 @@ import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
 import java.util.List;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
+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.DefaultToApiJsonSerializer;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeCreateCommand;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeDeleteCommand;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeUpdateCommand;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateResponse;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeData;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteResponse;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeReadService;
 import org.springframework.stereotype.Component;
 
@@ -55,7 +50,7 @@ import org.springframework.stereotype.Component;
 public class PaymentTypeApiResource {
 
     private final PaymentTypeReadService readPlatformService;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final DefaultToApiJsonSerializer<PaymentTypeData> jsonSerializer;
 
     @GET
@@ -79,14 +74,13 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Create a Payment Type", description = "Creates a new Payment type")
-    public PaymentTypeCreateResponse createPaymentType(PaymentTypeCreateRequest request) {
-        final var command = new PaymentTypeCreateCommand();
+    public String createPaymentType(final PaymentTypeCreateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().createPaymentType()
+                .withJson(jsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeCreateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 
     @PUT
@@ -94,18 +88,16 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update a Payment Type", description = "Updates a Payment Type")
-    public PaymentTypeUpdateResponse updatePaymentType(@PathParam("paymentTypeId") final Long paymentTypeId,
-            final PaymentTypeUpdateRequest request) {
+    public String updatePaymentType(@PathParam("paymentTypeId") final Long paymentTypeId, final PaymentTypeUpdateRequest request) {
 
         request.setId(paymentTypeId);
 
-        final var command = new PaymentTypeUpdateCommand();
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updatePaymentType(paymentTypeId)
+                .withJson(jsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 
     @DELETE
@@ -113,14 +105,12 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Delete a Payment Type", description = "Deletes payment type")
-    public PaymentTypeDeleteResponse deleteCode(@PathParam("paymentTypeId") final Long paymentTypeId) {
+    public String deleteCode(@PathParam("paymentTypeId") final Long paymentTypeId) {
 
-        final var command = new PaymentTypeDeleteCommand();
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().deletePaymentType(paymentTypeId).build();
 
-        command.setPayload(PaymentTypeDeleteRequest.builder().id(paymentTypeId).build());
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeDeleteResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeCreateCommandHandler.java

@@ -18,33 +18,50 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeCreateCommandHandler implements CommandHandler<PaymentTypeCreateRequest, PaymentTypeCreateResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "CREATE")
+public class PaymentTypeCreateCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeCreate", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeCreateResponse handle(Command<PaymentTypeCreateRequest> command) {
-        return paymentTypeWriteService.createPaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeCreateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeCreateResponse fallback(Command<PaymentTypeCreateRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Boolean isSystemDefined = command.booleanObjectValueOfParameterNamed("isSystemDefined");
+
+        final PaymentTypeCreateRequest request = PaymentTypeCreateRequest.builder()
+                .name(command.stringValueOfParameterNamed("name"))
+                .description(command.stringValueOfParameterNamed("description"))
+                .isCashPayment(command.booleanObjectValueOfParameterNamed("isCashPayment"))
+                .position(command.longValueOfParameterNamed("position"))
+                .codeName(command.stringValueOfParameterNamed("codeName"))
+                .isSystemDefined(isSystemDefined != null ? isSystemDefined : Boolean.FALSE)
+                .build();
+
+        final PaymentTypeCreateResponse response = this.paymentTypeWriteService.createPaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeDeleteCommandHandler.java

@@ -18,33 +18,41 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeDeleteCommandHandler implements CommandHandler<PaymentTypeDeleteRequest, PaymentTypeDeleteResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "DELETE")
+public class PaymentTypeDeleteCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeDelete", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeDeleteResponse handle(Command<PaymentTypeDeleteRequest> command) {
-        return paymentTypeWriteService.deletePaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeDeleteCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeDeleteResponse fallback(Command<PaymentTypeDeleteRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final PaymentTypeDeleteRequest request = PaymentTypeDeleteRequest.builder().id(command.entityId()).build();
+
+        final PaymentTypeDeleteResponse response = this.paymentTypeWriteService.deletePaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeUpdateCommandHandler.java

@@ -18,33 +18,51 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeUpdateCommandHandler implements CommandHandler<PaymentTypeUpdateRequest, PaymentTypeUpdateResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "UPDATE")
+public class PaymentTypeUpdateCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeUpdate", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeUpdateResponse handle(Command<PaymentTypeUpdateRequest> command) {
-        return paymentTypeWriteService.updatePaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeUpdateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeUpdateResponse fallback(Command<PaymentTypeUpdateRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Boolean isSystemDefined = command.booleanObjectValueOfParameterNamed("isSystemDefined");
+
+        final PaymentTypeUpdateRequest request = PaymentTypeUpdateRequest.builder()
+                .id(command.entityId())
+                .name(command.stringValueOfParameterNamed("name"))
+                .description(command.stringValueOfParameterNamed("description"))
+                .isCashPayment(command.booleanObjectValueOfParameterNamed("isCashPayment"))
+                .position(command.longValueOfParameterNamed("position"))
+                .codeName(command.stringValueOfParameterNamed("codeName"))
+                .isSystemDefined(isSystemDefined != null ? isSystemDefined : Boolean.FALSE)
+                .build();
+
+        final PaymentTypeUpdateResponse response = this.paymentTypeWriteService.updatePaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/DepositAccountOnClosureType.java

@@ -32,7 +32,8 @@ public enum DepositAccountOnClosureType {
     TRANSFER_TO_SAVINGS(200, "depositAccountClosureType.transferToSavings"), //
     REINVEST_PRINCIPAL_AND_INTEREST(300, "depositAccountClosureType.reinvestPrincipalAndInterest"), //
     REINVEST_PRINCIPAL_ONLY(400, "depositAccountClosureType.reinvestPrincipalOnly"), //
-    PARTIAL_REINVEST(500, "depositAccountClosureType.partialReinvest"); //
+    PARTIAL_REINVEST(500, "depositAccountClosureType.partialReinvest"), //
+    TRANSFER_TO_GL(600, "depositAccountClosureType.transferToGl"); //
 
     private final Integer value;
     private final String code;
@@ -53,6 +54,7 @@ public enum DepositAccountOnClosureType {
             case 300 -> REINVEST_PRINCIPAL_AND_INTEREST;
             case 400 -> REINVEST_PRINCIPAL_ONLY;
             case 500 -> PARTIAL_REINVEST;
+            case 600 -> TRANSFER_TO_GL;
             default -> INVALID;
         };
     }
@@ -91,6 +93,17 @@ public enum DepositAccountOnClosureType {
         return this.equals(PARTIAL_REINVEST);
     }
 
+    /**
+     * Pays the closure proceeds into a GL account the maker picks, instead of a savings account or cash.
+     * Only the fixed-deposit premature-closure handler implements it -- see
+     * DepositAccountDomainServiceJpa#handleFDAccountPreMatureClosure; every other closure path rejects it
+     * in DepositAccountTransactionDataValidator#validateClosing rather than falling through to the
+     * terminal "pay the balance out in cash" branch.
+     */
+    public boolean isTransferToGl() {
+        return this.equals(TRANSFER_TO_GL);
+    }
+
     // TODO: do we really need this?!?
     public static Object[] integerValues() {
         return Arrays.stream(values()).filter(value -> !INVALID.equals(value)).map(value -> value.value).toList().toArray();

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/DepositsApiConstants.java

@@ -123,6 +123,7 @@ public final class DepositsApiConstants {
     public static final String isSeniorCitizenParamName = "isSeniorCitizen";
     public static final String seniorCitizenInterestRateParamName = "seniorCitizenInterestRate";
     public static final String tenureInMonthsParamName = "tenureInMonths";
+    public static final String tenureInDaysParamName = "tenureInDays";
     public static final String interestCompoundingPeriodInMonthsParamName = "interestCompoundingPeriodInMonths";
 
     // Preclosure parameters
@@ -142,6 +143,9 @@ public final class DepositsApiConstants {
     public static final String inMultiplesOfDepositTermParamName = "inMultiplesOfDepositTerm";
     public static final String inMultiplesOfDepositTermTypeIdParamName = "inMultiplesOfDepositTermTypeId";
     public static final String inMultiplesOfDepositTermType = "inMultiplesOfDepositTermType";
+    // Days after maturity a depositor still has to walk in and renew at the original maturity date --
+    // null/0 means this product keeps the instant, same-night auto-renewal every FD product had before.
+    public static final String renewalGracePeriodDaysParamName = "renewalGracePeriodDays";
 
     public static final String depositAmountParamName = "depositAmount";
     public static final String depositMinAmountParamName = "minDepositAmount";
@@ -208,7 +212,18 @@ public final class DepositsApiConstants {
     public static final String onAccountClosureIdParamName = "onAccountClosureId";
     public static final String transferDescriptionParamName = "transferDescription";
     public static final String toSavingsAccountIdParamName = "toSavingsAccountId";
+    // Destination GL account for DepositAccountOnClosureType.TRANSFER_TO_GL -- the closure proceeds are
+    // credited straight to this GL instead of a savings account or cash.
+    public static final String toGlAccountIdParamName = "toGlAccountId";
     public static final String reinvestAmountParamName = "reinvestAmount";
+    // Lets a maker waive the product's configured pre-closure penalty for one premature closure --
+    // see FixedDepositAccount#waivePreClosurePenaltyForThisRequest for why this is a transient
+    // per-request flag rather than a stored account field.
+    public static final String waivePreClosurePenaltyParamName = "waivePreClosurePenalty";
+    // Why the deposit was closed before maturity -- see PrematureClosureReasonType. Persisted (unlike
+    // waivePreClosurePenaltyParamName above) as the RBI audit trail of which closures waived their
+    // penalty and why.
+    public static final String prematureClosureReasonIdParamName = "prematureClosureReasonId";
     public static final String savingsAccounts = "savingsAccounts";
     public static final String maturityInstructionIdParamName = "maturityInstructionId";
     public static final String transferToSavingsIdParamName = "transferToSavingsId";
@@ -237,7 +252,7 @@ public final class DepositsApiConstants {
             SavingProductAccountingParams.PENALTY_INCOME_ACCOUNT_MAPPING.getValue(),
             SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), SavingProductAccountingParams.PENALTIES_RECEIVABLE.getValue(),
             SavingProductAccountingParams.FEES_RECEIVABLE.getValue(), chartsParamName, SavingsApiConstants.withHoldTaxParamName,
-            SavingsApiConstants.taxGroupIdParamName));
+            SavingsApiConstants.taxGroupIdParamName, SavingsApiConstants.otherGlMappingsParamName));
 
     private static final Set<String> PRECLOSURE_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(preClosurePenalApplicableParamName, preClosurePenalInterestParamName, preClosurePenalInterestOnTypeIdParamName));
@@ -247,11 +262,13 @@ public final class DepositsApiConstants {
 
     private static final Set<String> DEPOSIT_TERM_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(minDepositTermParamName,
             maxDepositTermParamName, minDepositTermTypeIdParamName, maxDepositTermTypeIdParamName, inMultiplesOfDepositTermParamName,
-            inMultiplesOfDepositTermTypeIdParamName, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName));
+            inMultiplesOfDepositTermTypeIdParamName, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName,
+            renewalGracePeriodDaysParamName));
 
     private static final Set<String> DEPOSIT_TERM_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(minDepositTermParamName,
             maxDepositTermParamName, minDepositTermType, maxDepositTermType, inMultiplesOfDepositTermParamName,
-            inMultiplesOfDepositTermType, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName));
+            inMultiplesOfDepositTermType, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName,
+            renewalGracePeriodDaysParamName));
 
     private static final Set<String> RECURRING_DETAILS_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(mandatoryRecommendedDepositAmountParamName, isMandatoryDepositParamName, allowWithdrawalParamName,
@@ -373,6 +390,8 @@ public final class DepositsApiConstants {
         fixedDepositRequestData.add("paymentChannelToFundSourceMappings");
         fixedDepositRequestData.add("feeToIncomeAccountMappings");
         fixedDepositRequestData.add("penaltyToIncomeAccountMappings");
+        fixedDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        fixedDepositRequestData.add("otherGlMappingsMap");
         return fixedDepositRequestData;
     }
 
@@ -484,6 +503,8 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("paymentChannelToFundSourceMappings");
         recurringDepositRequestData.add("feeToIncomeAccountMappings");
         recurringDepositRequestData.add("penaltyToIncomeAccountMappings");
+        recurringDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        recurringDepositRequestData.add("otherGlMappingsMap");
         return recurringDepositRequestData;
     }
 
@@ -511,6 +532,7 @@ public final class DepositsApiConstants {
         fixedDepositInterestCalculationData.add(principalAmountParamName);
         fixedDepositInterestCalculationData.add(annualInterestRateParamName);
         fixedDepositInterestCalculationData.add(tenureInMonthsParamName);
+        fixedDepositInterestCalculationData.add(tenureInDaysParamName);
         fixedDepositInterestCalculationData.add(interestPostingPeriodInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestCompoundingPeriodInMonthsParamName);
         // Exact calendar-based calculation params

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/PrematureClosureReasonType.java

@@ -0,0 +1,70 @@
+/**
+ * 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;
+
+import lombok.Getter;
+
+/**
+ * Why a Fixed/Recurring Deposit was closed before maturity -- captured on every premature closure, not
+ * just the ones that waive the penalty, so the audit trail always shows a reason rather than only
+ * recording one when it happens to matter. {@link #isAutoWaived()} is the RBI-driven business rule this
+ * type exists to encode: a maker cannot leave the platform's own penalty-waiver decision to memory or a
+ * free-text note for these four reasons -- picking the reason IS the waiver decision, enforced on the
+ * server regardless of what a client happened to also send for the plain waive-penalty flag.
+ */
+@Getter
+public enum PrematureClosureReasonType {
+
+    INVALID(0, "prematureClosureReasonType.invalid", false), //
+    NORMAL(100, "prematureClosureReasonType.normal", false), //
+    PREMATURE_EXTENSION(200, "prematureClosureReasonType.prematureExtension", true), //
+    CONVERSION_TO_ANOTHER_TD(300, "prematureClosureReasonType.conversionToAnotherTd", true), //
+    DECEASED_SETTLEMENT(400, "prematureClosureReasonType.deceasedSettlement", true), //
+    NOMINEE_LEGAL_HEIR_CLOSURE(500, "prematureClosureReasonType.nomineeLegalHeirClosure", true); //
+
+    private final Integer value;
+    private final String code;
+    /** True when this reason, by itself, waives the pre-closure penalty regardless of any manual
+     *  waive-penalty flag also sent -- see the class javadoc. */
+    private final boolean autoWaived;
+
+    PrematureClosureReasonType(final Integer value, final String code, final boolean autoWaived) {
+        this.value = value;
+        this.code = code;
+        this.autoWaived = autoWaived;
+    }
+
+    public static PrematureClosureReasonType fromInt(final Integer v) {
+        if (v == null) {
+            return INVALID;
+        }
+        return switch (v) {
+            case 100 -> NORMAL;
+            case 200 -> PREMATURE_EXTENSION;
+            case 300 -> CONVERSION_TO_ANOTHER_TD;
+            case 400 -> DECEASED_SETTLEMENT;
+            case 500 -> NOMINEE_LEGAL_HEIR_CLOSURE;
+            default -> INVALID;
+        };
+    }
+
+    public boolean isInvalid() {
+        return this.equals(INVALID);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/SavingsApiConstants.java

@@ -286,6 +286,15 @@ public class SavingsApiConstants {
     public static final String avgBalanceCalcPeriodParamName = "avgBalanceCalcPeriod";
     public static final String validForPeriodParamName = "validForPeriod";
     public static final String odAccountClosedZeroBalanceInDayClosingParamName = "odAccountClosedZeroBalanceInDayClosing";
+    // Overdraft scheme rules a sanction on an account is held to: overdraftLimit is the ceiling (an
+    // amount), odMinLimit the floor, odSecurityType whether the limit may be clean, secured, or either.
+    public static final String odMinLimitParamName = "odMinLimit";
+    public static final String odSecurityTypeParamName = "odSecurityType";
+    // Excess drawing: whether an account may go past its sanctioned limit, by how much (a percentage of the
+    // limit), and the penal charge (% p.a.) levied on the excess alone for the days it stays excess.
+    public static final String odExcessAllowedParamName = "odExcessAllowed";
+    public static final String odExcessLimitPercentParamName = "odExcessLimitPercent";
+    public static final String odPenalRateParamName = "odPenalRate";
 
     // Status of Account fields
     public static final String accountStatusParamName = "accountStatus";

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/data/SavingsProductData.java

@@ -152,6 +152,11 @@ public final class SavingsProductData implements Serializable {
     @Getter @Setter private String avgBalanceCalcPeriod;
     @Getter @Setter private String validForPeriod;
     @Getter @Setter private Boolean odAccountClosedZeroBalanceInDayClosing;
+    @Getter @Setter private BigDecimal odMinLimit;
+    @Getter @Setter private String odSecurityType;
+    @Getter @Setter private Boolean odExcessAllowed;
+    @Getter @Setter private BigDecimal odExcessLimitPercent;
+    @Getter @Setter private BigDecimal odPenalRate;
 
     // Complex objects wrapped as Maps/Lists so Jackson converts them into the exact JSON your UI expects
     @Getter @Setter private Map<String, Object> accountFacilityConfig;
@@ -382,6 +387,11 @@ public final class SavingsProductData implements Serializable {
         target.setAvgBalanceCalcPeriod(source.getAvgBalanceCalcPeriod());
         target.setValidForPeriod(source.getValidForPeriod());
         target.setOdAccountClosedZeroBalanceInDayClosing(source.getOdAccountClosedZeroBalanceInDayClosing());
+        target.setOdMinLimit(source.getOdMinLimit());
+        target.setOdSecurityType(source.getOdSecurityType());
+        target.setOdExcessAllowed(source.getOdExcessAllowed());
+        target.setOdExcessLimitPercent(source.getOdExcessLimitPercent());
+        target.setOdPenalRate(source.getOdPenalRate());
         target.setOtherGlMappingsMap(source.getOtherGlMappingsMap());
         target.setAccountFacilityConfig(source.getAccountFacilityConfig());
         target.setAccountFacilityLimits(source.getAccountFacilityLimits());

fineract-core/src/main/java/org/apache/fineract/portfolio/savings/service/SavingsEnumerations.java

@@ -801,6 +801,10 @@ public final class SavingsEnumerations {
                 optionData = new EnumOptionData(DepositAccountOnClosureType.PARTIAL_REINVEST.getValue().longValue(),
                         DepositAccountOnClosureType.PARTIAL_REINVEST.getCode(), "Partial Re-Invest");
             break;
+            case TRANSFER_TO_GL:
+                optionData = new EnumOptionData(DepositAccountOnClosureType.TRANSFER_TO_GL.getValue().longValue(),
+                        DepositAccountOnClosureType.TRANSFER_TO_GL.getCode(), "Transfer to GL Account");
+            break;
         }
         return optionData;
     }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccount.java

@@ -76,7 +76,8 @@ public class CurrentAccount extends AbstractAuditableCustom {
     @Column(name = "status_enum", nullable = false)
     private Integer statusEnum = 100;
 
-    // SubStatus: 0=None, 100=Inactive, 200=Dormant, 300=Block, 400=BlockDebit, 500=BlockCredit
+    // SubStatus, same codes as savings: 0=None, 100=Inactive, 200=Dormant, 300=Escheat, 400=Block, 500=BlockCredit,
+    // 600=BlockDebit
     @Column(name = "sub_status_enum", nullable = false)
     private Integer subStatusEnum = 0;
 

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccountRepository.java

@@ -38,6 +38,12 @@ public interface CurrentAccountRepository extends JpaRepository<CurrentAccount,
     @Query("SELECT ca FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.statusEnum != 600")
     List<CurrentAccount> findActiveByClientId(@Param("clientId") Long clientId);
 
-    @Query("SELECT COUNT(ca) FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.productId = :productId AND ca.statusEnum != 600")
+    // statusEnum != 600 (CLOSED) let a client re-apply for the same product only once every prior
+    // account on it was closed -- but 400 (WITHDRAWN) and 500 (REJECTED), see CurrentAccount.withdraw()
+    // /.reject(), are equally terminal and were still being counted as "still has one", blocking a
+    // fresh application the client should have been free to make. 100/200/300 (submitted, approved,
+    // active) are the only statuses a second application on the same product should actually collide
+    // with.
+    @Query("SELECT COUNT(ca) FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.productId = :productId AND ca.statusEnum IN (100, 200, 300)")
     long countActiveByClientAndProduct(@Param("clientId") Long clientId, @Param("productId") Long productId);
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccountTransaction.java

@@ -46,7 +46,7 @@ public class CurrentAccountTransaction extends AbstractPersistableCustom<Long> {
     @JoinColumn(name = "office_id", nullable = false)
     private Office office;
 
-    // 1=Deposit, 2=Withdrawal, 3=InterestPosting, 4=Charge, 5=ChargeWaiver, 6=Transfer, 7=Reversal
+    // 1=Deposit, 2=Withdrawal, 3=InterestPosting, 4=Charge, 5=ChargeWaiver, 6=Transfer, 7=Reversal, 19=Escheat
     @Column(name = "transaction_type_enum", nullable = false)
     private Integer transactionTypeEnum;
 
@@ -176,6 +176,20 @@ public class CurrentAccountTransaction extends AbstractPersistableCustom<Long> {
         return txn;
     }
 
+    // transactionTypeEnum = 19 (Escheat) -- the whole balance moved to the escheat liability, same code as savings
+    public static CurrentAccountTransaction escheat(CurrentAccount account, Office office,
+            BigDecimal amount, LocalDate transactionDate) {
+        CurrentAccountTransaction txn = new CurrentAccountTransaction();
+        txn.currentAccount = account;
+        txn.office = office;
+        txn.transactionTypeEnum = 19;
+        txn.amount = amount;
+        txn.transactionDate = transactionDate;
+        txn.remarks = "Escheat: dormant for the product's escheat period, balance moved to the escheat liability";
+        txn.submittedOnDate = transactionDate;
+        return txn;
+    }
+
     // transactionTypeEnum = 7 (Reversal / Undo)
     public static CurrentAccountTransaction reversal(CurrentAccount account, Office office,
             BigDecimal amount, LocalDate transactionDate, Long originalTransactionId) {

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/service/CurrentAccountTransactionWritePlatformService.java

@@ -36,4 +36,10 @@ public interface CurrentAccountTransactionWritePlatformService {
     CommandProcessingResult reverseTransaction(Long accountId, Long transactionId, boolean isReversal, JsonCommand command);
 
     CommandProcessingResult adjustTransaction(Long accountId, Long transactionId, JsonCommand command);
+
+    /**
+     * Escheats a dormant current account: moves its whole balance to the escheat liability and closes it. Run by the
+     * nightly dormancy job; returns false, leaving the account untouched, where it cannot safely be done.
+     */
+    boolean escheat(Long accountId);
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/data/CurrentProductDataValidator.java

@@ -44,7 +44,13 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.minRequi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateOverdraftParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.overdraftLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.shortNameParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.taxGroupIdParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.withHoldTaxParamName;
@@ -136,7 +142,17 @@ public class CurrentProductDataValidator {
             SavingsApiConstants.balanceSwapOptionParamName, SavingsApiConstants.msmeParamName,
             SavingsApiConstants.autoDebitFacilityParamName, SavingsApiConstants.avgBalanceCalcPeriodParamName,
             SavingsApiConstants.validForPeriodParamName, SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName,
-            SavingsApiConstants.glAccountIdParamName));
+            odMinLimitParamName, odSecurityTypeParamName, odExcessAllowedParamName, odExcessLimitPercentParamName,
+            odPenalRateParamName, SavingsApiConstants.glAccountIdParamName));
+
+    /** How long an OD sanction on this scheme runs before it has to be renewed. */
+    private static final List<String> OD_VALIDITY_PERIODS = List.of("3M", "6M", "1Y", "2Y", "3Y");
+    /** CLEAN: no security needed; SECURED: backed by FD lien, property etc.; BOTH: decided per sanction. */
+    private static final List<String> OD_SECURITY_TYPES = List.of("CLEAN", "SECURED", "BOTH");
+    /** A sanity ceiling on the OD rate, catching a limit keyed into the rate field. */
+    private static final BigDecimal MAX_OVERDRAFT_RATE = new BigDecimal("50");
+    /** Excess drawing is a small tolerance over the limit, never a second limit. */
+    private static final BigDecimal MAX_EXCESS_PERCENT = new BigDecimal("25");
 
     public void validateForCreate(final String json) {
         if (StringUtils.isBlank(json)) {
@@ -260,10 +276,10 @@ public class CurrentProductDataValidator {
         if (AccountingValidations.isCashBasedAccounting(accountingRuleType)
                 || AccountingValidations.isAccrualPeriodicBasedAccounting(accountingRuleType)) {
             savingsProductAccountingDataValidator.evaluateProductAccountingData(accountingRuleType, isDormancyActive, element,
-                    baseDataValidator, DepositAccountType.SAVINGS_DEPOSIT, true);
+                    baseDataValidator, DepositAccountType.CURRENT_DEPOSIT, true);
         }
 
-        validateOverdraftParams(baseDataValidator, element);
+        validateOverdraftParams(baseDataValidator, element, null);
 
         if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
             final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minBalanceForInterestCalculationParamName, element);
@@ -358,7 +374,7 @@ public class CurrentProductDataValidator {
         if (AccountingValidations.isCashBasedAccounting(accountingRuleType)
                 || AccountingValidations.isAccrualPeriodicBasedAccounting(accountingRuleType)) {
             savingsProductAccountingDataValidator.evaluateProductAccountingData(accountingRuleType, isDormancyActive, element,
-                    baseDataValidator, DepositAccountType.SAVINGS_DEPOSIT, false);
+                    baseDataValidator, DepositAccountType.CURRENT_DEPOSIT, false);
         }
 
         if (null != isDormancyActive && isDormancyActive) {
@@ -380,7 +396,7 @@ public class CurrentProductDataValidator {
             }
         }
 
-        validateOverdraftParams(baseDataValidator, element);
+        validateOverdraftParams(baseDataValidator, element, product);
 
         if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
             final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minBalanceForInterestCalculationParamName, element);
@@ -398,23 +414,103 @@ public class CurrentProductDataValidator {
         }
     }
 
-    private void validateOverdraftParams(final DataValidatorBuilder baseDataValidator, final JsonElement element) {
+    /**
+     * The overdraft section of a current product is the scheme every account's OD sanction is held to, so when OD is
+     * allowed it has to be complete: a ceiling (overdraftLimit, an amount, not a percentage), an optional floor, a rate,
+     * a sanction validity and whether the limit may be clean or must be secured. Interest on an OD is applied monthly,
+     * as RBI requires for advances, or at most quarterly.
+     *
+     * On update, product is the stored product and fills in any value the request leaves out, so a partial edit is
+     * checked against the scheme it will produce; on create it is null.
+     */
+    private void validateOverdraftParams(final DataValidatorBuilder baseDataValidator, final JsonElement element,
+            final CurrentProduct product) {
         if (this.fromApiJsonHelper.parameterExists(allowOverdraftParamName, element)) {
             final Boolean allowOverdraft = this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element);
             baseDataValidator.reset().parameter(allowOverdraftParamName).value(allowOverdraft).ignoreIfNull().validateForBooleanValue();
         }
-        if (this.fromApiJsonHelper.parameterExists(overdraftLimitParamName, element)) {
-            final BigDecimal overdraftLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(overdraftLimitParamName, element);
-            baseDataValidator.reset().parameter(overdraftLimitParamName).value(overdraftLimit).ignoreIfNull().zeroOrPositiveAmount();
+        final boolean allowOverdraft = this.fromApiJsonHelper.parameterExists(allowOverdraftParamName, element)
+                ? BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element))
+                : product != null && product.isAllowOverdraft();
+
+        final BigDecimal maxLimit = bigDecimalOrStored(element, overdraftLimitParamName,
+                product == null ? null : product.getOverdraftLimit());
+        final BigDecimal minLimit = bigDecimalOrStored(element, odMinLimitParamName, product == null ? null : product.getOdMinLimit());
+        final BigDecimal rate = bigDecimalOrStored(element, nominalAnnualInterestRateOverdraftParamName,
+                product == null ? null : product.getNominalAnnualInterestRateOverdraft());
+        final BigDecimal minOdForInterest = bigDecimalOrStored(element, minOverdraftForInterestCalculationParamName,
+                product == null ? null : product.getMinOverdraftForInterestCalculation());
+
+        if (!allowOverdraft) {
+            baseDataValidator.reset().parameter(overdraftLimitParamName).value(maxLimit).ignoreIfNull().zeroOrPositiveAmount();
+            baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(rate).ignoreIfNull()
+                    .zeroOrPositiveAmount();
+            baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOdForInterest).ignoreIfNull()
+                    .zeroOrPositiveAmount();
+            return;
         }
-        if (this.fromApiJsonHelper.parameterExists(nominalAnnualInterestRateOverdraftParamName, element)) {
-            final BigDecimal nominalAnnualInterestRateOverdraft = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(nominalAnnualInterestRateOverdraftParamName, element);
-            baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(nominalAnnualInterestRateOverdraft).ignoreIfNull().zeroOrPositiveAmount();
+
+        baseDataValidator.reset().parameter(overdraftLimitParamName).value(maxLimit).notNull().positiveAmount();
+        baseDataValidator.reset().parameter(odMinLimitParamName).value(minLimit).ignoreIfNull().zeroOrPositiveAmount();
+        if (minLimit != null && maxLimit != null && minLimit.compareTo(maxLimit) > 0) {
+            baseDataValidator.reset().parameter(odMinLimitParamName).value(minLimit)
+                    .failWithCodeAndMessage("cannot.exceed.maximum.overdraft.limit", "Minimum OD limit cannot exceed the maximum OD limit.");
         }
-        if (this.fromApiJsonHelper.parameterExists(minOverdraftForInterestCalculationParamName, element)) {
-            final BigDecimal minOverdraftForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minOverdraftForInterestCalculationParamName, element);
-            baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOverdraftForInterestCalculation).ignoreIfNull().zeroOrPositiveAmount();
+        baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(rate).notNull().positiveAmount()
+                .notGreaterThanMax(MAX_OVERDRAFT_RATE);
+        baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOdForInterest).ignoreIfNull()
+                .zeroOrPositiveAmount();
+
+        final String validity = stringOrStored(element, validForPeriodParamName, product == null ? null : product.getValidForPeriod());
+        baseDataValidator.reset().parameter(validForPeriodParamName).value(validity).notBlank()
+                .isOneOfTheseStringValues(OD_VALIDITY_PERIODS);
+
+        final String securityType = stringOrStored(element, odSecurityTypeParamName,
+                product == null ? null : product.getOdSecurityType());
+        baseDataValidator.reset().parameter(odSecurityTypeParamName).value(securityType).notBlank()
+                .isOneOfTheseStringValues(OD_SECURITY_TYPES);
+
+        // Excess drawing past the sanctioned limit. Off means a withdrawal beyond the limit is refused. On, the
+        // excess is capped at a percentage of the limit and carries a penal charge on the excess alone -- a separate
+        // charge, as RBI's 2023 penal-charges directions require, not a higher rate on the whole balance.
+        final boolean excessAllowed = this.fromApiJsonHelper.parameterExists(odExcessAllowedParamName, element)
+                ? BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(odExcessAllowedParamName, element))
+                : product != null && product.isOdExcessAllowed();
+        if (excessAllowed) {
+            final BigDecimal excessPercent = bigDecimalOrStored(element, odExcessLimitPercentParamName,
+                    product == null ? null : product.getOdExcessLimitPercent());
+            baseDataValidator.reset().parameter(odExcessLimitPercentParamName).value(excessPercent).notNull().positiveAmount()
+                    .notGreaterThanMax(MAX_EXCESS_PERCENT);
+            final BigDecimal penalRate = bigDecimalOrStored(element, odPenalRateParamName,
+                    product == null ? null : product.getOdPenalRate());
+            baseDataValidator.reset().parameter(odPenalRateParamName).value(penalRate).notNull().positiveAmount()
+                    .notGreaterThanMax(MAX_OVERDRAFT_RATE);
         }
+
+        final Integer postingPeriod = this.fromApiJsonHelper.parameterExists(interestPostingPeriodTypeParamName, element)
+                ? this.fromApiJsonHelper.extractIntegerSansLocaleNamed(interestPostingPeriodTypeParamName, element)
+                : product == null ? null : product.getInterestPostingPeriodType();
+        baseDataValidator.reset().parameter(interestPostingPeriodTypeParamName).value(postingPeriod).ignoreIfNull()
+                .isOneOfTheseValues(SavingsPostingInterestPeriodType.MONTHLY.getValue(),
+                        SavingsPostingInterestPeriodType.QUATERLY.getValue());
+
+        final Integer daysInYear = this.fromApiJsonHelper.parameterExists(interestCalculationDaysInYearTypeParamName, element)
+                ? this.fromApiJsonHelper.extractIntegerSansLocaleNamed(interestCalculationDaysInYearTypeParamName, element)
+                : product == null ? null : product.getInterestCalculationDaysInYearType();
+        baseDataValidator.reset().parameter(interestCalculationDaysInYearTypeParamName).value(daysInYear).ignoreIfNull()
+                .isOneOfTheseValues(SavingsInterestCalculationDaysInYearType.DAYS_360.getValue(),
+                        SavingsInterestCalculationDaysInYearType.DAYS_365.getValue());
+    }
+
+    private BigDecimal bigDecimalOrStored(final JsonElement element, final String paramName, final BigDecimal stored) {
+        return this.fromApiJsonHelper.parameterExists(paramName, element)
+                ? this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(paramName, element)
+                : stored;
+    }
+
+    private String stringOrStored(final JsonElement element, final String paramName, final String stored) {
+        return this.fromApiJsonHelper.parameterExists(paramName, element) ? this.fromApiJsonHelper.extractStringNamed(paramName, element)
+                : stored;
     }
 
     private void validateLienParams(final DataValidatorBuilder baseDataValidator, final JsonElement element) {
@@ -430,7 +526,7 @@ public class CurrentProductDataValidator {
                 && BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element))) {
             final BigDecimal maxAllowedLienLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(maxAllowedLienLimitParamName, element);
             final BigDecimal overdraftLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(overdraftLimitParamName, element);
-            if (overdraftLimit.compareTo(maxAllowedLienLimit) > 0) {
+            if (overdraftLimit != null && maxAllowedLienLimit != null && overdraftLimit.compareTo(maxAllowedLienLimit) > 0) {
                 baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("Overdraft.limit.can.not.be.greater.than.lien.limit");
             }
         }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/domain/CurrentProduct.java

@@ -68,6 +68,11 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.autoDebi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.avgBalanceCalcPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
 
 import com.google.gson.JsonArray;
 import jakarta.persistence.CascadeType;
@@ -290,6 +295,25 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
     @Column(name = "od_account_closed_zero_balance_in_day_closing")
     private boolean odAccountClosedZeroBalanceInDayClosing = false;
 
+    // The smallest limit an account on this scheme may be sanctioned; overdraftLimit is the largest.
+    @Column(name = "od_min_limit", scale = 6, precision = 19)
+    private BigDecimal odMinLimit;
+
+    // CLEAN, SECURED or BOTH: whether a sanction must be backed by security (FD lien, property...).
+    @Column(name = "od_security_type", length = 20)
+    private String odSecurityType;
+
+    // Excess drawing past the sanctioned limit: off means it is blocked. When on, odExcessLimitPercent caps the excess
+    // as a percentage of the limit and odPenalRate (% p.a.) is charged on the excess alone.
+    @Column(name = "od_excess_allowed")
+    private boolean odExcessAllowed = false;
+
+    @Column(name = "od_excess_limit_percent", scale = 6, precision = 19)
+    private BigDecimal odExcessLimitPercent;
+
+    @Column(name = "od_penal_rate", scale = 6, precision = 19)
+    private BigDecimal odPenalRate;
+
     @OneToOne(cascade = CascadeType.ALL, mappedBy = "currentProduct", orphanRemoval = true)
     private CurrentProductFacilityConfig facilityConfig;
 
@@ -804,11 +828,45 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
             actualChanges.put(odAccountClosedZeroBalanceInDayClosingParamName, newValue);
             this.odAccountClosedZeroBalanceInDayClosing = newValue;
         }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odMinLimitParamName, this.odMinLimit)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odMinLimitParamName);
+            actualChanges.put(odMinLimitParamName, newValue);
+            this.odMinLimit = newValue;
+        }
+        if (command.isChangeInStringParameterNamed(odSecurityTypeParamName, this.odSecurityType)) {
+            final String newValue = command.stringValueOfParameterNamed(odSecurityTypeParamName);
+            actualChanges.put(odSecurityTypeParamName, newValue);
+            this.odSecurityType = newValue;
+        }
+        if (command.isChangeInBooleanParameterNamed(odExcessAllowedParamName, this.odExcessAllowed)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed(odExcessAllowedParamName);
+            actualChanges.put(odExcessAllowedParamName, newValue);
+            this.odExcessAllowed = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odExcessLimitPercentParamName, this.odExcessLimitPercent)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odExcessLimitPercentParamName);
+            actualChanges.put(odExcessLimitPercentParamName, newValue);
+            this.odExcessLimitPercent = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odPenalRateParamName, this.odPenalRate)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odPenalRateParamName);
+            actualChanges.put(odPenalRateParamName, newValue);
+            this.odPenalRate = newValue;
+        }
+        if (!this.odExcessAllowed) {
+            this.odExcessLimitPercent = null;
+            this.odPenalRate = null;
+        }
         // Clear OD-specific fields when overdraft is disabled
         if (!this.allowOverdraft) {
             this.avgBalanceCalcPeriod = null;
             this.validForPeriod = null;
             this.odAccountClosedZeroBalanceInDayClosing = false;
+            this.odMinLimit = null;
+            this.odSecurityType = null;
+            this.odExcessAllowed = false;
+            this.odExcessLimitPercent = null;
+            this.odPenalRate = null;
         }
 
         return actualChanges;
@@ -890,4 +948,14 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
     public void setValidForPeriod(String validForPeriod) { this.validForPeriod = validForPeriod; }
     public boolean isOdAccountClosedZeroBalanceInDayClosing() { return odAccountClosedZeroBalanceInDayClosing; }
     public void setOdAccountClosedZeroBalanceInDayClosing(boolean val) { this.odAccountClosedZeroBalanceInDayClosing = val; }
+    public BigDecimal getOdMinLimit() { return odMinLimit; }
+    public void setOdMinLimit(BigDecimal odMinLimit) { this.odMinLimit = odMinLimit; }
+    public String getOdSecurityType() { return odSecurityType; }
+    public void setOdSecurityType(String odSecurityType) { this.odSecurityType = odSecurityType; }
+    public boolean isOdExcessAllowed() { return odExcessAllowed; }
+    public void setOdExcessAllowed(boolean odExcessAllowed) { this.odExcessAllowed = odExcessAllowed; }
+    public BigDecimal getOdExcessLimitPercent() { return odExcessLimitPercent; }
+    public void setOdExcessLimitPercent(BigDecimal odExcessLimitPercent) { this.odExcessLimitPercent = odExcessLimitPercent; }
+    public BigDecimal getOdPenalRate() { return odPenalRate; }
+    public void setOdPenalRate(BigDecimal odPenalRate) { this.odPenalRate = odPenalRate; }
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/domain/CurrentProductAssembler.java

@@ -43,6 +43,11 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.autoDebi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.avgBalanceCalcPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.endDateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.enforceMinRequiredBalanceParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.frequencyFixDayParamName;
@@ -314,6 +319,23 @@ public class CurrentProductAssembler {
             if (command.parameterExists(odAccountClosedZeroBalanceInDayClosingParamName)) {
                 product.setOdAccountClosedZeroBalanceInDayClosing(command.booleanPrimitiveValueOfParameterNamed(odAccountClosedZeroBalanceInDayClosingParamName));
             }
+            if (command.parameterExists(odMinLimitParamName)) {
+                product.setOdMinLimit(command.bigDecimalValueOfParameterNamed(odMinLimitParamName));
+            }
+            if (command.parameterExists(odSecurityTypeParamName)) {
+                product.setOdSecurityType(command.stringValueOfParameterNamed(odSecurityTypeParamName));
+            }
+            final boolean excessAllowed = command.parameterExists(odExcessAllowedParamName)
+                    && command.booleanPrimitiveValueOfParameterNamed(odExcessAllowedParamName);
+            product.setOdExcessAllowed(excessAllowed);
+            if (excessAllowed) {
+                if (command.parameterExists(odExcessLimitPercentParamName)) {
+                    product.setOdExcessLimitPercent(command.bigDecimalValueOfParameterNamed(odExcessLimitPercentParamName));
+                }
+                if (command.parameterExists(odPenalRateParamName)) {
+                    product.setOdPenalRate(command.bigDecimalValueOfParameterNamed(odPenalRateParamName));
+                }
+            }
         }
 
         return product;

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductGlMappingWriter.java

@@ -0,0 +1,115 @@
+/**
+ * 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.currentproduct.service;
+
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.common.AccountingConstants.SavingProductAccountingParams;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.portfolio.PortfolioProductType;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Writes a current product's GL mappings to acc_product_mapping under {@link PortfolioProductType#CURRENT}.
+ *
+ * <p>
+ * They used to be written by the savings mapping writer under SAVING, keyed only by product id, so a current product
+ * and a savings product with the same id shared rows: two Current Control rows came back for one lookup and the
+ * account's GL posting failed outright, leaving the balance moved with no journal entry. Written under their own type,
+ * the two can never meet.
+ *
+ * <p>
+ * A parameter present in the request replaces that one mapping (null clears it); an absent one is left alone, so a
+ * partial edit changes only what it names. Accounting rule NONE clears every mapping.
+ */
+@Component
+@RequiredArgsConstructor
+public class CurrentProductGlMappingWriter {
+
+    /** Request parameter -> financial account type (CashAccountsForSavings / AccrualAccountsForSavings). */
+    private static final Map<String, Integer> PARAM_TO_FINANCIAL_TYPE = new LinkedHashMap<>();
+
+    static {
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.SAVINGS_REFERENCE.getValue(), 1);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.SAVINGS_CONTROL.getValue(), 2);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_ON_SAVINGS.getValue(), 3);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_FEES.getValue(), 4);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_PENALTIES.getValue(), 5);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), 10);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.OVERDRAFT_PORTFOLIO_CONTROL.getValue(), 11);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_INTEREST.getValue(), 12);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), 13);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.ESCHEAT_LIABILITY.getValue(), 14);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.FEES_RECEIVABLE.getValue(), 15);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.PENALTIES_RECEIVABLE.getValue(), 16);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), 17);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_RECEIVABLE.getValue(), 18);
+    }
+
+    private static final int CURRENT = PortfolioProductType.CURRENT.getValue();
+
+    private final JdbcTemplate jdbcTemplate;
+
+    /**
+     * Applies the request's mappings to the product and returns what changed, keyed by parameter name.
+     *
+     * @param accountingRule
+     *            the product's accounting rule after this request (1 = NONE)
+     */
+    public Map<String, Object> write(final Long productId, final JsonCommand command, final Integer accountingRule) {
+        final Map<String, Object> changes = new LinkedHashMap<>();
+        if (accountingRule == null || accountingRule == 1) {
+            jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ?", CURRENT, productId);
+            return changes;
+        }
+        final JsonElement parsed = command.parsedJson();
+        final JsonObject json = parsed != null && parsed.isJsonObject() ? parsed.getAsJsonObject() : new JsonObject();
+        for (final Map.Entry<String, Integer> entry : PARAM_TO_FINANCIAL_TYPE.entrySet()) {
+            final String param = entry.getKey();
+            if (!json.has(param)) {
+                continue;
+            }
+            final Long glAccountId = json.get(param).isJsonNull() ? null : json.get(param).getAsLong();
+            final Long existing = jdbcTemplate.queryForList(
+                    "SELECT gl_account_id FROM acc_product_mapping WHERE product_type = ? AND product_id = ? AND financial_account_type = ?"
+                            + " AND payment_type IS NULL AND charge_id IS NULL",
+                    Long.class, CURRENT, productId, entry.getValue()).stream().findFirst().orElse(null);
+            if (java.util.Objects.equals(existing, glAccountId)) {
+                continue;
+            }
+            jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ? AND financial_account_type = ?"
+                    + " AND payment_type IS NULL AND charge_id IS NULL", CURRENT, productId, entry.getValue());
+            if (glAccountId != null) {
+                jdbcTemplate.update("INSERT INTO acc_product_mapping (gl_account_id, product_id, product_type, financial_account_type)"
+                        + " VALUES (?, ?, ?, ?)", glAccountId, productId, CURRENT, entry.getValue());
+            }
+            changes.put(param, glAccountId);
+        }
+        return changes;
+    }
+
+    /** Removes every mapping of a deleted product. */
+    public void deleteAll(final Long productId) {
+        jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ?", CURRENT, productId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductReadPlatformServiceImpl.java

@@ -268,6 +268,9 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             sqlBuilder.append("cp.balance_swap_option as balanceSwapOption, cp.msme as msme, cp.auto_debit_facility as autoDebitFacility, ");
             sqlBuilder.append("cp.avg_balance_calc_period as avgBalanceCalcPeriod, cp.valid_for_period as validForPeriod, ");
             sqlBuilder.append("cp.od_account_closed_zero_balance_in_day_closing as odAccountClosedZeroBalanceInDayClosing, ");
+            sqlBuilder.append("cp.od_min_limit as odMinLimit, cp.od_security_type as odSecurityType, ");
+            sqlBuilder.append("cp.od_excess_allowed as odExcessAllowed, cp.od_excess_limit_percent as odExcessLimitPercent, ");
+            sqlBuilder.append("cp.od_penal_rate as odPenalRate, ");
             sqlBuilder.append("exists(select 1 from m_saving_product_temp spt where spt.product_id = cp.id "
                     + "and spt.product_type = 'CURRENT' and spt.status = 'PENDING') as isPendingApproval ");
 
@@ -393,6 +396,11 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             productData.setAvgBalanceCalcPeriod(rs.getString("avgBalanceCalcPeriod"));
             productData.setValidForPeriod(rs.getString("validForPeriod"));
             productData.setOdAccountClosedZeroBalanceInDayClosing(rs.getBoolean("odAccountClosedZeroBalanceInDayClosing"));
+            productData.setOdMinLimit(rs.getBigDecimal("odMinLimit"));
+            productData.setOdSecurityType(rs.getString("odSecurityType"));
+            productData.setOdExcessAllowed(rs.getBoolean("odExcessAllowed"));
+            productData.setOdExcessLimitPercent(rs.getBigDecimal("odExcessLimitPercent"));
+            productData.setOdPenalRate(rs.getBigDecimal("odPenalRate"));
             productData.setIsPendingApproval(rs.getBoolean("isPendingApproval"));
 
             return productData;

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductWritePlatformServiceJpaRepositoryImpl.java

@@ -98,6 +98,7 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
     private final ProductPendingEditGlMappingRepository pendingEditGlMappingRepository;
     private final FromJsonHelper fromApiJsonHelper;
     private final CommandSourceRepository commandSourceRepository;
+    private final CurrentProductGlMappingWriter glMappingWriter;
 
     private void handleDataIntegrityIssues(final JsonCommand command, final Throwable realCause, final Exception dae) {
         String msgCode = "error.msg." + DepositsApiConstants.CURRENT_PRODUCT_RESOURCE_NAME;
@@ -161,8 +162,8 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
                 this.depositLimitKycRepository.saveAndFlush(depositLimitKyc);
             }
 
-            this.accountMappingWritePlatformService.createSavingProductToGLAccountMapping(product.getId(), command,
-                    DepositAccountType.SAVINGS_DEPOSIT);
+            // Under the product's own CURRENT type, never SAVING: see CurrentProductGlMappingWriter.
+            this.glMappingWriter.write(product.getId(), command, product.getAccountingType());
 
             return new CommandProcessingResultBuilder() //
                     .withEntityId(product.getId()) //
@@ -258,10 +259,8 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
             }
 
             // accounting related changes
-            final boolean accountingTypeChanged = changes.containsKey(accountingRuleParamName);
-            final Map<String, Object> accountingMappingChanges = this.accountMappingWritePlatformService
-                    .updateSavingsProductToGLAccountMapping(product.getId(), command, accountingTypeChanged, product.getAccountingType(),
-                            DepositAccountType.SAVINGS_DEPOSIT);
+            final Map<String, Object> accountingMappingChanges = this.glMappingWriter.write(product.getId(), command,
+                    product.getAccountingType());
             changes.putAll(accountingMappingChanges);
 
             if (!changes.isEmpty()) {
@@ -504,6 +503,7 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
                 .orElseThrow(() -> new SavingsProductNotFoundException(productId));
 
         this.currentProductRepository.delete(product);
+        this.glMappingWriter.deleteAll(productId);
 
         return new CommandProcessingResultBuilder() //
                 .withEntityId(product.getId()) //

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/starter/CurrentProductConfiguration.java

@@ -33,6 +33,7 @@ import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductDeposit
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityConfigRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimitRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductRepository;
+import org.apache.fineract.portfolio.currentproduct.service.CurrentProductGlMappingWriter;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductReadPlatformService;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductWritePlatformService;
@@ -78,11 +79,11 @@ public class CurrentProductConfiguration {
             ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository,
             ProductPendingEditGlMappingRepository pendingEditGlMappingRepository,
             FromJsonHelper fromApiJsonHelper,
-            CommandSourceRepository commandSourceRepository) {
+            CommandSourceRepository commandSourceRepository, CurrentProductGlMappingWriter glMappingWriter) {
         return new CurrentProductWritePlatformServiceJpaRepositoryImpl(context, currentProductRepository, currentProductDataValidator,
                 currentProductAssembler, accountMappingWritePlatformService, currentFacilityConfigRepository,
                 currentFacilityLimitRepository, currentDepositLimitKycRepository, productPendingEditRepository,
                 pendingEditSubmittedFieldRepository, pendingEditChargeRepository, pendingEditFacilityLimitRepository,
-                pendingEditGlMappingRepository, fromApiJsonHelper, commandSourceRepository);
+                pendingEditGlMappingRepository, fromApiJsonHelper, commandSourceRepository, glMappingWriter);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/accounting/balancesheet/api/BalanceSheetApiResource.java

@@ -0,0 +1,243 @@
+/**
+ * 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.balancesheet.api;
+
+import com.google.gson.Gson;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+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.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * An "as on date" balance sheet built directly off the live chart of accounts and journal entries,
+ * rather than a stock Fineract trial balance report — this reproduces the specific sub-group-wise
+ * layout this bank's own paper balance sheet uses: every top-level Header account (Capital, Deposit
+ * Account, Other Liabilities, ...) is one named block, with its Detail (and any nested Header)
+ * children indented underneath it and a subtotal on the block itself. A Detail account with no
+ * Header at all (see GLAccountTransactionGuard's sibling concern - some accounts are seeded standalone)
+ * still needs to appear somewhere, so it is listed as its own root-level line rather than silently
+ * dropped.
+ *
+ * A Header account never itself carries a journal entry (see the header/detail discussion this
+ * feature grew out of), so its balance is always the recursive sum of its children - never read off
+ * acc_gl_journal_entry directly.
+ */
+@Path("/v1/accounting/balancesheet")
+@Component
+@RequiredArgsConstructor
+@Produces({ MediaType.APPLICATION_JSON })
+public class BalanceSheetApiResource {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSION = "GLACCOUNT";
+
+    private final PlatformSecurityContext context;
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new Gson();
+
+    // classification_enum values (see acc_gl_account / GLAccountType).
+    private static final int ASSET = 1;
+    private static final int LIABILITY = 2;
+    private static final int EQUITY = 3;
+    private static final int INCOME = 4;
+    private static final int EXPENSE = 5;
+    // account_usage values (see GLAccountUsage).
+    private static final int DETAIL = 1;
+    private static final int HEADER = 2;
+
+    private static final class Node {
+
+        Long id;
+        String name;
+        String glCode;
+        int usage;
+        int classification;
+        Long parentId;
+        BigDecimal ownBalance = BigDecimal.ZERO;
+        final List<Node> children = new ArrayList<>();
+
+        BigDecimal balance() {
+            if (usage == DETAIL) {
+                return ownBalance;
+            }
+            BigDecimal sum = BigDecimal.ZERO;
+            for (final Node child : children) {
+                sum = sum.add(child.balance());
+            }
+            return sum;
+        }
+
+        Map<String, Object> toJson() {
+            final Map<String, Object> json = new LinkedHashMap<>();
+            json.put("id", id);
+            json.put("name", name);
+            json.put("glCode", glCode);
+            json.put("usage", usage == HEADER ? "HEADER" : "DETAIL");
+            json.put("balance", balance());
+            final List<Map<String, Object>> childJson = new ArrayList<>();
+            for (final Node child : children) {
+                childJson.add(child.toJson());
+            }
+            json.put("children", childJson);
+            return json;
+        }
+    }
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    public String retrieveBalanceSheet(@QueryParam("asOnDate") final String asOnDateParam,
+            @QueryParam("officeId") final Long officeId) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final LocalDate asOnDate = (asOnDateParam == null || asOnDateParam.isBlank()) ? DateUtils.getBusinessLocalDate()
+                : LocalDate.parse(asOnDateParam);
+
+        final Map<Long, Node> nodesById = new LinkedHashMap<>();
+        for (final Map<String, Object> row : this.jdbcTemplate.queryForList(
+                "SELECT id, name, gl_code, parent_id, account_usage, classification_enum FROM acc_gl_account "
+                        + "WHERE disabled = false ORDER BY gl_code")) {
+            final Node node = new Node();
+            node.id = ((Number) row.get("id")).longValue();
+            node.name = (String) row.get("name");
+            node.glCode = (String) row.get("gl_code");
+            node.parentId = row.get("parent_id") == null ? null : ((Number) row.get("parent_id")).longValue();
+            node.usage = ((Number) row.get("account_usage")).intValue();
+            node.classification = ((Number) row.get("classification_enum")).intValue();
+            nodesById.put(node.id, node);
+        }
+
+        // entry_date (not transaction_date) and "reversed = false" are this codebase's settled
+        // convention for reading balances off the ledger - ProfitAndLossApiResource, the dividend
+        // reports and IncomeProfitTransferService all cut the same way, so this report agrees with
+        // them rather than quietly producing a second set of numbers.
+        //
+        // The reversal_id exclusion covers a case that plain "reversed = false" gets wrong. This
+        // codebase reverses in two different ways: the clerk/sponsor-DD undo paths just flip the
+        // flag on the original leg (no counter entry - excluding it is exactly right), while
+        // Fineract's own revertJournalEntry additionally posts an opposite-sign counter entry and
+        // links it back through reversal_id. For that second kind, dropping only the original would
+        // leave its counter entry standing alone and swing the balance by the full amount in the
+        // wrong direction, so the counter entry has to go too.
+        final Map<Long, BigDecimal[]> balances = new LinkedHashMap<>();
+        final String balanceSql = "SELECT account_id, "
+                + "COALESCE(SUM(CASE WHEN type_enum = 2 THEN amount ELSE 0 END), 0) AS total_debit, "
+                + "COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE 0 END), 0) AS total_credit "
+                + "FROM acc_gl_journal_entry WHERE entry_date <= ? "
+                + "AND (reversed IS NULL OR reversed = false) "
+                + "AND id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)"
+                + (officeId != null ? " AND office_id = ?" : "") + " GROUP BY account_id";
+        final List<Map<String, Object>> balanceRows = officeId != null
+                ? this.jdbcTemplate.queryForList(balanceSql, java.sql.Date.valueOf(asOnDate), officeId)
+                : this.jdbcTemplate.queryForList(balanceSql, java.sql.Date.valueOf(asOnDate));
+        for (final Map<String, Object> row : balanceRows) {
+            balances.put(((Number) row.get("account_id")).longValue(),
+                    new BigDecimal[] { (BigDecimal) row.get("total_debit"), (BigDecimal) row.get("total_credit") });
+        }
+
+        for (final Node node : nodesById.values()) {
+            if (node.usage != DETAIL) {
+                continue;
+            }
+            final BigDecimal[] debitCredit = balances.get(node.id);
+            if (debitCredit == null) {
+                continue;
+            }
+            final boolean debitNatured = node.classification == ASSET || node.classification == EXPENSE;
+            node.ownBalance = debitNatured ? debitCredit[0].subtract(debitCredit[1]) : debitCredit[1].subtract(debitCredit[0]);
+        }
+
+        final List<Node> roots = new ArrayList<>();
+        for (final Node node : nodesById.values()) {
+            if (node.parentId == null) {
+                roots.add(node);
+            } else {
+                final Node parent = nodesById.get(node.parentId);
+                if (parent != null) {
+                    parent.children.add(node);
+                } else {
+                    // Parent was disabled (filtered out above) - surface this node at the top level
+                    // rather than silently losing its balance from the report.
+                    roots.add(node);
+                }
+            }
+        }
+
+        final Map<String, Object> debitSide = buildSide("ASSETS", roots, ASSET, EXPENSE);
+        final Map<String, Object> creditSide = buildSide("LIABILITIES", roots, LIABILITY, EQUITY, INCOME);
+
+        final Map<String, Object> response = new LinkedHashMap<>();
+        response.put("asOnDate", asOnDate.toString());
+        response.put("officeId", officeId);
+        response.put("debitSide", debitSide);
+        response.put("creditSide", creditSide);
+        return this.gson.toJson(response);
+    }
+
+    private Map<String, Object> buildSide(final String label, final List<Node> roots, final int... classifications) {
+        final List<Map<String, Object>> groups = new ArrayList<>();
+        BigDecimal sideTotal = BigDecimal.ZERO;
+        for (final int classification : classifications) {
+            final List<Map<String, Object>> nodeJsons = new ArrayList<>();
+            BigDecimal groupTotal = BigDecimal.ZERO;
+            for (final Node root : roots) {
+                if (root.classification != classification) {
+                    continue;
+                }
+                nodeJsons.add(root.toJson());
+                groupTotal = groupTotal.add(root.balance());
+            }
+            if (!nodeJsons.isEmpty()) {
+                final Map<String, Object> group = new LinkedHashMap<>();
+                group.put("classification", classificationLabel(classification));
+                group.put("total", groupTotal);
+                group.put("nodes", nodeJsons);
+                groups.add(group);
+                sideTotal = sideTotal.add(groupTotal);
+            }
+        }
+        final Map<String, Object> side = new LinkedHashMap<>();
+        side.put("label", label);
+        side.put("total", sideTotal);
+        side.put("groups", groups);
+        return side;
+    }
+
+    private String classificationLabel(final int classification) {
+        return switch (classification) {
+            case ASSET -> "ASSET";
+            case LIABILITY -> "LIABILITY";
+            case EQUITY -> "EQUITY";
+            case INCOME -> "INCOME";
+            case EXPENSE -> "EXPENSE";
+            default -> "OTHER";
+        };
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/common/DividendGlAccountResolver.java

@@ -0,0 +1,112 @@
+/**
+ * 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.common;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.common.AccountingConstants.FinancialActivity;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+
+/**
+ * Resolves the GL accounts the dividend lifecycle posts to, from the Financial Activity Mappings an administrator
+ * configures.
+ *
+ * <p>
+ * These accounts used to be found by hardcoded GL code - {@code BANKPROFITND01} and {@code BANKPROFIT01} - spread
+ * across five classes. A society whose chart of accounts did not happen to use those exact codes got no dividend
+ * journal entries at all, and nothing said so: every call site checked for null and returned quietly. Reading them from
+ * the mapping table instead lets each society name its own accounts, and keeps the whole lifecycle answerable from one
+ * screen.
+ *
+ * <p>
+ * Resolution is mapping-only, with no fallback to the old codes: a society that has not mapped an account has not made
+ * the decision yet, and quietly posting to an account it never chose is worse than refusing. Every method here throws
+ * rather than returning null, so a missing mapping surfaces at the point of posting with the name of the activity to
+ * configure, instead of leaving a declaration that appears to have worked but moved nothing.
+ */
+@Service
+@RequiredArgsConstructor
+public class DividendGlAccountResolver {
+
+    private final JdbcTemplate jdbcTemplate;
+
+    /** The year's closed-out profit a dividend is declared against. */
+    public Long distributableProfitAccount() {
+        return requireMapped(FinancialActivity.DISTRIBUTABLE_PROFIT);
+    }
+
+    /** Where profit settles once it is no longer distributable: the undistributed remainder, rounding, forfeitures. */
+    public Long retainedProfitAccount() {
+        return requireMapped(FinancialActivity.RETAINED_PROFIT);
+    }
+
+    /** Equity the declared profit is set aside in, between declaration and board approval. */
+    public Long reserveForDividendAccount() {
+        return requireMapped(FinancialActivity.RESERVE_FOR_DIVIDEND);
+    }
+
+    /** The liability to members, created on approval and discharged as each member claims. */
+    public Long payableDividendsAccount() {
+        return requireMapped(FinancialActivity.PAYABLE_DIVIDENDS);
+    }
+
+    /**
+     * Where the paise a dividend cannot divide evenly are swept.
+     *
+     * Falls back to retained profit when unmapped, which is exactly where the residue went before this account existed
+     * - so a society that does not care to separate it keeps the behaviour it already had, and one that maps it gets
+     * the arithmetic artefact out of a figure it reads as a business result. This is a presentation choice rather than
+     * a decision the society has failed to make, which is why it resolves rather than throwing.
+     */
+    public Long dividendRoundOffAccount() {
+        final Long roundOff = mappedAccount(FinancialActivity.DIVIDEND_ROUND_OFF);
+        return roundOff != null ? roundOff : retainedProfitAccount();
+    }
+
+    /**
+     * Contra the claim is routed through, so claimed and unclaimed read as two balances rather than one net figure.
+     *
+     * Optional by design - a society that has not mapped it still gets a correct payout, posted straight from Dividend
+     * Payable, just without that separate measure. This is the one account here that may legitimately be absent, so it
+     * returns null instead of throwing.
+     */
+    public Long dividendPaidAccountOrNull() {
+        return mappedAccount(FinancialActivity.DIVIDEND_PAID);
+    }
+
+    /** The GL mapped to an activity, or null when the society has not configured it. */
+    public Long mappedAccount(final FinancialActivity activity) {
+        return this.jdbcTemplate
+                .queryForList("SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                        activity.getValue())
+                .stream().findFirst().orElse(null);
+    }
+
+    private Long requireMapped(final FinancialActivity activity) {
+        final Long glAccountId = mappedAccount(activity);
+        if (glAccountId == null) {
+            throw new GeneralPlatformDomainRuleException("error.msg.financial.activity.mapping." + activity.getCode() + ".not.configured",
+                    "No GL account is mapped to the '" + activity + "' financial activity. Map one under Accounting > Financial Activity "
+                            + "Mappings before running the dividend cycle.",
+                    activity.getValue());
+        }
+        return glAccountId;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/glaccount/validation/GLAccountTransactionGuard.java

@@ -0,0 +1,103 @@
+/**
+ * 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.glaccount.validation;
+
+import org.apache.fineract.accounting.glaccount.domain.GLAccountUsage;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.springframework.dao.EmptyResultDataAccessException;
+import org.springframework.jdbc.core.JdbcTemplate;
+
+/**
+ * A Header GL account (account_usage = HEADER) is a pure grouping node in the chart-of-accounts tree - it
+ * exists to organize Detail accounts underneath it, never to receive a transaction itself. The standard
+ * Fineract journal-entry command path (JournalEntryWritePlatformServiceJpaRepositoryImpl) never checked
+ * this - only "disabled" and "manual entries allowed" - and several features in this codebase post journal
+ * entries via direct JDBC INSERT into acc_gl_journal_entry, bypassing that command path entirely. This is
+ * the one shared check every such call site uses so a Header account can never end up with its own
+ * transaction (which would silently break every report that assumes a Header's balance is just the sum of
+ * its Detail children).
+ */
+public final class GLAccountTransactionGuard {
+
+    private GLAccountTransactionGuard() {}
+
+    public static void assertPostable(final JdbcTemplate jdbcTemplate, final Long glAccountId) {
+        if (glAccountId == null) {
+            return;
+        }
+        final Integer usage;
+        try {
+            usage = jdbcTemplate.queryForObject("SELECT account_usage FROM acc_gl_account WHERE id = ?", Integer.class, glAccountId);
+        } catch (final EmptyResultDataAccessException e) {
+            throw new PlatformDataIntegrityException("error.msg.glaccount.not.found",
+                    "GL account with id " + glAccountId + " does not exist.", "glAccountId", glAccountId);
+        }
+        if (GLAccountUsage.HEADER.getValue().equals(usage)) {
+            throw new PlatformDataIntegrityException("error.msg.glaccount.header.account.not.postable",
+                    "GL account " + glAccountId + " is a Header account (a chart-of-accounts grouping node) and cannot receive a "
+                            + "transaction directly. Select a Detail account instead.",
+                    "glAccountId", glAccountId);
+        }
+    }
+
+    /**
+     * Refuses to draw more out of a holding account than it holds.
+     *
+     * <p>
+     * A suspense or sundry account exists to hold money on its way somewhere else, so what is in it
+     * is the whole of what can come out. Drawing more leaves it with a negative balance, and a
+     * liability with a negative balance is not a small number - it says the bank owes less than
+     * nothing, which is not a state that exists. It also breaks the balance sheet by the overdraw,
+     * and the figure is small enough to sit unnoticed inside a head that totals positive.
+     *
+     * <p>
+     * Checked here rather than at each call site because the accounts this protects are reached by
+     * several features posting directly through JDBC, and a rule enforced in one of them is a rule
+     * the next one added will not have.
+     *
+     * @param glAccountId the account being drawn on.
+     * @param amount how much the caller wants to take out.
+     * @param what the account's role in the caller's own words, for the message a clerk reads.
+     */
+    public static void assertSufficientBalance(final JdbcTemplate jdbcTemplate, final Long glAccountId,
+            final java.math.BigDecimal amount, final String what) {
+        if (glAccountId == null || amount == null || amount.signum() <= 0) {
+            return;
+        }
+        // Credits less debits: these are liability-natured holding accounts, so the balance is what
+        // is still owed onward. Reversed entries and the entries they reverse both drop out - a
+        // reversal pair nets to nothing, and counting either side alone moves the balance by the
+        // whole amount.
+        final java.math.BigDecimal held = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE -amount END), 0)
+                  FROM acc_gl_journal_entry
+                 WHERE account_id = ?
+                   AND (reversed IS NULL OR reversed = false)
+                   AND id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)
+                """, java.math.BigDecimal.class, glAccountId);
+        final java.math.BigDecimal balance = held == null ? java.math.BigDecimal.ZERO : held;
+        if (balance.compareTo(amount) < 0) {
+            throw new PlatformDataIntegrityException("error.msg.glaccount.insufficient.balance",
+                    what + " holds " + balance + " but " + amount + " was asked of it. Drawing the "
+                            + "difference would leave the account with a negative balance, which a "
+                            + "holding account cannot have.",
+                    "glAccountId", glAccountId, amount);
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/AccrualBasedAccountingProcessorForSavings.java

@@ -173,12 +173,28 @@ public class AccrualBasedAccountingProcessorForSavings implements AccountingProc
             }
 
             else if (savingsTransactionDTO.getTransactionType().isInterestPosting()) {
-                // Post journal entry if earned interest amount is greater than
-                // zero
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
-                    this.helper.createCashBasedJournalEntriesAndReversalsForSavings(office, currencyCode,
-                            AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), AccrualAccountsForSavings.SAVINGS_CONTROL.getValue(),
-                            savingsProductId, paymentTypeId, savingsId, transactionId, transactionDate, amount, isReversal);
+                // A premature FD closure that reprices interest downward (see
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
+                // interest-posting transaction -- a clawback of interest already recognised in earlier
+                // periods, not "zero interest, nothing to post". Skipping it here (the original
+                // "amount > 0" guard) left the FD subledger showing the clawback while the GL never
+                // recorded it, silently going out of sync. Treating a negative amount as a mirror-image
+                // reversal -- positive magnitude, debit/credit legs swapped, same mechanism
+                // createInterestPostingJournalEntriesForSavings already uses for isReversal -- keeps the two
+                // in sync instead. See CashBasedAccountingProcessorForSavings for the same fix on the
+                // cash-based path.
+                final int amountSign = savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO);
+                if (amountSign != 0) {
+                    final boolean isClawback = amountSign < 0;
+                    final BigDecimal postingAmount = isClawback ? amount.abs() : amount;
+                    final boolean effectiveIsReversal = isReversal ^ isClawback;
+                    // Routed through the same helper the cash processor uses, so a posting states
+                    // the whole chain the product is configured for -- out of the payable, through
+                    // the interest-paid account, into the member's balance -- rather than the single
+                    // payable-to-control pair that used to be here, which skipped interest-paid
+                    // entirely and left the expense off the P&L.
+                    this.helper.createInterestPostingJournalEntriesForSavings(office, currencyCode, savingsProductId, paymentTypeId,
+                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal);
                 }
             }
 

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/CashBasedAccountingProcessorForSavings.java

@@ -167,15 +167,26 @@ public class CashBasedAccountingProcessorForSavings implements AccountingProcess
             }
 
             else if (savingsTransactionDTO.getTransactionType().isInterestPosting()) {
-                // Post journal entry if earned interest amount is greater than
-                // zero
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
+                // A premature FD closure that reprices interest downward (see
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
+                // interest-posting transaction -- a clawback of interest already recognised in earlier
+                // periods, not "zero interest, nothing to post". Skipping it here (the original
+                // "amount > 0" guard) left the FD subledger showing the clawback while the GL never
+                // recorded it, silently going out of sync. Treating a negative amount as a mirror-image
+                // reversal -- positive magnitude, debit/credit legs swapped, same mechanism
+                // createInterestPostingJournalEntriesForSavings already uses for isReversal -- keeps the two
+                // in sync instead.
+                final int amountSign = savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO);
+                if (amountSign != 0) {
+                    final boolean isClawback = amountSign < 0;
+                    final BigDecimal postingAmount = isClawback ? amount.abs() : amount;
+                    final boolean effectiveIsReversal = isReversal ^ isClawback;
                     // Routed through the payable and paid accounts the product names, so the society
                     // can read interest declared but not yet credited as its own balance. Collapses
                     // to the plain Dr Interest On Savings / Cr Savings Control pair for a product
                     // that names neither.
                     this.helper.createInterestPostingJournalEntriesForSavings(office, currencyCode, savingsProductId, paymentTypeId,
-                            savingsId, transactionId, transactionDate, amount, isReversal);
+                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal);
                 }
             }
 

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/JournalEntryReadPlatformServiceImpl.java

@@ -105,7 +105,23 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
                     .append(" journalEntry.currency_code as currencyCode, curr.name as currencyName, curr.internationalized_name_code as currencyNameCode, ")
                     .append(" curr.display_symbol as currencyDisplaySymbol, curr.decimal_places as currencyDigits, curr.currency_multiplesof as inMultiplesOf, ")
                     .append(" eao.external_id as externalAssetOwner, ")
+                    // entity_type_enum=6 (PortfolioProductType.CURRENT) unambiguously names a row in
+                    // m_current_account -- newer write paths tag current-account entries with it
+                    // instead of reusing SAVING's type, specifically so this case needs no guessing.
+                    //
+                    // entity_type_enum=2 (PortfolioProductType.SAVING) is still written for BOTH savings
+                    // and current-account entries by older write paths not yet updated to the above --
+                    // current products used to deliberately share SAVING's GL type space (see
+                    // PortfolioProductType.CURRENT's own comment) -- and m_savings_account/
+                    // m_current_account each have their own id sequence, so an entity_id can be a real
+                    // row in both, making a plain COALESCE(ca.account_no, sa.account_no) pick the current
+                    // account's number even for an entry that is genuinely a savings one.
+                    // savings_transaction_id is the one unambiguous signal available for those older
+                    // entries -- only a real savings transaction sets it -- so it decides first; only
+                    // when it's absent does the current-account guess apply.
                     .append(" CASE ")
+                    .append("   WHEN journalEntry.entity_type_enum = 6 THEN ca.account_no ")
+                    .append("   WHEN journalEntry.entity_type_enum = 2 AND journalEntry.savings_transaction_id IS NOT NULL THEN sa.account_no ")
                     .append("   WHEN journalEntry.entity_type_enum = 2 THEN COALESCE(ca.account_no, sa.account_no) ")
                     .append("   ELSE NULL ")
                     .append(" END as savingsAccountNo ");
@@ -130,7 +146,7 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
                     .append(" left join m_external_asset_owner_journal_entry_mapping eajem on eajem.journal_entry_id = journalEntry.id ")
                     .append(" left join m_external_asset_owner eao on eao.id = eajem.owner_id ")
                     .append(" left join m_savings_account sa on sa.id = journalEntry.entity_id AND journalEntry.entity_type_enum = 2 ")
-                    .append(" left join m_current_account ca on ca.id = journalEntry.entity_id AND journalEntry.entity_type_enum = 2 ");
+                    .append(" left join m_current_account ca on ca.id = journalEntry.entity_id AND journalEntry.entity_type_enum IN (2, 6) ");
             if (associationParametersData.isTransactionDetailsRequired()) {
                 sb.append(" left join m_loan_transaction as lt on journalEntry.loan_transaction_id = lt.id ")
                         .append(" left join m_savings_account_transaction as st on journalEntry.savings_transaction_id = st.id ")

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/JournalEntryWritePlatformServiceJpaRepositoryImpl.java

@@ -21,6 +21,7 @@ package org.apache.fineract.accounting.journalentry.service;
 import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.ArrayList;
+import java.util.Arrays;
 import java.util.Collection;
 import java.util.HashMap;
 import java.util.LinkedHashMap;
@@ -391,6 +392,9 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
         } else if (!creditOrDebitAccountHead.isManualEntriesAllowed()) {
             throw new JournalEntryInvalidException(GlJournalEntryInvalidReason.GL_ACCOUNT_MANUAL_ENTRIES_NOT_PERMITTED, null,
                     creditOrDebitAccountHead.getName(), creditOrDebitAccountHead.getGlCode());
+        } else if (creditOrDebitAccountHead.isHeaderAccount()) {
+            throw new JournalEntryInvalidException(GlJournalEntryInvalidReason.GL_ACCOUNT_IS_HEADER, null,
+                    creditOrDebitAccountHead.getName(), creditOrDebitAccountHead.getGlCode());
         }
     }
 
@@ -627,7 +631,12 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
         final boolean cashBasedAccountingEnabled = (Boolean) accountingBridgeData.get("cashBasedAccountingEnabled");
         final boolean accrualBasedAccountingEnabled = (Boolean) accountingBridgeData.get("accrualBasedAccountingEnabled");
 
-        if (cashBasedAccountingEnabled) {
+        // A register that knows the transaction's real counterparty posts the entry itself, in one
+        // balanced pair against that account, and says so by wrapping the command in
+        // ShareAccountingSuppression.withOwnShareEntries(). Posting here as well would add a second
+        // entry for the same money, booked against the product's fixed Shares Reference account --
+        // which is what that register is avoiding in the first place.
+        if (cashBasedAccountingEnabled && ShareAccountingSuppression.shouldPostShareEntries()) {
             final SharesDTO sharesDTO = this.helper.populateSharesDtoFromMap(accountingBridgeData, cashBasedAccountingEnabled,
                     accrualBasedAccountingEnabled);
             final AccountingProcessorForShares accountingProcessorForShares = this.accountingProcessorForSharesFactory
@@ -775,15 +784,30 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
             final String currencyCode = command.stringValueOfParameterNamed(JournalEntryJsonInputParams.CURRENCY_CODE.getValue());
 
             validateBusinessRulesForJournalEntries(journalEntryCommand);
+            validateNoDenominationManagedCashAccounts(journalEntryCommand);
 
             /**
              * revert old journal entries
+             *
+             * A transaction that carries a leg against the denomination-managed cash account (see
+             * validateNoDenominationManagedCashAccounts) is skipped here rather than reversed: it is
+             * tied to this same office+contra pairing (Migrate Cash Denomination posts its opening
+             * entry against this same Opening Balances Contra account), so the query above finds it
+             * too. Reversing it here, while the new submission is barred from ever re-posting a cash
+             * leg, would silently erase the cash account's opening balance every time an admin
+             * redefines opening balances for any OTHER account at this office.
              */
+            final List<Long> denominationManagedGlAccountIds = resolveDenominationManagedCashGlAccountIds();
             final List<String> transactionIdsToBeReversed = this.glJournalEntryRepository.findNonReversedContraTransactionIds(contraId,
                     officeId);
             for (String transactionId : transactionIdsToBeReversed) {
                 final List<JournalEntry> journalEntries = this.glJournalEntryRepository
                         .findUnReversedManualJournalEntriesByTransactionId(transactionId);
+                final boolean touchesDenominationManagedCashAccount = journalEntries.stream()
+                        .anyMatch(je -> je.getGlAccount() != null && denominationManagedGlAccountIds.contains(je.getGlAccount().getId()));
+                if (touchesDenominationManagedCashAccount) {
+                    continue;
+                }
                 revertJournalEntry(journalEntries, "defining opening balance");
             }
 
@@ -865,6 +889,55 @@ public class JournalEntryWritePlatformServiceJpaRepositoryImpl implements Journa
         }
     }
 
+    /**
+     * The GL account(s) Financial Activity 101 (Cash at Vault) / 102 (Cash at Teller) map to. Shared
+     * by the validation below and by defineOpeningBalance's own revert step, so both agree on exactly
+     * which account(s) Migrate Cash Denomination owns.
+     */
+    private List<Long> resolveDenominationManagedCashGlAccountIds() {
+        final List<Long> ids = new ArrayList<>();
+        for (final FinancialActivityAccount mapping : this.financialActivityAccountRepositoryWrapper.findAll()) {
+            final Integer type = mapping.getFinancialActivityType();
+            if ((type != null && (type == 101 || type == 102)) && mapping.getGlAccount() != null) {
+                ids.add(mapping.getGlAccount().getId());
+            }
+        }
+        return ids;
+    }
+
+    /**
+     * The GL account(s) mapped to Financial Activity 101 (Cash at Vault) / 102 (Cash at Teller) are
+     * managed exclusively through Migrate Cash Denomination (BranchDayRegisterApiResource#migrateCashDenomination),
+     * which keeps the GL figure tied to an actual counted note-and-coin breakdown, and validates any
+     * redefinition against that same count. Defining or redefining that account's opening balance here
+     * instead - as a bare number, with no denomination breakdown behind it - would let the GL figure
+     * drift away from what is physically in the till, with nothing left to catch the mismatch. So this
+     * command refuses to touch either of those accounts at all, on either side of the entry, rather than
+     * only when the amount would differ from what is already posted: the physical count is the only
+     * source of truth for this account, never a number typed into a generic opening-balance grid.
+     */
+    private void validateNoDenominationManagedCashAccounts(final JournalEntryCommand command) {
+        final List<Long> denominationManagedGlAccountIds = resolveDenominationManagedCashGlAccountIds();
+        if (denominationManagedGlAccountIds.isEmpty()) {
+            return;
+        }
+        final List<SingleDebitOrCreditEntryCommand> allEntries = new ArrayList<>();
+        if (command.getDebits() != null) {
+            allEntries.addAll(Arrays.asList(command.getDebits()));
+        }
+        if (command.getCredits() != null) {
+            allEntries.addAll(Arrays.asList(command.getCredits()));
+        }
+        for (final SingleDebitOrCreditEntryCommand entry : allEntries) {
+            if (denominationManagedGlAccountIds.contains(entry.getGlAccountId())) {
+                throw new GeneralPlatformDomainRuleException("error.msg.journalentry.opening.balance.cash.account.locked",
+                        "This account is the tenant's Cash at Vault / Cash at Teller account and is managed through "
+                                + "Migrate Cash Denomination - it cannot be set or changed from Migrate Opening Balances.",
+                        entry.getGlAccountId());
+            }
+        }
+    }
+
     @Override
     public void createJournalEntriesForClientTransactions(Map<String, Object> accountingBridgeData) {
         final ClientTransactionDTO clientTransactionDTO = this.helper.populateClientTransactionDtoFromMap(accountingBridgeData);

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/LedgerTransactionId.java

@@ -0,0 +1,157 @@
+/**
+ * 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.journalentry.service;
+
+import java.sql.Date;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.springframework.jdbc.core.JdbcTemplate;
+
+/**
+ * Mints the transaction id that ties the rows of one posting together in acc_gl_journal_entry.
+ *
+ * <p>
+ * Every feature here that posts a journal entry by direct JDBC used to invent this id by hand, and the two
+ * shapes that emerged were each wrong in their own way. Some concatenated a business row's own primary key
+ * ({@code "DIVROUND" + dividendPayOutId}); a primary key is only unique while its sequence keeps climbing,
+ * so a reset hands the same number out twice - which is exactly how two unrelated share withdrawals came to
+ * share one transaction id and render as a single doubled voucher. Others concatenated
+ * {@code System.nanoTime()}, which is unique but says nothing to whoever reads it off a screen
+ * ({@code "CASHMIG-1-20260913-923935527932300"}).
+ *
+ * <p>
+ * This generator replaces both with one readable shape, {@code PREFIX-YYMMDD-NNNN}:
+ *
+ * <pre>
+ *   SHWGL-260916-0001   the first share-withdrawal GL settlement posted on 16 Sep 2026
+ *   DIVRND-260916-0007  the seventh dividend rounding posted that day
+ * </pre>
+ *
+ * The prefix names the event, the date is the tenant's business date, and the serial restarts at 0001 each
+ * day. That makes a transaction id self-describing: a reader can tell what it was and when it happened
+ * without looking anything up.
+ *
+ * <p>
+ * Uniqueness does not depend on any business table. The serial comes from {@code m_ledger_txn_sequence}, a
+ * counter that belongs to no entity, so no entity's sequence can make it repeat. The counter is bumped by a
+ * single {@code INSERT ... ON CONFLICT DO UPDATE}, which takes and releases the row lock atomically, so two
+ * users posting at the same instant are serialised by the database rather than handed the same number - the
+ * same mechanism {@code m_voucher_sequence} already uses for voucher numbers.
+ *
+ * <p>
+ * The counter alone would still repeat if that table were ever truncated or rewound by hand, which is
+ * precisely the accident being defended against, so the minted id is also checked against the ledger before
+ * being handed back and the counter is advanced past anything already in use. That makes a duplicate
+ * impossible by construction rather than by convention: the id is only returned once no row holds it.
+ *
+ * <p>
+ * Ids already in the ledger keep their old shape. Nothing reconstructs a custom id to find its rows again
+ * (every call site mints one, posts with it, and never derives it a second time), so old and new shapes
+ * coexist without anything needing to read both.
+ *
+ * <p>
+ * Postings made by Fineract's own command path are not covered here and keep their native
+ * {@code "S"/"L"/"SH"/"C" + transaction id} form, which {@code AccountingProcessorHelper} derives and
+ * several readers reconstruct. Those readers are hardened at the query instead, by resolving to the most
+ * recently posted rows rather than assuming the text is unique.
+ */
+public final class LedgerTransactionId {
+
+    /** Guards against an impossible-in-practice runaway if the ledger and the counter disagree. */
+    private static final int MAX_PROBES = 50;
+
+    private static final DateTimeFormatter YYMMDD = DateTimeFormatter.ofPattern("yyMMdd");
+
+    private LedgerTransactionId() {}
+
+    /**
+     * Returns the next transaction id for this kind of posting, e.g. {@code SHWGL-260916-0001}.
+     *
+     * @param prefix
+     *            short uppercase code naming the event, from {@link LedgerTxnPrefix}
+     */
+    public static String next(final JdbcTemplate jdbcTemplate, final String prefix) {
+        // Tenant timezone, not the server's - the day the counter resets on has to be the branch's
+        // business day, otherwise a late-evening posting lands in the wrong series.
+        final LocalDate today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+        final String datePart = today.format(YYMMDD);
+
+        for (int probe = 0; probe < MAX_PROBES; probe++) {
+            final int serial = nextSerial(jdbcTemplate, prefix, today);
+            final String candidate = String.format("%s-%s-%04d", prefix, datePart, serial);
+            if (!isTaken(jdbcTemplate, candidate)) {
+                return candidate;
+            }
+            // Only reachable if the counter was rewound behind the ledger by hand. Bumping again walks
+            // it forward until it clears whatever is already posted, which self-heals the counter.
+        }
+        throw new IllegalStateException("Could not mint a free ledger transaction id for prefix " + prefix + " after " + MAX_PROBES
+                + " attempts. The m_ledger_txn_sequence counter for this prefix is far behind the entries already posted today.");
+    }
+
+    /**
+     * Returns the id for a posting that has to be reproducible, e.g. {@code SAVINT-260916-P0002}.
+     *
+     * <p>
+     * Some postings are not one-shot: a pooled interest run pays hundreds of members, and a run that
+     * stops halfway is resumed rather than restarted. Those resumed legs belong to the posting that
+     * started them, so the id has to come out the same on the second pass - a counter would hand the
+     * remainder a different id and split one posting across two transactions. This builds the id from
+     * what identifies the run instead: the same prefix, date and discriminator always produce the same
+     * string, and no counter is consumed.
+     *
+     * <p>
+     * Uniqueness rests on the caller's own discriminator being unique for that prefix and date (the
+     * product being posted, say), which is what makes the id reproducible in the first place. Use
+     * {@link #next} for everything else - a posting that happens once wants a counter, not a formula.
+     * The {@code P} marks the tail as a discriminator so it is not misread as a serial.
+     *
+     * @param date
+     *            the date the posting belongs to, which is not always today - interest can be posted
+     *            for an earlier day
+     * @param discriminator
+     *            what makes this run distinct from another on the same date, e.g. the product id
+     */
+    public static String forDatedSeries(final String prefix, final LocalDate date, final long discriminator) {
+        return String.format("%s-%s-P%04d", prefix, date.format(YYMMDD), discriminator);
+    }
+
+    /**
+     * Reserves the next counter value for one (prefix, day) series.
+     *
+     * The INSERT ... ON CONFLICT DO UPDATE both creates the series on its first use of the day and
+     * increments it thereafter. Being a single statement it is atomic, so no explicit lock is needed.
+     */
+    private static int nextSerial(final JdbcTemplate jdbcTemplate, final String prefix, final LocalDate day) {
+        return jdbcTemplate.queryForObject("""
+                INSERT INTO m_ledger_txn_sequence (prefix, series_date, last_number)
+                VALUES (?,?,1)
+                ON CONFLICT (prefix, series_date)
+                DO UPDATE SET last_number = m_ledger_txn_sequence.last_number + 1
+                RETURNING last_number
+                """, Integer.class, prefix, Date.valueOf(day));
+    }
+
+    private static boolean isTaken(final JdbcTemplate jdbcTemplate, final String transactionId) {
+        final Boolean taken = jdbcTemplate.queryForObject("SELECT EXISTS (SELECT 1 FROM acc_gl_journal_entry WHERE transaction_id = ?)",
+                Boolean.class, transactionId);
+        return Boolean.TRUE.equals(taken);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/LedgerTxnPrefix.java

@@ -0,0 +1,87 @@
+/**
+ * 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.journalentry.service;
+
+/**
+ * The event codes that open a transaction id minted by {@link LedgerTransactionId}.
+ *
+ * <p>
+ * They live together in one place so a reader can decode any transaction id on a screen from a single list,
+ * and so no two features can drift into naming the same event differently - which had already happened:
+ * dividend forfeiture was posting under {@code DIVFORF} from one service and {@code DIVFORFEIT} from
+ * another, for the same event.
+ *
+ * <p>
+ * Codes are uppercase, up to eight characters, and grouped by the module that raises them. A code is part of
+ * the audit trail once it has been posted, so treat these as append-only: add a new one for a new event
+ * rather than renaming an existing one, which would leave already-posted entries speaking a language nothing
+ * else uses any more.
+ */
+public final class LedgerTxnPrefix {
+
+    private LedgerTxnPrefix() {}
+
+    // A clerk's share withdrawal has no code here on purpose: it posts under the transaction id the
+    // native redeem command already minted ("SH" + share transaction id), because its debit leg is
+    // that command's own and the two have to group as one balanced entry.
+
+    // ── Share tranche funding ─────────────────────────────────────────────────
+    /** Additional share tranche: reversal of the stock reference posting. */
+    public static final String SHARE_TRANCHE_REFERENCE = "SHTREF";
+    /** Additional share tranche funded from the member's savings account. */
+    public static final String SHARE_TRANCHE_SAVINGS = "SHTSAV";
+
+    // ── Share collection and advances ─────────────────────────────────────────
+    /** Share application money collected. */
+    public static final String SHARE_COLLECTION = "SHCOL";
+    /** Share advance collected against a future allotment. */
+    public static final String SHARE_ADVANCE = "SHADV";
+    /** Share advance applied to an allotment. */
+    public static final String SHARE_ADVANCE_APPLIED = "SHAPP";
+
+    // ── Dividend ──────────────────────────────────────────────────────────────
+    /** Dividend claim paid out to a member. */
+    public static final String DIVIDEND_CLAIM = "DIVCLM";
+    /** Dividend declaration posted. */
+    public static final String DIVIDEND_DECLARED = "DIVDCL";
+    /** Dividend declaration approved. */
+    public static final String DIVIDEND_APPROVED = "DIVAPR";
+    /** Dividend payout closed off. */
+    public static final String DIVIDEND_CLOSED = "DIVCLS";
+    /** Rounding difference on a dividend payout. */
+    public static final String DIVIDEND_ROUNDING = "DIVRND";
+    /** Unclaimed dividend forfeited. */
+    public static final String DIVIDEND_FORFEIT = "DIVFRF";
+
+    // ── Branch day and cash ───────────────────────────────────────────────────
+    /** Opening cash migrated into the branch day register. */
+    public static final String CASH_MIGRATION = "CSHMIG";
+    /** Rounding difference on a clerk's day closure. */
+    public static final String CLOSURE_ROUNDING = "CLSRND";
+
+    // ── Year end ──────────────────────────────────────────────────────────────
+    /** Year-end transfer of income into the profit account. */
+    public static final String YEAR_END_PROFIT = "YEPFT";
+    /** Year-end closure of an income or expense account. */
+    public static final String YEAR_END_CLOSE = "YECLS";
+
+    // ── Savings ───────────────────────────────────────────────────────────────
+    /** Pooled savings interest posting for one product and date. */
+    public static final String SAVINGS_INTEREST_POOLED = "SAVINT";
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/journalentry/service/ShareAccountingSuppression.java

@@ -0,0 +1,83 @@
+/**
+ * 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.journalentry.service;
+
+import java.util.function.Supplier;
+
+/**
+ * Lets a register that posts a share transaction's accounting itself tell the platform not to post its
+ * own.
+ *
+ * <h3>Why this exists</h3>
+ *
+ * <p>
+ * Fineract books every share transaction against a fixed "Shares Reference" account taken from the
+ * product's GL mapping: a redemption posts Dr Shares Equity / Cr Shares Reference, whatever the money
+ * actually did. That account is a placeholder for a counterparty the platform does not know, and in a
+ * real core banking ledger there is no such thing — a redemption paid in cash credits the cash
+ * account, and one settled by transfer credits the account it was transferred to. Naming a single
+ * asset account for both leaves every redemption sitting against a GL the money never touched, which
+ * then has to be corrected by hand.
+ *
+ * <p>
+ * The governed clerk registers already know the real counterparty, because the clerk keyed it: the
+ * linked savings account, or the GL picked on the transfer's credit row. They post the redemption
+ * themselves, correctly, in one balanced entry. Before this flag existed they had to let the platform
+ * post its version first and then reverse the half that was wrong, which left a dead Cr Shares
+ * Reference row behind on every redemption and made the ledger read as though cash had moved.
+ *
+ * <h3>Why a flag and not the product's accounting rule</h3>
+ *
+ * <p>
+ * Turning the share product's accounting off entirely ({@code m_share_product.accounting_type = NONE})
+ * would silence the platform everywhere, including the share account screen's own Redeem action, which
+ * no register covers — those redemptions would post nothing at all and go unnoticed, because that
+ * branch fails silently by design. Scoping the suppression to the one call that is about to post its
+ * own entry leaves every other path exactly as it is.
+ *
+ * <p>
+ * A ThreadLocal rather than a request attribute, and restoring the previous value rather than clearing
+ * it, for the same reasons as {@code VoucherService.withOwnVoucher} — a batch job has no request to
+ * hang the flag on, and nesting must not switch the suppression off early for an outer caller.
+ */
+public final class ShareAccountingSuppression {
+
+    private static final ThreadLocal<Boolean> CALLER_POSTS_SHARE_ENTRIES = ThreadLocal.withInitial(() -> Boolean.FALSE);
+
+    private ShareAccountingSuppression() {}
+
+    /**
+     * Runs {@code command} with the platform's own share journal entries suppressed, for a caller that
+     * posts the transaction's accounting itself.
+     */
+    public static <T> T withOwnShareEntries(final Supplier<T> command) {
+        final boolean previous = CALLER_POSTS_SHARE_ENTRIES.get();
+        CALLER_POSTS_SHARE_ENTRIES.set(Boolean.TRUE);
+        try {
+            return command.get();
+        } finally {
+            CALLER_POSTS_SHARE_ENTRIES.set(previous);
+        }
+    }
+
+    /** False only while a caller inside {@link #withOwnShareEntries} is posting its own entries. */
+    public static boolean shouldPostShareEntries() {
+        return !CALLER_POSTS_SHARE_ENTRIES.get();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/productaccountmapping/service/ProductToGLAccountMappingWritePlatformServiceImpl.java

@@ -329,6 +329,18 @@ public class ProductToGLAccountMappingWritePlatformServiceImpl implements Produc
             break;
             case CASH_BASED:
                 saveSavingsBaseAccountMapping(savingProductId, accountType, command, element);
+                // Interest Payable is saved on cash too, and optionally: interest posting routes
+                // through it on either basis (see AccountingProcessorHelper
+                // .createInterestPostingJournalEntriesForSavings), so that interest declared but not
+                // yet credited to the member reads as the bank's own liability rather than appearing
+                // only at the moment it is paid. Mapped only when the screen supplies it - a product
+                // naming none still posts straight to Savings Control, as it always did.
+                if (this.fromApiJsonHelper.parameterExists(SavingProductAccountingParams.INTEREST_PAYABLE.getValue(),
+                        element)) {
+                    this.savingsProductToGLAccountMappingHelper.saveSavingsToLiabilityAccountMapping(element,
+                            SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), savingProductId,
+                            AccrualAccountsForSavings.INTEREST_PAYABLE.getValue());
+                }
             break;
 
             case ACCRUAL_PERIODIC:

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

@@ -37,6 +37,7 @@ import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.common.DividendGlAccountResolver;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Component;
 
@@ -60,13 +61,12 @@ import org.springframework.stereotype.Component;
 public class DistributableProfitApiResource {
 
     /**
-     * The year's closed-out profit, which is what a dividend may be declared against; kept in step with
-     * IncomeProfitTransferService.PROFIT_GL_CODE.
+     * The year's closed-out profit, which is what a dividend may be declared against.
      *
-     * Deliberately not plain Bank Profit — that holds what earlier declarations left behind, and reading it here would
+     * Deliberately not Retained Profit — that holds what earlier declarations left behind, and reading it here would
      * offer profit already distributed once for distribution again.
      */
-    private static final String PROFIT_GL_CODE = "BANKPROFITND01";
+    private final DividendGlAccountResolver dividendGlAccounts;
 
     private static final String CONFIG_MAXIMUM_RATE = "dividend-maximum-rate-percentage";
 
@@ -162,9 +162,9 @@ public class DistributableProfitApiResource {
         final BigDecimal balance = jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(CASE WHEN je.type_enum = 1 THEN je.amount ELSE -je.amount END), 0)
                 FROM acc_gl_journal_entry je
-                JOIN acc_gl_account a ON a.id = je.account_id
-                WHERE a.gl_code = ? AND je.reversed = false AND je.entry_date BETWEEN ? AND ?
-                """, BigDecimal.class, PROFIT_GL_CODE, java.sql.Date.valueOf(range[0]), java.sql.Date.valueOf(range[1]));
+                WHERE je.account_id = ? AND je.reversed = false AND je.entry_date BETWEEN ? AND ?
+                """, BigDecimal.class, dividendGlAccounts.distributableProfitAccount(), java.sql.Date.valueOf(range[0]),
+                java.sql.Date.valueOf(range[1]));
         return balance == null ? BigDecimal.ZERO : balance;
     }
 

fineract-provider/src/main/java/org/apache/fineract/accounting/yearend/api/IncomeProfitTransferApiResource.java

@@ -58,7 +58,7 @@ public class IncomeProfitTransferApiResource {
                 ? IncomeProfitTransferService.DEFAULT_INCOME_GL_CODE
                 : incomeGlCodeParam.trim();
         final Map<String, Object> incomeGl = service.loadGlByCode(incomeGlCode);
-        final Map<String, Object> profitGl = service.loadGlByCode(IncomeProfitTransferService.PROFIT_GL_CODE);
+        final Map<String, Object> profitGl = service.loadDistributableProfitGl();
 
         final String financialYear = financialYearParam == null || financialYearParam.isBlank() ? service.currentFinancialYear()
                 : financialYearParam.trim();

fineract-provider/src/main/java/org/apache/fineract/accounting/yearend/service/IncomeProfitTransferService.java

@@ -10,6 +10,10 @@ import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.accounting.common.DividendGlAccountResolver;
+import org.apache.fineract.accounting.glaccount.validation.GLAccountTransactionGuard;
+import org.apache.fineract.accounting.journalentry.service.LedgerTransactionId;
+import org.apache.fineract.accounting.journalentry.service.LedgerTxnPrefix;
 import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.springframework.dao.EmptyResultDataAccessException;
@@ -22,7 +26,7 @@ import org.springframework.transaction.annotation.Transactional;
  *
  * <pre>
  *   Dr  Share Entry Fee Income (10.4)   = balance for the year
- *   Cr  Bank Profit (BANKPROFIT01)
+ *   Cr  Distributable Profit            (the GL mapped to that financial activity)
  * </pre>
  *
  * Debiting the income account brings it back to nil so the new year starts clean; the credit accumulates in equity as
@@ -42,22 +46,23 @@ public class IncomeProfitTransferService {
     private static final int DEBIT = 2;
     private static final int CREDIT = 1;
 
-    /** Equity GL that accumulates profit. */
-    /**
-     * The year's profit is closed into the Non-Distributable account, not plain Bank Profit.
-     *
-     * A dividend is declared against this balance; whatever the members do not receive moves across to Bank Profit once
-     * the declaration is approved. Closing into Bank Profit directly would mix the year just ended with earlier years'
-     * leftovers, and the next declaration would be sized on profit that had already been through a distribution
-     * decision — offering the same money for distribution twice.
-     */
-    public static final String PROFIT_GL_CODE = "BANKPROFITND01";
-
     /** Income GL closed to profit by the year-end job — the share entry fee. */
     public static final String DEFAULT_INCOME_GL_CODE = "10.4";
 
     private final JdbcTemplate jdbcTemplate;
 
+    /**
+     * The year's profit is closed into the Distributable Profit account, not the Retained one.
+     *
+     * A dividend is declared against this balance; whatever the members do not receive moves across to Retained Profit
+     * once the declaration is approved. Closing into Retained directly would mix the year just ended with earlier
+     * years' leftovers, and the next declaration would be sized on profit that had already been through a distribution
+     * decision — offering the same money for distribution twice.
+     *
+     * Both accounts are configured on Financial Activity Mappings; this was the hardcoded GL code BANKPROFITND01.
+     */
+    private final DividendGlAccountResolver dividendGlAccounts;
+
     /**
      * Posts the year-end transfer. Returns a summary of what was posted, or a summary with {@code posted = false} when
      * there was nothing to do (already closed, or a nil balance) — those are normal outcomes for a scheduled run, not
@@ -72,7 +77,7 @@ public class IncomeProfitTransferService {
             final String note, final boolean strict) {
 
         final Map<String, Object> incomeGl = loadGlByCode(incomeGlCode);
-        final Map<String, Object> profitGl = loadGlByCode(PROFIT_GL_CODE);
+        final Map<String, Object> profitGl = loadDistributableProfitGl();
         final Long incomeGlId = toLong(incomeGl.get("id"));
         final Long profitGlId = toLong(profitGl.get("id"));
 
@@ -114,7 +119,7 @@ public class IncomeProfitTransferService {
         final String currencyCode = resolveCurrency(incomeGlId);
         final LocalDateTime now = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
         final LocalDate postingDate = range[1];
-        final String txnId = "YEPROFIT-" + System.nanoTime();
+        final String txnId = LedgerTransactionId.next(this.jdbcTemplate, LedgerTxnPrefix.YEAR_END_PROFIT);
         final String desc = "Year-end closing " + financialYear + " — " + incomeGl.get("name") + " to profit"
                 + (note != null ? " | " + note : "");
 
@@ -165,7 +170,7 @@ public class IncomeProfitTransferService {
     public Map<String, Object> closeAllToProfit(final String financialYear, final Long userId, final String userName, final String note,
             final boolean strict) {
 
-        final Map<String, Object> profitGl = loadGlByCode(PROFIT_GL_CODE);
+        final Map<String, Object> profitGl = loadDistributableProfitGl();
         final Long profitGlId = toLong(profitGl.get("id"));
         final LocalDate[] range = financialYearRange(financialYear);
         final Long officeId = headOfficeId();
@@ -207,7 +212,7 @@ public class IncomeProfitTransferService {
             final String currencyCode = resolveCurrency(glId);
             final LocalDateTime now = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
             final LocalDate postingDate = range[1];
-            final String txnId = "YECLOSE-" + financialYear + "-" + gl.get("gl_code") + "-" + System.nanoTime();
+            final String txnId = LedgerTransactionId.next(this.jdbcTemplate, LedgerTxnPrefix.YEAR_END_CLOSE);
             final String descr = "Year-end closing " + financialYear + " — " + gl.get("name") + " to profit"
                     + (note != null ? " | " + note : "");
 
@@ -283,7 +288,7 @@ public class IncomeProfitTransferService {
      */
     public BigDecimal profitForFinancialYear(final String financialYear) {
         final LocalDate[] range = financialYearRange(financialYear);
-        final Map<String, Object> profitGl = loadGlByCode(PROFIT_GL_CODE);
+        final Map<String, Object> profitGl = loadDistributableProfitGl();
         final BigDecimal balance = jdbcTemplate.queryForObject(
                 "SELECT COALESCE(SUM(CASE WHEN type_enum = ? THEN amount ELSE -amount END), 0) "
                         + " FROM acc_gl_journal_entry WHERE account_id = ? AND reversed = false AND entry_date BETWEEN ? AND ?",
@@ -342,6 +347,21 @@ public class IncomeProfitTransferService {
         }
     }
 
+    /** As {@link #loadGlByCode}, for an account already identified by a financial activity mapping. */
+    public Map<String, Object> loadGlById(final Long glAccountId) {
+        try {
+            return jdbcTemplate.queryForMap("SELECT id, gl_code, name, classification_enum FROM acc_gl_account WHERE id = ?", glAccountId);
+        } catch (EmptyResultDataAccessException e) {
+            throw new PlatformDataIntegrityException("error.msg.incomeprofit.gl.not.found",
+                    "GL account " + glAccountId + " does not exist.");
+        }
+    }
+
+    /** The distributable-profit GL the year's income closes into, as configured on Financial Activity Mappings. */
+    public Map<String, Object> loadDistributableProfitGl() {
+        return loadGlById(this.dividendGlAccounts.distributableProfitAccount());
+    }
+
     public Long headOfficeId() {
         return jdbcTemplate.queryForObject("SELECT id FROM m_office ORDER BY hierarchy LIMIT 1", Long.class);
     }
@@ -359,6 +379,7 @@ public class IncomeProfitTransferService {
 
     private void insertEntry(final Long officeId, final Long glAccountId, final int typeEnum, final BigDecimal amount, final String txnId,
             final LocalDate entryDate, final Long userId, final LocalDateTime now, final String currencyCode, final String description) {
+        GLAccountTransactionGuard.assertPostable(jdbcTemplate, glAccountId);
         jdbcTemplate.update(
                 "INSERT INTO acc_gl_journal_entry " + "(account_id, office_id, currency_code, transaction_id, reversed, manual_entry, "
                         + " entry_date, type_enum, amount, description, "

fineract-provider/src/main/java/org/apache/fineract/cob/api/LoanCOBCatchUpApiResource.java

@@ -35,6 +35,7 @@ import org.apache.fineract.cob.data.OldestCOBProcessedLoanDTO;
 import org.apache.fineract.cob.service.LoanCOBCatchUpService;
 import org.apache.fineract.infrastructure.core.exception.JobIsNotFoundOrNotEnabledException;
 import org.apache.fineract.infrastructure.jobs.service.JobName;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.springframework.stereotype.Component;
 
 @Path("/v1/loans")
@@ -44,6 +45,7 @@ import org.springframework.stereotype.Component;
 public class LoanCOBCatchUpApiResource {
 
     private final Optional<LoanCOBCatchUpService> loanCOBCatchUpServiceOp;
+    private final PlatformSecurityContext context;
 
     @GET
     @Path("oldest-cob-closed")
@@ -64,6 +66,7 @@ public class LoanCOBCatchUpApiResource {
     @ApiResponse(responseCode = "202", description = "Catch Up has been started")
     @ApiResponse(responseCode = "400", description = "Catch Up is already running")
     public Response executeLoanCOBCatchUp() {
+        this.context.authenticatedUser().validateHasPermissionTo("EXECUTE_LOANCOBCATCHUP");
         return loanCOBCatchUpServiceOp.map(loanCOBCatchUpService -> {
             if (loanCOBCatchUpService.isCatchUpRunning().isCatchUpRunning()) {
                 return Response.status(Response.Status.BAD_REQUEST).build();

fineract-provider/src/main/java/org/apache/fineract/infrastructure/core/config/SecurityConfig.java

@@ -33,6 +33,7 @@ import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDoma
 import org.apache.fineract.infrastructure.core.domain.FineractRequestContextHolder;
 import org.apache.fineract.infrastructure.core.filters.CallerIpTrackingFilter;
 import org.apache.fineract.infrastructure.core.filters.CorrelationHeaderFilter;
+import org.apache.fineract.infrastructure.core.filters.DisabledFeatureApiFilter;
 import org.apache.fineract.infrastructure.core.filters.IdempotencyStoreFilter;
 import org.apache.fineract.infrastructure.core.filters.IdempotencyStoreHelper;
 import org.apache.fineract.infrastructure.core.filters.RequestResponseFilter;
@@ -164,9 +165,11 @@ public class SecurityConfig {
                     // envelope's RSA signature/encryption (NpciCryptoUtil) inside the handler.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/npci/**")).permitAll()
                     // Client account summary, third-party callers — a partner integration calls this
-                    // with an X-Api-Key header instead of a Fineract username/password (issued via
-                    // POST /v1/apiclients, super-user only). Same posture as IMPS/NPCI above: the
-                    // outer gate stays open for this one narrow GET path, and
+                    // with an X-Api-Key header instead of a Fineract username/password. The key itself
+                    // is issued by inserting directly into m_api_client in the tenant-store database
+                    // (see ApiClientAdminApiResource — its POST /v1/apiclients is deliberately disabled,
+                    // since any bank's own super user reaching it could mint a platform-wide key). Same
+                    // posture as IMPS/NPCI above: the outer gate stays open for this one narrow GET path, and
                     // ClientAllAccountsApiResource#retrieveByClientNo is what actually authenticates
                     // the caller (ApiClientCredentialService checks the key's hash, active flag and
                     // IP allowlist) — a request with no key and no Fineract login still gets nothing,
@@ -221,7 +224,10 @@ public class SecurityConfig {
                     // currency
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/currencies"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_CURRENCY")
-                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/currencies"))
+                    // the actual currency-update endpoint is PUT (CurrenciesApiResource has no @POST method) -
+                    // this matcher previously targeted POST, which meant PUT fell through to the generic
+                    // fullyAuthenticated() catch-all with no permission check at all.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/currencies"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_CURRENCY")
                     // notes: read
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/clients/*/notes"))
@@ -354,11 +360,18 @@ public class SecurityConfig {
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/import/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_IMPORT")
                     // payment type
+                    // NOTE: POST previously required "UPDATE_PAYMENTTYPE" (wrong authority for create), with a
+                    // second, unreachable matcher for the same POST pattern requiring "DELETE_PAYMENTTYPE" - and
+                    // no PUT/DELETE matcher existed at all, so those requests fell through to the generic
+                    // fullyAuthenticated() catch-all below with no permission check. Corrected to one matcher
+                    // per method, each requiring its own correct permission code.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_PAYMENTTYPE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/paymenttypes"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_PAYMENTTYPE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_PAYMENTTYPE")
-                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/paymenttypes"))
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_PAYMENTTYPE")
                     // mix: taxonomy
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/mixtaxonomy/*"))
@@ -389,12 +402,41 @@ public class SecurityConfig {
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/mixreport/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_MIX_REPORT")
                     // working days
+                    // NOTE: previously "READ_WORKING_DAYS"/"UPDATE_WORKING_DAYS" (with an underscore between
+                    // WORKING and DAYS), which did not match the actual seeded permission codes
+                    // (READ_WORKINGDAYS / UPDATE_WORKINGDAYS) - corrected to the real codes.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/workingdays"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKINGDAYS")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/workingdays/template"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKINGDAYS")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/workingdays"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_WORKINGDAYS")
+                    // sponsor banks
+                    // NOTE: no matcher previously existed at all for this path - POST/PUT both fell
+                    // through to the generic fullyAuthenticated() catch-all below with no permission
+                    // check whatsoever.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/sponsorbanks"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_SPONSORBANK")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/sponsorbanks/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SPONSORBANK")
+                    // sponsor DD GST/GL settings
+                    // NOTE: no matcher previously existed at all for this path either. gl-mapping is a
+                    // genuine upsert (one call both creates and updates the single settings row), so it is
+                    // covered by one UPDATE_SPONSORDDGLMAPPING matcher rather than a separate CREATE one.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/sponsordd/gl-mapping"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SPONSORDDGLMAPPING")
+                    // bank profile (institution profile)
+                    // NOTE: no matcher previously existed at all for this path - the PUT relied solely on
+                    // the in-resource validateHasPermissionTo() check, which this change replaces with the
+                    // command-source pipeline. Added here for the same defense-in-depth already applied to
+                    // Currency/Payment Type/Working Days.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/institutionprofile"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_INSTITUTIONPROFILE")
+                    // branch profile
+                    // NOTE: no matcher previously existed at all for this path either, same rationale as
+                    // institution profile above.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/branchprofile/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_BRANCHPROFILE")
 
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/twofactor/validate")).fullyAuthenticated()
                     .requestMatchers(API_MATCHER.matcher("/api/*/twofactor")).fullyAuthenticated()
@@ -426,7 +468,10 @@ public class SecurityConfig {
                 .addFilterBefore(tenantAwareBasicAuthenticationFilter(), SecurityContextHolderFilter.class)
                 .addFilterAfter(requestResponseFilter(), ExceptionTranslationFilter.class)
                 .addFilterAfter(correlationHeaderFilter(), RequestResponseFilter.class)
-                .addFilterAfter(fineractInstanceModeApiFilter(), CorrelationHeaderFilter.class);
+                .addFilterAfter(fineractInstanceModeApiFilter(), CorrelationHeaderFilter.class)
+                // Refuses the handful of accounting features switched off for this installation.
+                // Nothing is deleted - see DisabledFeatureApiFilter for what is blocked and why.
+                .addFilterAfter(disabledFeatureApiFilter(), FineractInstanceModeApiFilter.class);
 
         if (loanCOBFilterHelper != null) {
             http.addFilterAfter(loanCOBApiFilter(), FineractInstanceModeApiFilter.class).addFilterAfter(idempotencyStoreFilter(),
@@ -463,6 +508,10 @@ public class SecurityConfig {
         return new RequestResponseFilter();
     }
 
+    public DisabledFeatureApiFilter disabledFeatureApiFilter() {
+        return new DisabledFeatureApiFilter();
+    }
+
     public LoanCOBApiFilter loanCOBApiFilter() {
         return new LoanCOBApiFilter(loanCOBFilterHelper);
     }

fineract-provider/src/main/java/org/apache/fineract/infrastructure/core/filters/DisabledFeatureApiFilter.java

@@ -0,0 +1,128 @@
+/**
+ * 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.core.filters;
+
+import jakarta.servlet.FilterChain;
+import jakarta.servlet.ServletException;
+import jakarta.servlet.http.HttpServletRequest;
+import jakarta.servlet.http.HttpServletResponse;
+import java.io.IOException;
+import java.net.URLDecoder;
+import java.nio.charset.StandardCharsets;
+import java.util.List;
+import java.util.Set;
+import java.util.regex.Pattern;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.http.HttpStatus;
+import org.springframework.http.MediaType;
+import org.springframework.web.filter.OncePerRequestFilter;
+
+/**
+ * Turns off a handful of accounting features at the HTTP edge, without deleting any of the code
+ * behind them: the resources, services and command handlers all stay exactly as they are, and only
+ * an inbound API call is refused. Re-enabling a feature is deleting its rule from RULES below.
+ *
+ * Blocking here rather than inside the resources matters for one specific reason: several internal
+ * flows raise journal entries through CommandWrapperBuilder().createJournalEntry() in Java
+ * (ClerkDisbursementRequestApiResource's GL offsets, clerk closure rounding, bank transfers). Those
+ * never travel over HTTP, so they keep working, while the "Create Journal Entries" screen and any
+ * direct call to the endpoint are refused.
+ *
+ * A rule carries an optional set of allowed "command" query parameter values, because
+ * POST /v1/journalentries is three different features behind one path: no command is the manual
+ * journal entry screen (blocked), command=defineOpeningBalance is Migrate Opening Balances and
+ * command=updateRunningBalance is the running-balance maintenance job (both still needed).
+ */
+public class DisabledFeatureApiFilter extends OncePerRequestFilter {
+
+    private record Rule(String feature, Set<String> methods, Pattern path, Set<String> allowedCommands) {
+
+        boolean matches(final String method, final String pathInfo, final String command) {
+            if (!methods.isEmpty() && !methods.contains(method)) {
+                return false;
+            }
+            if (!path.matcher(pathInfo).matches()) {
+                return false;
+            }
+            // A command this rule explicitly spares (a different feature sharing the same path).
+            return !(command != null && allowedCommands.contains(command));
+        }
+    }
+
+    private static final List<Rule> RULES = List.of(
+            // Create Journal Entries, and Frequent Postings which posts through the same endpoint.
+            new Rule("Create Journal Entries", Set.of("POST"), Pattern.compile("/v[1-9][0-9]*/journalentries/?"),
+                    Set.of("defineOpeningBalance", "updateRunningBalance")),
+            // Closing Entries.
+            new Rule("Closing Entries", Set.of(), Pattern.compile("/v[1-9][0-9]*/glclosures(/.*)?"), Set.of()),
+            // Accruals.
+            new Rule("Accruals", Set.of(), Pattern.compile("/v[1-9][0-9]*/runaccruals(/.*)?"), Set.of()),
+            // Provisioning Entries, including the journal entries screen that belongs to it.
+            new Rule("Provisioning Entries", Set.of(), Pattern.compile("/v[1-9][0-9]*/provisioningentries(/.*)?"), Set.of()),
+            new Rule("Provisioning Entries", Set.of(), Pattern.compile("/v[1-9][0-9]*/journalentries/provisioning/?"), Set.of()),
+            // Accounting Rules. Only the Accounting Rules screens and Frequent Postings (disabled
+            // above) read these, so nothing still reachable depends on them.
+            new Rule("Accounting Rules", Set.of(), Pattern.compile("/v[1-9][0-9]*/accountingrules(/.*)?"), Set.of()));
+
+    @Override
+    protected void doFilterInternal(final HttpServletRequest request, final HttpServletResponse response, final FilterChain filterChain)
+            throws ServletException, IOException {
+
+        final String pathInfo = request.getPathInfo();
+        if (StringUtils.isBlank(pathInfo)) {
+            filterChain.doFilter(request, response);
+            return;
+        }
+
+        final String method = request.getMethod();
+        // Read "command" out of the query string rather than through getParameter(): the latter
+        // triggers servlet parameter parsing, which for a form-encoded or multipart POST consumes
+        // the request body before the resource ever sees it. This filter sits in front of every
+        // API call, so it must not touch the body of requests it has no interest in.
+        final String command = commandFromQueryString(request.getQueryString());
+        for (final Rule rule : RULES) {
+            if (rule.matches(method, pathInfo, command)) {
+                reject(response, rule.feature());
+                return;
+            }
+        }
+        filterChain.doFilter(request, response);
+    }
+
+    private String commandFromQueryString(final String queryString) {
+        if (StringUtils.isBlank(queryString)) {
+            return null;
+        }
+        for (final String pair : queryString.split("&")) {
+            if (pair.startsWith("command=")) {
+                return URLDecoder.decode(pair.substring("command=".length()), StandardCharsets.UTF_8);
+            }
+        }
+        return null;
+    }
+
+    private void reject(final HttpServletResponse response, final String feature) throws IOException {
+        response.setStatus(HttpStatus.SC_FORBIDDEN);
+        response.setContentType(MediaType.APPLICATION_JSON_VALUE);
+        response.getWriter()
+                .write("{\"developerMessage\":\"" + feature + " is disabled on this installation.\","
+                        + "\"httpStatusCode\":\"403\",\"defaultUserMessage\":\"" + feature + " is not available.\","
+                        + "\"userMessageGlobalisationCode\":\"error.msg.feature.disabled\"}");
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/security/apiclient/ApiClientAdminApiResource.java

@@ -20,7 +20,6 @@ package org.apache.fineract.infrastructure.security.apiclient;
 
 import com.google.gson.Gson;
 import com.google.gson.GsonBuilder;
-import com.google.gson.JsonElement;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.DELETE;
@@ -35,17 +34,26 @@ 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.security.service.PlatformSecurityContext;
 import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.stereotype.Component;
 
 /**
  * Admin-only management of the third-party API keys {@link ApiClientCredentialService} authenticates.
- * This resource itself requires a normal Fineract login, same as everything else -- ordinary
- * username/password, restricted to a super user (ALL_FUNCTIONS). Only the endpoints that use a minted
- * key to skip login (e.g. GET /v1/clientaccounts) are the ones exempted in SecurityConfig; issuing that
- * key in the first place is not something to hand to just anyone.
+ * List/deactivate/reactivate still require a normal Fineract login restricted to a super user
+ * (ALL_FUNCTIONS) -- but minting a NEW key ({@link #create}) is disabled here entirely, on purpose.
+ *
+ * {@code ALL_FUNCTIONS} is a per-TENANT role grant -- and {@code TenantMenuAccessApiResource}'s whole
+ * point is that a bank's own super user (or a role simply misconfigured to carry ALL_FUNCTIONS, as the
+ * "Clerk" role was found to in two tenants this session) must never be able to lift its own menu-access
+ * ceiling. If this endpoint minted keys for any ALL_FUNCTIONS holder, that same bank super user could
+ * call {@code POST /v1/apiclients} and hand themselves a brand-new platform-operator credential -- one
+ * that authenticates against every tenant, not just their own -- completely bypassing the ceiling this
+ * key mechanism exists to enforce. A super user being able to read/deactivate the client list is fine
+ * (visibility and revocation are not privilege escalation); being able to mint a fresh one is exactly
+ * the escalation path being closed. New keys are issued the same way this fix issued the first one: a
+ * direct insert into {@code m_api_client} (see {@link ApiClientCredentialService#createClient}), by
+ * whoever already has direct database access -- never over HTTP.
  */
 @Path("/v1/apiclients")
 @Component
@@ -55,20 +63,18 @@ public class ApiClientAdminApiResource {
 
     private final PlatformSecurityContext context;
     private final ApiClientCredentialService credentialService;
-    private final FromJsonHelper fromJsonHelper;
     private final Gson gson = new GsonBuilder().serializeNulls().create();
 
+    /** Disabled -- see the class comment. Minting a key is a direct-database operation only. */
     @POST
     @Consumes(MediaType.APPLICATION_JSON)
     @Produces(MediaType.APPLICATION_JSON)
     public String create(final String body) {
-        final AppUser user = requireSuperUser();
-        final JsonElement root = fromJsonHelper.parse(body);
-        final String clientName = fromJsonHelper.extractStringNamed("clientName", root);
-        final String allowedIps = fromJsonHelper.extractStringNamed("allowedIps", root);
-
-        final Map<String, Object> result = credentialService.createClient(clientName, allowedIps, user.getId());
-        return gson.toJson(result);
+        requireSuperUser();
+        throw new WebApplicationException(Response.status(403)
+                .entity("{\"message\":\"Minting a new platform API key over HTTP is disabled. "
+                        + "Insert directly into m_api_client in the tenant-store database instead.\"}")
+                .type(MediaType.APPLICATION_JSON).build());
     }
 
     @GET

fineract-provider/src/main/java/org/apache/fineract/organisation/workingdays/api/WorkingDaysApiResource.java

@@ -27,15 +27,15 @@ import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.core.MediaType;
-import java.time.Instant;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
-import org.apache.fineract.organisation.workingdays.command.WorkingDaysUpdateCommand;
+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.DefaultToApiJsonSerializer;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysData;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequest;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequestValidator;
-import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateResponse;
 import org.apache.fineract.organisation.workingdays.service.WorkingDaysReadPlatformService;
 import org.springframework.stereotype.Component;
 
@@ -50,7 +50,8 @@ public class WorkingDaysApiResource {
 
     private final WorkingDaysReadPlatformService workingDaysReadPlatformService;
     private final WorkingDaysUpdateRequestValidator workingDaysUpdateRequestValidator;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final DefaultToApiJsonSerializer<WorkingDaysUpdateRequest> toApiJsonSerializer;
 
     @GET
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -65,17 +66,13 @@ public class WorkingDaysApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update a Working Day", description = "Mandatory Fields\n"
             + "recurrence,repaymentRescheduleType,extendTermForDailyRepayments,locale")
-    public WorkingDaysUpdateResponse update(@Valid WorkingDaysUpdateRequest request) {
+    public String update(@Valid final WorkingDaysUpdateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateWorkingDays()
+                .withJson(toApiJsonSerializer.serialize(request)).build();
 
-        final var command = new WorkingDaysUpdateCommand();
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        command.setCommandId(System.currentTimeMillis());
-        command.setCreatedAt(Instant.now());
-        command.setPayload(request);
-
-        final Supplier<WorkingDaysUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return toApiJsonSerializer.serialize(result);
     }
 
     @GET

fineract-provider/src/main/java/org/apache/fineract/organisation/workingdays/handler/UpdateWorkingDaysCommandHandler.java

@@ -18,38 +18,46 @@
  */
 package org.apache.fineract.organisation.workingdays.handler;
 
-import java.util.Collections;
 import java.util.Map;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequest;
-import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateResponse;
 import org.apache.fineract.organisation.workingdays.service.WorkingDaysWritePlatformService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class UpdateWorkingDaysCommandHandler implements CommandHandler<WorkingDaysUpdateRequest, WorkingDaysUpdateResponse> {
+@Service
+@CommandType(entity = "WORKINGDAYS", action = "UPDATE")
+public class UpdateWorkingDaysCommandHandler implements NewCommandSourceHandler {
 
     private final WorkingDaysWritePlatformService workingDaysWritePlatformService;
 
+    @Autowired
+    public UpdateWorkingDaysCommandHandler(final WorkingDaysWritePlatformService workingDaysWritePlatformService) {
+        this.workingDaysWritePlatformService = workingDaysWritePlatformService;
+    }
+
     @Transactional
     @Override
-    public WorkingDaysUpdateResponse handle(Command<WorkingDaysUpdateRequest> command) {
-        WorkingDaysUpdateRequest request = command.getPayload();
-        Map<String, Object> changes = this.workingDaysWritePlatformService.updateWorkingDays(request);
-        if (changes == null) {
-            changes = Collections.emptyMap();
-        }
+    public CommandProcessingResult processCommand(final JsonCommand command) {
 
-        return WorkingDaysUpdateResponse.builder().resourceId((Long) changes.get("resourceId")).changes(changes)
-                .recurrence(request.getRecurrence()).repaymentRescheduleType(request.getRepaymentRescheduleType())
-                .extendTermForDailyRepayments(request.getExtendTermForDailyRepayments())
-                .extendTermForRepaymentsOnHolidays(request.getExtendTermForRepaymentsOnHolidays()).build();
+        final WorkingDaysUpdateRequest request = WorkingDaysUpdateRequest.builder()
+                .recurrence(command.stringValueOfParameterNamed("recurrence"))
+                .repaymentRescheduleType(command.integerValueSansLocaleOfParameterNamed("repaymentRescheduleType"))
+                .extendTermForDailyRepayments(command.booleanObjectValueOfParameterNamed("extendTermForDailyRepayments"))
+                .extendTermForRepaymentsOnHolidays(command.booleanObjectValueOfParameterNamed("extendTermForRepaymentsOnHolidays"))
+                .build();
+
+        final Map<String, Object> changes = this.workingDaysWritePlatformService.updateWorkingDays(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .with(changes) //
+                .build();
     }
 
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/account/service/AccountBookDebitService.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.portfolio.account.service;
+
+import java.math.BigDecimal;
+import java.sql.PreparedStatement;
+import java.time.LocalDate;
+import java.time.OffsetDateTime;
+import java.util.List;
+import java.util.Map;
+import java.util.Objects;
+import java.util.UUID;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.jdbc.support.GeneratedKeyHolder;
+import org.springframework.jdbc.support.KeyHolder;
+import org.springframework.stereotype.Service;
+
+/**
+ * A book debit: money leaves a savings or current account by book entry, not as cash.
+ *
+ * <p>
+ * Posts NO journal entry. The caller posts the one entry that describes the real movement (a DD, a collection...).
+ * Debiting through a cash withdrawal instead made the withdrawal post its own Dr control / Cr Cash-at-Vault entry --
+ * cash that never moved -- which callers then hid by flagging it reversed, leaving an entry in the ledger that no
+ * report shows.
+ *
+ * <p>
+ * It keeps the rules a withdrawal applies: the account must be active, the amount must fit in the available balance
+ * (balance less funds on hold), and a dormant account or a lapsed re-KYC stops the debit. Joins the caller's
+ * transaction, so a later failure rolls the debit back with everything else.
+ */
+@Service
+@RequiredArgsConstructor
+public class AccountBookDebitService {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final KycRestrictionGuard kycRestrictionGuard;
+
+    /** Debits a savings account; returns the m_savings_account_transaction id. */
+    public long debitSavings(final Long accountId, final BigDecimal amount, final Long officeId, final LocalDate txnDate,
+            final Long userId) {
+        final BigDecimal balance = checkedBalance("m_savings_account", "Savings", accountId, amount);
+        kycRestrictionGuard.check(accountId, KycRestrictionGuard.Operation.DEBIT);
+
+        final java.sql.Date sqlDate = java.sql.Date.valueOf(txnDate);
+        final OffsetDateTime now = OffsetDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        final KeyHolder kh = new GeneratedKeyHolder();
+        jdbcTemplate.update(con -> {
+            final PreparedStatement ps = con.prepareStatement("INSERT INTO m_savings_account_transaction "
+                    + "(savings_account_id, office_id, payment_detail_id, transaction_type_enum, is_reversed, transaction_date, amount, "
+                    + "submitted_on_date, ref_no, running_balance_derived, is_lien_transaction, created_by, last_modified_by, "
+                    + "created_on_utc, last_modified_on_utc) VALUES (?, ?, NULL, 2, false, ?, ?, ?, ?, ?, false, ?, ?, ?, ?)",
+                    new String[] { "id" });
+            ps.setLong(1, accountId);
+            ps.setLong(2, officeId);
+            ps.setDate(3, sqlDate);
+            ps.setBigDecimal(4, amount);
+            ps.setDate(5, sqlDate);
+            ps.setString(6, refNo());
+            ps.setBigDecimal(7, balance.subtract(amount));
+            ps.setLong(8, userId);
+            ps.setLong(9, userId);
+            ps.setObject(10, now);
+            ps.setObject(11, now);
+            return ps;
+        }, kh);
+        jdbcTemplate.update("UPDATE m_savings_account SET account_balance_derived = account_balance_derived - ?, "
+                + "total_withdrawals_derived = COALESCE(total_withdrawals_derived, 0) + ? WHERE id = ?", amount, amount, accountId);
+        return Objects.requireNonNull(kh.getKey()).longValue();
+    }
+
+    /** Debits a current account; returns the m_current_account_transaction id. */
+    public long debitCurrent(final Long accountId, final BigDecimal amount, final Long officeId, final LocalDate txnDate,
+            final Long userId, final String note) {
+        final BigDecimal balance = checkedBalance("m_current_account", "Current", accountId, amount);
+        kycRestrictionGuard.checkCurrentAccount(accountId, KycRestrictionGuard.Operation.DEBIT);
+
+        final java.sql.Date sqlDate = java.sql.Date.valueOf(txnDate);
+        final String remarks = note == null || note.isBlank() ? "Book debit" : (note.length() > 490 ? note.substring(0, 490) : note);
+        final KeyHolder kh = new GeneratedKeyHolder();
+        jdbcTemplate.update(con -> {
+            final PreparedStatement ps = con.prepareStatement("INSERT INTO m_current_account_transaction "
+                    + "(current_account_id, office_id, transaction_type_enum, transaction_date, amount, is_reversed, is_reversal, "
+                    + "is_manual, is_lien_transaction, ref_no, submitted_on_date, running_balance_derived, remarks, created_date, created_by) "
+                    + "VALUES (?, ?, 2, ?, ?, false, false, false, false, ?, ?, ?, ?, CURRENT_TIMESTAMP, ?)", new String[] { "id" });
+            ps.setLong(1, accountId);
+            ps.setLong(2, officeId);
+            ps.setDate(3, sqlDate);
+            ps.setBigDecimal(4, amount);
+            ps.setString(5, refNo());
+            ps.setDate(6, sqlDate);
+            ps.setBigDecimal(7, balance.subtract(amount));
+            ps.setString(8, remarks);
+            ps.setLong(9, userId);
+            return ps;
+        }, kh);
+        jdbcTemplate.update("UPDATE m_current_account SET account_balance_derived = account_balance_derived - ?, "
+                + "total_withdrawals_derived = COALESCE(total_withdrawals_derived, 0) + ? WHERE id = ?", amount, amount, accountId);
+        return Objects.requireNonNull(kh.getKey()).longValue();
+    }
+
+    /** The account's balance, after checking it is active and can cover {@code amount} from what is not on hold. */
+    private BigDecimal checkedBalance(final String table, final String kind, final Long accountId, final BigDecimal amount) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT status_enum, account_balance_derived, on_hold_funds_derived FROM " + table + " WHERE id = ?", accountId);
+        if (rows.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.not.found", kind + " account " + accountId + " not found.",
+                    accountId);
+        }
+        final int status = ((Number) rows.get(0).get("status_enum")).intValue();
+        if (status != 300) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.not.active",
+                    kind + " account " + accountId + " is not active.", accountId);
+        }
+        final BigDecimal balance = rows.get(0).get("account_balance_derived") == null ? BigDecimal.ZERO
+                : (BigDecimal) rows.get(0).get("account_balance_derived");
+        final BigDecimal onHold = rows.get(0).get("on_hold_funds_derived") == null ? BigDecimal.ZERO
+                : (BigDecimal) rows.get(0).get("on_hold_funds_derived");
+        final BigDecimal available = balance.subtract(onHold);
+        if (available.compareTo(amount) < 0) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.insufficient.balance",
+                    "Insufficient available balance in " + kind.toLowerCase() + " account " + accountId + ". Available: " + available
+                            + ", Requested: " + amount,
+                    accountId);
+        }
+        return balance;
+    }
+
+    private static String refNo() {
+        return UUID.randomUUID().toString().replace("-", "").substring(0, 20);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/account/service/AccountTransfersWritePlatformServiceImpl.java

@@ -57,6 +57,7 @@ import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
 import org.apache.fineract.portfolio.account.domain.AccountTransferTransaction;
 import org.apache.fineract.portfolio.account.domain.AccountTransferType;
 import org.apache.fineract.portfolio.account.exception.DifferentCurrenciesException;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccount;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction;
@@ -100,6 +101,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
     private final CurrentAccountRepository currentAccountRepository;
     private final CurrentAccountTransactionRepository currentAccountTransactionRepository;
     private final AccountingProcessorHelper accountingProcessorHelper;
+    private final KycRestrictionGuard kycRestrictionGuard;
 
     @Transactional
     @Override
@@ -472,7 +474,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             final CurrentAccountTransaction withdrawal = performCurrentWithdrawal(fromCurrentAccount,
                     accountTransferDTO.getTransactionAmount(), accountTransferDTO.getTransactionDate(),
-                    toSavingsAccount.productId(), toSavingsAccount.getId());
+                    toSavingsAccount.productId(), false, toSavingsAccount.getId());
 
             // skipAccountingPostings=true: current account withdrawal leg (C-txn) already posts
             // DR CURRENT ACCOUNT / CR SAVING INDIVIDUAL directly — each with its own account number.
@@ -517,7 +519,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             performCurrentDeposit(toCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    fromSavingsAccount.productId(), fromSavingsAccount.getId());
+                    fromSavingsAccount.productId(), false, fromSavingsAccount.getId());
 
             if (accountTransferDetails == null) {
                 accountTransferDetails = AccountTransferDetails.savingsToCurrentTransfer(
@@ -545,10 +547,10 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             performCurrentWithdrawal(fromCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    toCurrentAccount.getProductId(), toCurrentAccount.getId());
+                    toCurrentAccount.getProductId(), true, toCurrentAccount.getId());
             performCurrentDeposit(toCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    fromCurrentAccount.getProductId(), fromCurrentAccount.getId());
+                    fromCurrentAccount.getProductId(), true, fromCurrentAccount.getId());
 
             if (accountTransferDetails == null) {
                 accountTransferDetails = AccountTransferDetails.currentToCurrentTransfer(
@@ -681,6 +683,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      */
     private CurrentAccountTransaction performCurrentWithdrawalForLoan(final CurrentAccount account, final BigDecimal amount,
             final LocalDate txnDate) {
+        // Money leaving a current account by transfer is refused on a dormant one, as a withdrawal is.
+        kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.TRANSFER);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
         final BigDecimal onHold = account.getOnHoldFundsDerived() != null ? account.getOnHoldFundsDerived() : BigDecimal.ZERO;
         final BigDecimal available = balance.subtract(onHold);
@@ -699,10 +703,9 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         currentAccountRepository.save(account);
         if (account.getProductId() != null && txn.getId() != null) {
             final String currentTxnId = "CA" + txn.getId();
-            accountingProcessorHelper.createCashBasedJournalEntriesAndReversalsForSavings(account.getOffice(),
-                    account.getCurrencyCode(), CashAccountsForSavings.SAVINGS_CONTROL.getValue(),
-                    FinancialActivity.LIABILITY_TRANSFER.getValue(), account.getProductId(), null,
-                    account.getId(), currentTxnId, txnDate, amount, false);
+            accountingProcessorHelper.createCurrentControlToFinancialActivityJournalEntries(account.getOffice(),
+                    account.getCurrencyCode(), account.getProductId(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
+                    account.getId(), currentTxnId, txnDate, amount);
         }
         return txn;
     }
@@ -712,7 +715,9 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      * Throws {@link GeneralPlatformDomainRuleException} if balance is insufficient.
      */
     private CurrentAccountTransaction performCurrentWithdrawal(final CurrentAccount account, final BigDecimal amount,
-            final LocalDate txnDate, final Long counterpartProductId, final Long counterpartEntityId) {
+            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
+            final Long counterpartEntityId) {
+        kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.TRANSFER);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
         final BigDecimal onHold = account.getOnHoldFundsDerived() != null ? account.getOnHoldFundsDerived() : BigDecimal.ZERO;
         final BigDecimal available = balance.subtract(onHold);
@@ -730,7 +735,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                 (account.getTotalWithdrawalsDerived() != null ? account.getTotalWithdrawalsDerived() : BigDecimal.ZERO).add(amount));
         currentAccountRepository.save(account);
         // Post journal entries: DR current account GL, CR counterpart GL — each with correct entity/account number
-        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, true, counterpartProductId, counterpartEntityId);
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, true, counterpartProductId, counterpartIsCurrent,
+                counterpartEntityId);
         return txn;
     }
 
@@ -738,7 +744,9 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      * Deposit amount into a current account and save the transaction.
      */
     private CurrentAccountTransaction performCurrentDeposit(final CurrentAccount account, final BigDecimal amount,
-            final LocalDate txnDate, final Long counterpartProductId, final Long counterpartEntityId) {
+            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
+            final Long counterpartEntityId) {
+        kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.CREDIT);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
         final CurrentAccountTransaction txn = CurrentAccountTransaction.deposit(account, account.getOffice(), amount, txnDate, null);
         final BigDecimal newBalance = balance.add(amount);
@@ -749,7 +757,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                 (account.getTotalDepositsDerived() != null ? account.getTotalDepositsDerived() : BigDecimal.ZERO).add(amount));
         currentAccountRepository.save(account);
         // Post journal entries: DR counterpart GL, CR current account GL — each with correct entity/account number
-        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, false, counterpartProductId, counterpartEntityId);
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, false, counterpartProductId, counterpartIsCurrent,
+                counterpartEntityId);
         return txn;
     }
 
@@ -783,7 +792,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      */
     private void postCurrentAccountTransferJournalEntries(final CurrentAccount account, final CurrentAccountTransaction txn,
             final BigDecimal amount, final LocalDate txnDate, final boolean isWithdrawal,
-            final Long counterpartProductId, final Long counterpartEntityId) {
+            final Long counterpartProductId, final boolean counterpartIsCurrent, final Long counterpartEntityId) {
         if (account.getProductId() == null || txn.getId() == null) {
             return;
         }
@@ -794,17 +803,13 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         final String currentTxnId = "CA" + txn.getId();
         if (isWithdrawal) {
             // DR: current account GL  CR: counterpart (savings/current) GL
-            accountingProcessorHelper.createDirectTransferJournalEntriesForSavings(
-                    account.getOffice(), account.getCurrencyCode(),
-                    account.getProductId(), account.getId(),
-                    counterpartProductId, counterpartEntityId,
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
+                    account.getProductId(), true, account.getId(), counterpartProductId, counterpartIsCurrent, counterpartEntityId,
                     currentTxnId, txnDate, amount);
         } else {
             // DR: counterpart (savings/current) GL  CR: current account GL
-            accountingProcessorHelper.createDirectTransferJournalEntriesForSavings(
-                    account.getOffice(), account.getCurrencyCode(),
-                    counterpartProductId, counterpartEntityId,
-                    account.getProductId(), account.getId(),
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
+                    counterpartProductId, counterpartIsCurrent, counterpartEntityId, account.getProductId(), true, account.getId(),
                     currentTxnId, txnDate, amount);
         }
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/account/starter/AccountConfiguration.java

@@ -1,140 +1,141 @@
-/**
- * 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.account.starter;
-
-import org.apache.fineract.accounting.journalentry.service.AccountingProcessorHelper;
-import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
-import org.apache.fineract.infrastructure.core.config.FineractProperties;
-import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
-import org.apache.fineract.infrastructure.core.service.PaginationHelper;
-import org.apache.fineract.infrastructure.core.service.database.DatabaseSpecificSQLGenerator;
-import org.apache.fineract.infrastructure.security.service.SqlValidator;
-import org.apache.fineract.infrastructure.security.utils.ColumnValidator;
-import org.apache.fineract.organisation.office.service.OfficeReadPlatformService;
-import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
-import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransactionRepository;
-import org.apache.fineract.portfolio.account.data.AccountTransfersDataValidator;
-import org.apache.fineract.portfolio.account.data.StandingInstructionDataValidator;
-import org.apache.fineract.portfolio.account.domain.AccountTransferAssembler;
-import org.apache.fineract.portfolio.account.domain.AccountTransferDetailRepository;
-import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
-import org.apache.fineract.portfolio.account.domain.StandingInstructionAssembler;
-import org.apache.fineract.portfolio.account.domain.StandingInstructionRepository;
-import org.apache.fineract.portfolio.account.mapper.AccountTransfersMapper;
-import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformService;
-import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformService;
-import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformService;
-import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformService;
-import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformServiceImpl;
-import org.apache.fineract.portfolio.client.service.ClientReadPlatformService;
-import org.apache.fineract.portfolio.common.service.DropdownReadPlatformService;
-import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainService;
-import org.apache.fineract.portfolio.loanaccount.service.LoanAssembler;
-import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
-import org.apache.fineract.portfolio.savings.domain.GSIMRepositoy;
-import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
-import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
-import org.apache.fineract.portfolio.savings.service.SavingsAccountWritePlatformService;
-import org.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
-import org.springframework.context.annotation.Bean;
-import org.springframework.context.annotation.Configuration;
-import org.springframework.jdbc.core.JdbcTemplate;
-
-@Configuration
-public class AccountConfiguration {
-
-    @Bean
-    @ConditionalOnMissingBean(AccountAssociationsReadPlatformService.class)
-    public AccountAssociationsReadPlatformService accountAssociationsReadPlatformService(JdbcTemplate jdbcTemplate) {
-        return new AccountAssociationsReadPlatformServiceImpl(jdbcTemplate);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(AccountTransfersReadPlatformService.class)
-    public AccountTransfersReadPlatformService accountTransfersReadPlatformService(JdbcTemplate jdbcTemplate,
-            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
-            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService, ColumnValidator columnValidator,
-            DatabaseSpecificSQLGenerator sqlGenerator, AccountTransfersMapper accountTransfersMapper, PaginationHelper paginationHelper,
-            SqlValidator sqlValidator) {
-        return new AccountTransfersReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
-                portfolioAccountReadPlatformService, columnValidator, sqlGenerator, accountTransfersMapper, paginationHelper, sqlValidator);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(AccountTransfersWritePlatformService.class)
-    public AccountTransfersWritePlatformService accountTransfersWritePlatformService(
-            AccountTransfersDataValidator accountTransfersDataValidator, AccountTransferAssembler accountTransferAssembler,
-            AccountTransferRepository accountTransferRepository, SavingsAccountAssembler savingsAccountAssembler,
-            SavingsAccountDomainService savingsAccountDomainService, LoanAssembler loanAccountAssembler,
-            LoanAccountDomainService loanAccountDomainService, SavingsAccountWritePlatformService savingsAccountWritePlatformService,
-            AccountTransferDetailRepository accountTransferDetailRepository, LoanReadPlatformService loanReadPlatformService,
-            GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
-            FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
-            CurrentAccountTransactionRepository currentAccountTransactionRepository,
-            AccountingProcessorHelper accountingProcessorHelper) {
-        return new AccountTransfersWritePlatformServiceImpl(accountTransfersDataValidator, accountTransferAssembler,
-                accountTransferRepository, savingsAccountAssembler, savingsAccountDomainService, loanAccountAssembler,
-                loanAccountDomainService, savingsAccountWritePlatformService, accountTransferDetailRepository, loanReadPlatformService,
-                gsimRepository, configurationDomainService, externalIdFactory, fineractProperties,
-                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(PortfolioAccountReadPlatformService.class)
-    public PortfolioAccountReadPlatformService portfolioAccountReadPlatformService(JdbcTemplate jdbcTemplate,
-            DatabaseSpecificSQLGenerator sqlGenerator) {
-        return new PortfolioAccountReadPlatformServiceImpl(jdbcTemplate, sqlGenerator);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionHistoryReadPlatformService.class)
-    public StandingInstructionHistoryReadPlatformService standingInstructionHistoryReadPlatformService(JdbcTemplate jdbcTemplate,
-            ColumnValidator columnValidator, DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
-        return new StandingInstructionHistoryReadPlatformServiceImpl(jdbcTemplate, columnValidator, sqlGenerator, paginationHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionReadPlatformService.class)
-    public StandingInstructionReadPlatformService standingInstructionReadPlatformService(JdbcTemplate jdbcTemplate,
-            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
-            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService,
-            DropdownReadPlatformService dropdownReadPlatformService, ColumnValidator columnValidator,
-            DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
-        return new StandingInstructionReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
-                portfolioAccountReadPlatformService, dropdownReadPlatformService, columnValidator, sqlGenerator, paginationHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionWritePlatformService.class)
-    public StandingInstructionWritePlatformService standingInstructionWritePlatformService(
-            StandingInstructionDataValidator standingInstructionDataValidator, StandingInstructionAssembler standingInstructionAssembler,
-            AccountTransferDetailRepository accountTransferDetailRepository, StandingInstructionRepository standingInstructionRepository) {
-        return new StandingInstructionWritePlatformServiceImpl(standingInstructionDataValidator, standingInstructionAssembler,
-                accountTransferDetailRepository, standingInstructionRepository);
-    }
-}
+/**
+ * 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.account.starter;
+
+import org.apache.fineract.accounting.journalentry.service.AccountingProcessorHelper;
+import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
+import org.apache.fineract.infrastructure.core.config.FineractProperties;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.core.service.PaginationHelper;
+import org.apache.fineract.infrastructure.core.service.database.DatabaseSpecificSQLGenerator;
+import org.apache.fineract.infrastructure.security.service.SqlValidator;
+import org.apache.fineract.infrastructure.security.utils.ColumnValidator;
+import org.apache.fineract.organisation.office.service.OfficeReadPlatformService;
+import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
+import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransactionRepository;
+import org.apache.fineract.portfolio.account.data.AccountTransfersDataValidator;
+import org.apache.fineract.portfolio.account.data.StandingInstructionDataValidator;
+import org.apache.fineract.portfolio.account.domain.AccountTransferAssembler;
+import org.apache.fineract.portfolio.account.domain.AccountTransferDetailRepository;
+import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
+import org.apache.fineract.portfolio.account.domain.StandingInstructionAssembler;
+import org.apache.fineract.portfolio.account.domain.StandingInstructionRepository;
+import org.apache.fineract.portfolio.account.mapper.AccountTransfersMapper;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
+import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformService;
+import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformService;
+import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformService;
+import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformService;
+import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformServiceImpl;
+import org.apache.fineract.portfolio.client.service.ClientReadPlatformService;
+import org.apache.fineract.portfolio.common.service.DropdownReadPlatformService;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanAssembler;
+import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+import org.apache.fineract.portfolio.savings.domain.GSIMRepositoy;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
+import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
+import org.apache.fineract.portfolio.savings.service.SavingsAccountWritePlatformService;
+import org.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.jdbc.core.JdbcTemplate;
+
+@Configuration
+public class AccountConfiguration {
+
+    @Bean
+    @ConditionalOnMissingBean(AccountAssociationsReadPlatformService.class)
+    public AccountAssociationsReadPlatformService accountAssociationsReadPlatformService(JdbcTemplate jdbcTemplate) {
+        return new AccountAssociationsReadPlatformServiceImpl(jdbcTemplate);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(AccountTransfersReadPlatformService.class)
+    public AccountTransfersReadPlatformService accountTransfersReadPlatformService(JdbcTemplate jdbcTemplate,
+            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
+            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService, ColumnValidator columnValidator,
+            DatabaseSpecificSQLGenerator sqlGenerator, AccountTransfersMapper accountTransfersMapper, PaginationHelper paginationHelper,
+            SqlValidator sqlValidator) {
+        return new AccountTransfersReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
+                portfolioAccountReadPlatformService, columnValidator, sqlGenerator, accountTransfersMapper, paginationHelper, sqlValidator);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(AccountTransfersWritePlatformService.class)
+    public AccountTransfersWritePlatformService accountTransfersWritePlatformService(
+            AccountTransfersDataValidator accountTransfersDataValidator, AccountTransferAssembler accountTransferAssembler,
+            AccountTransferRepository accountTransferRepository, SavingsAccountAssembler savingsAccountAssembler,
+            SavingsAccountDomainService savingsAccountDomainService, LoanAssembler loanAccountAssembler,
+            LoanAccountDomainService loanAccountDomainService, SavingsAccountWritePlatformService savingsAccountWritePlatformService,
+            AccountTransferDetailRepository accountTransferDetailRepository, LoanReadPlatformService loanReadPlatformService,
+            GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
+            FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
+            CurrentAccountTransactionRepository currentAccountTransactionRepository,
+            AccountingProcessorHelper accountingProcessorHelper, KycRestrictionGuard kycRestrictionGuard) {
+        return new AccountTransfersWritePlatformServiceImpl(accountTransfersDataValidator, accountTransferAssembler,
+                accountTransferRepository, savingsAccountAssembler, savingsAccountDomainService, loanAccountAssembler,
+                loanAccountDomainService, savingsAccountWritePlatformService, accountTransferDetailRepository, loanReadPlatformService,
+                gsimRepository, configurationDomainService, externalIdFactory, fineractProperties,
+                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper, kycRestrictionGuard);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(PortfolioAccountReadPlatformService.class)
+    public PortfolioAccountReadPlatformService portfolioAccountReadPlatformService(JdbcTemplate jdbcTemplate,
+            DatabaseSpecificSQLGenerator sqlGenerator) {
+        return new PortfolioAccountReadPlatformServiceImpl(jdbcTemplate, sqlGenerator);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionHistoryReadPlatformService.class)
+    public StandingInstructionHistoryReadPlatformService standingInstructionHistoryReadPlatformService(JdbcTemplate jdbcTemplate,
+            ColumnValidator columnValidator, DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
+        return new StandingInstructionHistoryReadPlatformServiceImpl(jdbcTemplate, columnValidator, sqlGenerator, paginationHelper);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionReadPlatformService.class)
+    public StandingInstructionReadPlatformService standingInstructionReadPlatformService(JdbcTemplate jdbcTemplate,
+            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
+            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService,
+            DropdownReadPlatformService dropdownReadPlatformService, ColumnValidator columnValidator,
+            DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
+        return new StandingInstructionReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
+                portfolioAccountReadPlatformService, dropdownReadPlatformService, columnValidator, sqlGenerator, paginationHelper);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionWritePlatformService.class)
+    public StandingInstructionWritePlatformService standingInstructionWritePlatformService(
+            StandingInstructionDataValidator standingInstructionDataValidator, StandingInstructionAssembler standingInstructionAssembler,
+            AccountTransferDetailRepository accountTransferDetailRepository, StandingInstructionRepository standingInstructionRepository) {
+        return new StandingInstructionWritePlatformServiceImpl(standingInstructionDataValidator, standingInstructionAssembler,
+                accountTransferDetailRepository, standingInstructionRepository);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/accounts/constants/ShareAccountApiConstants.java

@@ -61,6 +61,8 @@ public interface ShareAccountApiConstants {
     String externalid_paramname = "externalId";
 
     String resolutionnumber_paramname = "resolutionNumber";
+    /** Date of the board meeting that passed the resolution. */
+    String resolutiondate_paramname = "resolutionDate";
 
     String currency_paramname = "currencyCode";
 
@@ -146,7 +148,7 @@ public interface ShareAccountApiConstants {
 
     Set<String> supportedParameters = Collections.unmodifiableSet(new HashSet<>(Arrays.asList(locale_paramname, dateformat_paramname,
             id_paramname, clientid_paramname, productid_paramname, submitteddate_paramname, approveddate_paramname, externalid_paramname,
-            resolutionnumber_paramname, currency_paramname, digitsafterdecimal_paramname, inmultiplesof_paramname,
+            resolutionnumber_paramname, resolutiondate_paramname, currency_paramname, digitsafterdecimal_paramname, inmultiplesof_paramname,
             requestedshares_paramname, savingsaccountid_paramname, lockinperiod_paramname, lockperiodfrequencytype_paramname,
             minimumactiveperiod_paramname, minimumactiveperiodfrequencytype_paramname,
             allowdividendcalculationforinactiveclients_paramname, charges_paramname, applicationdate_param, purchaseddate_paramname,

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AlertReviewRequest.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.aml.api;
 
+import java.util.List;
 import lombok.Getter;
 import lombok.NoArgsConstructor;
 import lombok.Setter;
@@ -30,4 +31,13 @@ public class AlertReviewRequest {
 
     private String disposition;
     private String notes;
+
+    /**
+     * The rules being decided, when the officer is deciding some of them rather than the whole alert.
+     *
+     * <p>
+     * Absent or empty means the decision covers the transaction and every rule it matched, which is what the row-level
+     * Whitelist and Suspicious buttons send and what this endpoint has always done.
+     */
+    private List<String> ruleCodes;
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlAlertApiResource.java

@@ -71,7 +71,13 @@ public class AmlAlertApiResource {
             description = "disposition WHITELIST closes the alert as a false positive; ESCALATE creates an STR case for Principal Officer review.")
     public String review(@PathParam("alertId") final Long alertId, final AlertReviewRequest request) {
         this.context.authenticatedUser().validateHasPermissionTo("REVIEW_AML_ALERT");
-        if ("ESCALATE".equalsIgnoreCase(request.getDisposition())) {
+        final boolean escalating = "ESCALATE".equalsIgnoreCase(request.getDisposition());
+        if (request.getRuleCodes() != null && !request.getRuleCodes().isEmpty()) {
+            // Deciding named rules within the alert. The alert's own status follows from what is left undecided, so
+            // it is not set here.
+            this.writePlatformService.reviewRules(alertId, request.getRuleCodes(), escalating ? "ESCALATE" : "WHITELIST",
+                    request.getNotes());
+        } else if (escalating) {
             this.writePlatformService.escalate(alertId, request.getNotes());
         } else {
             this.writePlatformService.whitelist(alertId, request.getNotes());

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/AmlCtrReportApiResource.java

@@ -25,6 +25,7 @@ import jakarta.ws.rs.GET;
 import jakarta.ws.rs.POST;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
 import java.time.YearMonth;
 import java.util.List;
@@ -32,6 +33,7 @@ import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.core.serialization.DefaultToApiJsonSerializer;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportLineData;
 import org.apache.fineract.portfolio.aml.service.AmlCtrReportGenerationService;
 import org.apache.fineract.portfolio.aml.service.AmlCtrReportReadPlatformService;
 import org.springframework.stereotype.Component;
@@ -47,6 +49,7 @@ public class AmlCtrReportApiResource {
     private final AmlCtrReportReadPlatformService readPlatformService;
     private final AmlCtrReportGenerationService generationService;
     private final DefaultToApiJsonSerializer<AmlCtrReportData> toApiJsonSerializer;
+    private final DefaultToApiJsonSerializer<AmlCtrReportLineData> lineJsonSerializer;
 
     @GET
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -58,6 +61,28 @@ public class AmlCtrReportApiResource {
         return this.toApiJsonSerializer.serialize(reports);
     }
 
+    @GET
+    @Path("lines")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "The reportable lines behind the generated CTRs",
+            description = "Each line resolved to the account, customer, branch and date a FIU-IND filing names. Optional reportId narrows it to one month.")
+    public String retrieveLines(@QueryParam("reportId") final Long reportId) {
+        this.context.authenticatedUser();
+        return this.lineJsonSerializer.serialize(this.readPlatformService.retrieveLines(reportId));
+    }
+
+    @GET
+    @Path("pending-lines")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reportable cash transactions not yet in any generated CTR",
+            description = "The monthly batch is a snapshot, so a transaction posted after it ran belongs to that month's filing but sits in no report. These are those transactions, shaped as lines, so a reportable one is never invisible.")
+    public String retrievePendingLines() {
+        this.context.authenticatedUser();
+        return this.lineJsonSerializer.serialize(this.readPlatformService.retrievePendingLines());
+    }
+
     @POST
     @Path("generate")
     @Consumes({ MediaType.APPLICATION_JSON })

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/api/ClientRiskChangeApiResource.java

@@ -0,0 +1,172 @@
+/**
+ * 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.aml.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.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.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.util.function.Supplier;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.service.ClientRiskChangeRequestService;
+import org.springframework.stereotype.Component;
+
+/**
+ * Moving a customer's KYC risk category, under maker-checker.
+ *
+ * <p>
+ * Raised from the Risk Review Report, which already works out which customers are rated below what
+ * their behaviour warrants. The rating moves only when a checker approves, and the change is written
+ * into the customer's risk history with the reason given.
+ */
+@Path("/v1/aml/risk-change-requests")
+@Component
+@Tag(name = "Client Risk Category Change",
+        description = "Maker-checker changes to a customer's KYC risk category, raised from the Risk Review Report.")
+@RequiredArgsConstructor
+public class ClientRiskChangeApiResource {
+
+    private final PlatformSecurityContext context;
+    private final ClientRiskChangeRequestService service;
+    private final Gson gson = new GsonBuilder().serializeNulls().create();
+
+    /**
+     * Business-rule failures in this module are plain IllegalArgument/IllegalState exceptions, which
+     * Fineract's global handler does not map - left uncaught they reach the client as an opaque 500
+     * with no message. Wrapped so the reviewer is told what actually stopped them.
+     */
+    private <T> T safely(final Supplier<T> action) {
+        try {
+            return action.get();
+        } catch (final IllegalArgumentException | IllegalStateException e) {
+            throw apiError(400, e.getMessage());
+        }
+    }
+
+    private WebApplicationException apiError(final int httpStatus, final String message) {
+        final JsonObject body = new JsonObject();
+        body.addProperty("message", message);
+        body.addProperty("defaultUserMessage", message);
+        body.addProperty("httpStatus", httpStatus);
+        final JsonArray errors = new JsonArray();
+        final JsonObject err = new JsonObject();
+        err.addProperty("defaultUserMessage", message);
+        errors.add(err);
+        body.add("errors", errors);
+        return new WebApplicationException(
+                Response.status(httpStatus).entity(this.gson.toJson(body)).type(MediaType.APPLICATION_JSON).build());
+    }
+
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "List risk category change requests",
+            description = "Optionally filtered by status (PENDING/APPROVED/REJECTED) for the approval queue.")
+    public String retrieveAll(@QueryParam("status") final String status) {
+        this.context.authenticatedUser();
+        return this.gson.toJson(this.service.retrieveAll(status));
+    }
+
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Request a change to a customer's risk category",
+            description = "Maker step. Nothing moves until a checker approves.")
+    public CommandProcessingResult request(final RiskChangeRequest request) {
+        return safely(() -> this.service.request(request.getClientId(), request.getRequestedCategory(), request.getReason()));
+    }
+
+    @POST
+    @Path("{requestId}/approve")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Approve a risk category change",
+            description = "Checker step: applies the new category to the customer's KYC record, moves the re-KYC due date onto that category's cycle, and writes the change into the risk history.")
+    public CommandProcessingResult approve(@PathParam("requestId") final Long requestId) {
+        return safely(() -> this.service.approve(requestId));
+    }
+
+    @POST
+    @Path("{requestId}/reject")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Reject a risk category change", description = "Checker step. The customer's rating is left as it is.")
+    public CommandProcessingResult reject(@PathParam("requestId") final Long requestId, final RiskChangeRejectRequest request) {
+        return safely(() -> this.service.reject(requestId, request.getRejectionReason()));
+    }
+
+    /** Request bodies. Plain beans so Jackson binds them without a serializer of their own. */
+    public static final class RiskChangeRequest {
+
+        private Long clientId;
+        private Integer requestedCategory;
+        private String reason;
+
+        public Long getClientId() {
+            return clientId;
+        }
+
+        public void setClientId(Long clientId) {
+            this.clientId = clientId;
+        }
+
+        public Integer getRequestedCategory() {
+            return requestedCategory;
+        }
+
+        public void setRequestedCategory(Integer requestedCategory) {
+            this.requestedCategory = requestedCategory;
+        }
+
+        public String getReason() {
+            return reason;
+        }
+
+        public void setReason(String reason) {
+            this.reason = reason;
+        }
+    }
+
+    public static final class RiskChangeRejectRequest {
+
+        private String rejectionReason;
+
+        public String getRejectionReason() {
+            return rejectionReason;
+        }
+
+        public void setRejectionReason(String rejectionReason) {
+            this.rejectionReason = rejectionReason;
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlAlertData.java

@@ -30,6 +30,16 @@ import java.time.LocalDateTime;
  */
 public record AmlAlertData(Long id, String transactionType, Long transactionId, Long clientId, String clientDisplayName,
         String ruleCode, String ruleDescription, BigDecimal amount, String currencyCode, LocalDateTime raisedOn, String status,
-        String reviewedByUsername, LocalDateTime reviewedOn, String reviewNotes, String disposition, Integer riskCategory)
+        String reviewedByUsername, LocalDateTime reviewedOn, String reviewNotes, String disposition, Integer riskCategory,
+        /** Other rules the same transaction matched, comma-separated. Null when only one fired. */
+        String alsoMatchedRules,
+        /** Worst severity across every rule the transaction matched, not only the governing one. */
+        Integer highestSeverity,
+        /**
+         * Every rule the transaction matched, governing one first, each with its description and severity. The
+         * comma-separated {@code alsoMatchedRules} is kept for what already reads it; this is what the screen expands
+         * to show, because a bare rule code does not tell an officer what was detected or how serious it is.
+         */
+        java.util.List<AmlMatchedRuleData> matchedRules)
         implements Serializable {
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlCtrReportLineData.java

@@ -0,0 +1,50 @@
+/**
+ * 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.aml.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/**
+ * One reportable line of a monthly CTR, carrying what the FIU-IND submission actually needs rather
+ * than only the ids the line is stored under.
+ *
+ * <p>
+ * The stored line keeps a client id and a transaction id; a filing needs the account, the customer,
+ * the branch and the date those ids stand for. They are joined here so the screen and the CSV are
+ * built from the report the bank generated, not from a second calculation that could disagree with
+ * it.
+ *
+ * <p>
+ * A connected-group line has no single transaction behind it - it is a month's worth of smaller
+ * cash movements by one customer that together cross the threshold - so its transaction id, account
+ * and date are null, and {@code connectedGroup} says why.
+ */
+public record AmlCtrReportLineData(Long id, Long reportId, String reportMonth, String transactionType, Long transactionId,
+        Long clientId, String clientName, String accountNo, String branchName, LocalDate transactionDate, String direction,
+        BigDecimal amount, boolean connectedGroup,
+        /**
+         * Account facts the Account_Detail file reports. They were being filled in with a constant
+         * opening date of 20/05/2018 and a status of ACTIVE for every row, which is a statement
+         * about the customer's account that nobody had checked.
+         */
+        LocalDate accountOpenedOn, LocalDate accountClosedOn, String accountStatus,
+        /** Customer identifiers the Account_Person_Relation file reports. */
+        String ckycNumber, String clientExternalId, boolean individual) implements Serializable {}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlDirection.java

@@ -0,0 +1,45 @@
+/**
+ * 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.aml.data;
+
+/**
+ * Which way the money moved, for rules written about one direction only.
+ *
+ * <p>
+ * Without this every rule was matched on amount alone, so a ₹12,00,000 deposit raised
+ * "Frequent low cash WITHDRAWAL" alongside the genuine CTR hit — nine of the ten alerts on that one
+ * transaction were of that kind, and an analyst reading them cannot tell which one is real.
+ */
+public enum AmlDirection {
+
+    /** Money into the customer's account: a deposit, or a loan disbursal. */
+    CREDIT,
+    /** Money out of it: a withdrawal, or a loan repayment. */
+    DEBIT,
+    /** Not established — the rule's own direction filter, if it has one, then does not apply. */
+    UNKNOWN;
+
+    public boolean isCredit() {
+        return this == CREDIT;
+    }
+
+    public boolean isDebit() {
+        return this == DEBIT;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlMatchedRuleData.java

@@ -0,0 +1,43 @@
+/**
+ * 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.aml.data;
+
+import java.io.Serializable;
+
+/**
+ * One rule a transaction matched, as the alert screen needs to show it.
+ *
+ * <p>
+ * An alert names only the rule it was raised under; the rest were a comma-separated list of codes and nothing more. An
+ * officer deciding what to do with a transaction has to know what each of those codes means and how serious it is -
+ * "NEW_ACCOUNT_HIGH_VALUE_TXN" says nothing on its own, and whether it is Medium or High changes the decision.
+ *
+ * @param governing
+ *            whether this is the rule the alert was raised under. One transaction raises one alert, under whichever
+ *            rule most warrants attention, so exactly one entry in the list carries this.
+ * @param riskCategory
+ *            1 Low, 2 Medium, 3 High. Null for a rule with no catalog ancestor - the CTR rules are statutory returns
+ *            rather than graded suspicions, so they carry no band.
+ */
+public record AmlMatchedRuleData(String ruleCode, String ruleDescription, Integer riskCategory, boolean governing,
+        /** WHITELIST, ESCALATE, or null while this rule is still open. */
+        String disposition, String reviewedByUsername, String reviewNotes,
+        /** True where the officer named this rule; false where it was closed alongside one they named. */
+        boolean directlyDecided) implements Serializable {
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlSubjectScope.java

@@ -0,0 +1,64 @@
+/**
+ * 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.aml.data;
+
+/**
+ * The kind of customer a rule is written about, for rules whose subject is the customer rather than
+ * the transaction.
+ *
+ * <p>
+ * Rules like "PEP account monitoring" and "charitable organisation cash withdrawal" name the entity
+ * in their own title, but nothing checked it: each was matched on amount alone and so fired on every
+ * ordinary customer who crossed the amount. Reporting every customer as a PEP is not the cautious
+ * reading - an analyst who sees a PEP alert on a salaried individual learns to ignore PEP alerts,
+ * and the one real politically exposed person is then missed among them.
+ */
+public enum AmlSubjectScope {
+
+    /** Politically exposed person, their relative or close associate. */
+    PEP,
+
+    /** Trust, society or other not-for-profit - cash withdrawals from these carry their own rule. */
+    CHARITABLE_ORG,
+
+    /**
+     * Dealers in precious metal and stones and the other businesses RBI names as higher risk,
+     * where a large transaction is worth reporting that would be routine for anyone else.
+     */
+    HIGH_RISK_BUSINESS,
+
+    /**
+     * A recently opened account. A large transaction through an account that has barely been used
+     * is the classic mule pattern; the same transaction on a decade-old account is not remarkable.
+     */
+    NEW_ACCOUNT;
+
+    public static AmlSubjectScope fromRule(final String value) {
+        if (value == null || value.isBlank()) {
+            return null;
+        }
+        try {
+            return AmlSubjectScope.valueOf(value.trim().toUpperCase());
+        } catch (final IllegalArgumentException e) {
+            // An unrecognised scope must not silently widen the rule back to everyone, so the
+            // caller treats null-from-blank and this case differently.
+            return null;
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/data/AmlTransactionContext.java

@@ -19,7 +19,9 @@
 package org.apache.fineract.portfolio.aml.data;
 
 import java.math.BigDecimal;
+import java.time.LocalDate;
 import java.time.LocalDateTime;
+import java.util.List;
 import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
 import org.apache.fineract.portfolio.client.domain.Client;
 
@@ -45,9 +47,43 @@ public final class AmlTransactionContext {
      * rules are simply skipped for this context rather than guessed at.
      */
     private final BigDecimal windowAggregateAmount;
+    /**
+     * Which way the money moved. A rule written about withdrawals must not fire on a deposit, and
+     * "repayment of loan in cash" is not the same event as a disbursal.
+     */
+    private final AmlDirection direction;
+    /**
+     * How many qualifying transactions make up {@link #windowAggregateAmount}. Structuring is a
+     * pattern of MANY small transactions, so the count is what separates it from one large one:
+     * a single ₹12,00,000 deposit is a CTR, not structuring, however the window total reads.
+     */
+    private final int windowTransactionCount;
+    /**
+     * Every qualifying amount in the window, so a rule can count only what falls inside its own
+     * band. A single count cannot serve every rule: this client's window held four deposits — three
+     * small ones and one of ₹12,00,000 — which satisfied "three or more" for a structuring rule
+     * whose band none of the four sat in. Structuring is several transactions of a similar size,
+     * and only the amounts themselves can say whether that happened.
+     */
+    private final List<BigDecimal> windowAmounts;
+
+    /**
+     * When the account this transaction moved through was opened. The "large transaction on a new
+     * account" rule is about the account rather than the customer, and an old customer can open a
+     * new account. Null where the caller could not establish it, in which case the customer's own
+     * activation date stands in.
+     */
+    private final LocalDate subjectOpenedOn;
 
     public AmlTransactionContext(AmlTransactionType transactionType, Long transactionId, Client client, BigDecimal amount,
             String currencyCode, LocalDateTime occurredOn, boolean cash, BigDecimal windowAggregateAmount) {
+        this(transactionType, transactionId, client, amount, currencyCode, occurredOn, cash, windowAggregateAmount, AmlDirection.UNKNOWN,
+                0, List.of(), null);
+    }
+
+    public AmlTransactionContext(AmlTransactionType transactionType, Long transactionId, Client client, BigDecimal amount,
+            String currencyCode, LocalDateTime occurredOn, boolean cash, BigDecimal windowAggregateAmount, AmlDirection direction,
+            int windowTransactionCount, List<BigDecimal> windowAmounts, LocalDate subjectOpenedOn) {
         this.transactionType = transactionType;
         this.transactionId = transactionId;
         this.client = client;
@@ -56,6 +92,26 @@ public final class AmlTransactionContext {
         this.occurredOn = occurredOn;
         this.cash = cash;
         this.windowAggregateAmount = windowAggregateAmount;
+        this.direction = direction;
+        this.windowTransactionCount = windowTransactionCount;
+        this.windowAmounts = windowAmounts == null ? List.of() : List.copyOf(windowAmounts);
+        this.subjectOpenedOn = subjectOpenedOn;
+    }
+
+    public AmlDirection getDirection() {
+        return direction;
+    }
+
+    public int getWindowTransactionCount() {
+        return windowTransactionCount;
+    }
+
+    public List<BigDecimal> getWindowAmounts() {
+        return windowAmounts;
+    }
+
+    public LocalDate getSubjectOpenedOn() {
+        return subjectOpenedOn;
     }
 
     public AmlTransactionType getTransactionType() {

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/event/AmlDomainServiceImpl.java

@@ -30,6 +30,7 @@ import org.apache.fineract.infrastructure.event.business.domain.loan.transaction
 import org.apache.fineract.infrastructure.event.business.domain.savings.transaction.SavingsDepositBusinessEvent;
 import org.apache.fineract.infrastructure.event.business.domain.savings.transaction.SavingsWithdrawalBusinessEvent;
 import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
+import org.apache.fineract.portfolio.aml.data.AmlDirection;
 import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
 import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
 import org.apache.fineract.portfolio.aml.repository.AmlLoanTransactionQueryRepository;
@@ -113,12 +114,22 @@ public class AmlDomainServiceImpl implements AmlDomainService {
         }
         final LocalDate since = LocalDate.now().minusDays(STRUCTURING_WINDOW_DAYS);
         final List<SavingsAccountTransaction> recent = savingsQueryRepository.findForClientSince(client.getId(), since);
-        final BigDecimal windowAggregate = recent.stream().filter(t -> depositDirection ? t.isDeposit() : t.isWithdrawal())
-                .map(SavingsAccountTransaction::getAmount).reduce(BigDecimal.ZERO, BigDecimal::add);
+        // Same side of the ledger as the transaction being observed: a deposit is not part of a
+        // withdrawal pattern, so the two are aggregated separately.
+        final List<SavingsAccountTransaction> sameDirection = recent.stream()
+                .filter(t -> depositDirection ? t.isDeposit() : t.isWithdrawal()).toList();
+        // Each amount is carried through, not just the total: a rule has to be able to count what
+        // falls inside its own band. Three small deposits plus one of ₹12,00,000 satisfies "three or
+        // more" and a ₹10,00,000 total on the raw figures, which is how one large deposit came to be
+        // reported as structuring.
+        final List<BigDecimal> windowAmounts = sameDirection.stream().map(SavingsAccountTransaction::getAmount).toList();
+        final BigDecimal windowAggregate = windowAmounts.stream().reduce(BigDecimal.ZERO, BigDecimal::add);
 
         final AmlTransactionContext context = new AmlTransactionContext(AmlTransactionType.SAVINGS, transaction.getId(), client,
                 transaction.getAmount(), transaction.getSavingsAccount().getCurrency().getCode(),
-                transaction.getDateOf().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate);
+                transaction.getDateOf().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate,
+                depositDirection ? AmlDirection.CREDIT : AmlDirection.DEBIT, sameDirection.size(), windowAmounts,
+                transaction.getSavingsAccount().getActivationDate());
         try {
             ruleEvaluationService.evaluate(context);
         } catch (final RuntimeException e) {
@@ -134,12 +145,18 @@ public class AmlDomainServiceImpl implements AmlDomainService {
         }
         final LocalDate since = LocalDate.now().minusDays(STRUCTURING_WINDOW_DAYS);
         final List<LoanTransaction> recent = loanQueryRepository.findForClientSince(client.getId(), since);
-        final BigDecimal windowAggregate = recent.stream().filter(LoanTransaction::isRepaymentLikeType)
-                .map(t -> t.getAmount(transaction.getLoan().getCurrency()).getAmount()).reduce(BigDecimal.ZERO, BigDecimal::add);
+        final List<LoanTransaction> repayments = recent.stream().filter(LoanTransaction::isRepaymentLikeType).toList();
+        final List<BigDecimal> windowAmounts = repayments.stream()
+                .map(t -> t.getAmount(transaction.getLoan().getCurrency()).getAmount()).toList();
+        final BigDecimal windowAggregate = windowAmounts.stream().reduce(BigDecimal.ZERO, BigDecimal::add);
 
+        // A repayment takes money from the customer; a disbursal gives it to them. Rules such as
+        // "repayment of loan in cash" are about the first and must not fire on the second.
+        final AmlDirection direction = transaction.isRepaymentLikeType() ? AmlDirection.DEBIT : AmlDirection.CREDIT;
         final AmlTransactionContext context = new AmlTransactionContext(AmlTransactionType.LOAN, transaction.getId(), client,
                 transaction.getAmount(transaction.getLoan().getCurrency()).getAmount(), transaction.getLoan().getCurrency().getCode(),
-                transaction.getTransactionDate().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate);
+                transaction.getTransactionDate().atStartOfDay(), isCash(transaction.getPaymentDetail()), windowAggregate, direction,
+                repayments.size(), windowAmounts, transaction.getLoan().getApprovedOnDate());
         try {
             ruleEvaluationService.evaluate(context);
         } catch (final RuntimeException e) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertReadPlatformServiceImpl.java

@@ -18,15 +18,25 @@
  */
 package org.apache.fineract.portfolio.aml.service;
 
+import java.util.ArrayList;
+import java.util.Arrays;
+import java.util.Collection;
 import java.util.Comparator;
 import java.util.HashMap;
 import java.util.List;
 import java.util.Map;
+import java.util.Set;
 import java.util.stream.Collectors;
+import java.util.stream.Stream;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.portfolio.aml.data.AmlAlertData;
+import org.apache.fineract.portfolio.aml.data.AmlMatchedRuleData;
 import org.apache.fineract.portfolio.aml.domain.AmlAlert;
 import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRule;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRuleRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionRule;
+import org.apache.fineract.portfolio.aml.domain.AmlTransactionRuleRepository;
 import org.apache.fineract.portfolio.client.domain.ClientRiskRuleRepository;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
@@ -38,22 +48,127 @@ public class AmlAlertReadPlatformServiceImpl implements AmlAlertReadPlatformServ
 
     private final AmlAlertRepository repository;
     private final ClientRiskRuleRepository clientRiskRuleRepository;
+    private final AmlAlertRuleRepository alertRuleRepository;
+    private final AmlTransactionRuleRepository transactionRuleRepository;
 
     @Override
     public List<AmlAlertData> retrieve(String statusFilter) {
         final List<AmlAlert> alerts = (statusFilter == null || statusFilter.isBlank()) ? repository.findAll()
                 : repository.findByStatusOrderByRaisedOnAsc(statusFilter);
+        // Nothing flagged is an ordinary state - a quiet period, or a bank that has just been set up - and every
+        // lookup below reads a list built from these alerts. An empty IN clause is a syntax error in Postgres, so
+        // without this the screen fails outright at the very moment it has nothing to report.
+        if (alerts.isEmpty()) {
+            return List.of();
+        }
         // Resolved once for the whole page rather than per alert: many alerts share a rule, so a
         // lookup inside the map step would re-read the same catalog rows repeatedly.
-        final Map<Long, Integer> riskByRiskRuleId = riskCategoriesFor(alerts);
+        // Same reasoning for the also-matched rules, which are held on the alert as bare codes: one
+        // read for every code on the page, not one per alert.
+        // The findings beneath each alert - one row per rule, carrying that rule's own disposition. Read for the whole
+        // page at once rather than per alert.
+        final Map<Long, List<AmlAlertRule>> findingsByAlertId = this.alertRuleRepository
+                .findByAlertIdIn(alerts.stream().map(AmlAlert::getId).toList()).stream()
+                .collect(Collectors.groupingBy(f -> f.getAlert().getId()));
+        final Map<String, AmlTransactionRule> rulesByCode = rulesByCodeFor(alerts, findingsByAlertId);
+        final Map<Long, Integer> riskByRiskRuleId = riskCategoriesFor(alerts, rulesByCode.values());
         return alerts.stream().sorted(Comparator.comparing(AmlAlert::getRaisedOn).reversed())
-                .map(alert -> mapToData(alert, riskByRiskRuleId)).collect(Collectors.toList());
+                .map(alert -> mapToData(alert, riskByRiskRuleId, rulesByCode, findingsByAlertId)).collect(Collectors.toList());
     }
 
-    /** Severity of each originating catalog rule, keyed on m_client_risk_rule.id. */
-    private Map<Long, Integer> riskCategoriesFor(final List<AmlAlert> alerts) {
-        final List<Long> sourceIds = alerts.stream().map(a -> a.getRule().getSourceClientRiskRuleId()).filter(id -> id != null).distinct()
-                .toList();
+    /**
+     * Every rule named anywhere on this page, keyed on its code.
+     *
+     * <p>
+     * Covers the findings as well as the also-matched lists, because a finding holds only a code and the pane needs the
+     * description behind it.
+     */
+    private Map<String, AmlTransactionRule> rulesByCodeFor(final List<AmlAlert> alerts,
+            final Map<Long, List<AmlAlertRule>> findingsByAlertId) {
+        final Set<String> codes = alerts.stream().map(AmlAlert::getAlsoMatchedRules).filter(s -> s != null && !s.isBlank())
+                .flatMap(s -> Arrays.stream(s.split(","))).map(String::trim).filter(s -> !s.isEmpty())
+                .collect(Collectors.toCollection(java.util.HashSet::new));
+        findingsByAlertId.values().stream().flatMap(List::stream).map(AmlAlertRule::getRuleCode).forEach(codes::add);
+        alerts.stream().map(a -> a.getRule().getRuleCode()).forEach(codes::add);
+        if (codes.isEmpty()) {
+            return Map.of();
+        }
+        final Map<String, AmlTransactionRule> byCode = new HashMap<>();
+        this.transactionRuleRepository.findByRuleCodeIn(codes).forEach(rule -> byCode.put(rule.getRuleCode(), rule));
+        return byCode;
+    }
+
+    /**
+     * Every rule the transaction matched, governing one first, each carrying its description and severity.
+     *
+     * <p>
+     * A rule whose catalog ancestor is missing still appears, with a null severity rather than being dropped: the
+     * officer needs to see that it fired. A code with no rule behind it at all - a rule deleted since the alert was
+     * raised - keeps its code as the description, because the alert is a record of what happened and editing the rule
+     * set afterwards does not change that.
+     */
+    private List<AmlMatchedRuleData> matchedRulesOf(final AmlAlert alert, final Map<Long, Integer> riskByRiskRuleId,
+            final Map<String, AmlTransactionRule> rulesByCode, final Map<Long, List<AmlAlertRule>> findingsByAlertId) {
+        final List<AmlAlertRule> findings = findingsByAlertId.get(alert.getId());
+        if (findings != null && !findings.isEmpty()) {
+            // Governing rule first, then by code, so the pane does not reorder itself between reads.
+            return findings.stream()
+                    .sorted(Comparator.comparing(AmlAlertRule::isGoverning).reversed().thenComparing(AmlAlertRule::getRuleCode))
+                    .map(f -> new AmlMatchedRuleData(f.getRuleCode(), describe(f.getRuleCode(), rulesByCode), f.getRiskCategory(),
+                            f.isGoverning(), f.getDisposition(),
+                            f.getReviewedBy() == null ? null : f.getReviewedBy().getUsername(), f.getReviewNotes(),
+                            f.isDirectlyDecided()))
+                    .collect(Collectors.toList());
+        }
+
+        // No findings rows: an alert raised before they existed and not covered by the backfill. Rebuilt from the flat
+        // fields so the pane still shows what fired, with no per-rule disposition to report.
+        final List<AmlMatchedRuleData> matched = new ArrayList<>();
+        final Long governingSourceId = alert.getRule().getSourceClientRiskRuleId();
+        matched.add(new AmlMatchedRuleData(alert.getRule().getRuleCode(), alert.getRule().getDescription(),
+                governingSourceId == null ? null : riskByRiskRuleId.get(governingSourceId), true, null, null, null, false));
+
+        final String also = alert.getAlsoMatchedRules();
+        if (also == null || also.isBlank()) {
+            return matched;
+        }
+        for (final String raw : also.split(",")) {
+            final String code = raw.trim();
+            if (code.isEmpty()) {
+                continue;
+            }
+            final AmlTransactionRule rule = rulesByCode.get(code);
+            final Long sourceId = rule == null ? null : rule.getSourceClientRiskRuleId();
+            matched.add(new AmlMatchedRuleData(code, describe(code, rulesByCode),
+                    sourceId == null ? null : riskByRiskRuleId.get(sourceId), false, null, null, null, false));
+        }
+        return matched;
+    }
+
+    /**
+     * A rule's description, or its code when the rule itself is gone.
+     *
+     * <p>
+     * An alert records what was detected at the time; a rule retired since then does not erase the finding, so the code
+     * stands in rather than the row disappearing.
+     */
+    private String describe(final String ruleCode, final Map<String, AmlTransactionRule> rulesByCode) {
+        final AmlTransactionRule rule = rulesByCode.get(ruleCode);
+        return rule == null || rule.getDescription() == null ? ruleCode : rule.getDescription();
+    }
+
+    /**
+     * Severity of each originating catalog rule, keyed on m_client_risk_rule.id.
+     *
+     * <p>
+     * Covers the also-matched rules as well as the governing ones. Resolving only the governing rules left every
+     * also-matched rule reporting a null severity, which is exactly the thing the expanded row exists to show.
+     */
+    private Map<Long, Integer> riskCategoriesFor(final List<AmlAlert> alerts, final Collection<AmlTransactionRule> alsoMatched) {
+        final List<Long> sourceIds = Stream
+                .concat(alerts.stream().map(a -> a.getRule().getSourceClientRiskRuleId()),
+                        alsoMatched.stream().map(AmlTransactionRule::getSourceClientRiskRuleId))
+                .filter(id -> id != null).distinct().toList();
         final Map<Long, Integer> byId = new HashMap<>();
         if (sourceIds.isEmpty()) {
             return byId;
@@ -62,13 +177,15 @@ public class AmlAlertReadPlatformServiceImpl implements AmlAlertReadPlatformServ
         return byId;
     }
 
-    private AmlAlertData mapToData(AmlAlert alert, Map<Long, Integer> riskByRiskRuleId) {
+    private AmlAlertData mapToData(AmlAlert alert, Map<Long, Integer> riskByRiskRuleId, Map<String, AmlTransactionRule> rulesByCode,
+            Map<Long, List<AmlAlertRule>> findingsByAlertId) {
         final Long sourceRiskRuleId = alert.getRule().getSourceClientRiskRuleId();
         final Integer riskCategory = sourceRiskRuleId == null ? null : riskByRiskRuleId.get(sourceRiskRuleId);
         return new AmlAlertData(alert.getId(), alert.getTransactionType().name(), alert.getTransactionId(), alert.getClient().getId(),
                 alert.getClient().getDisplayName(), alert.getRule().getRuleCode(), alert.getRule().getDescription(), alert.getAmount(),
                 alert.getCurrencyCode(), alert.getRaisedOn(), alert.getStatus().name(),
                 alert.getReviewedBy() == null ? null : alert.getReviewedBy().getUsername(), alert.getReviewedOn(),
-                alert.getReviewNotes(), alert.getDisposition() == null ? null : alert.getDisposition().name(), riskCategory);
+                alert.getReviewNotes(), alert.getDisposition() == null ? null : alert.getDisposition().name(), riskCategory,
+                alert.getAlsoMatchedRules(), alert.getHighestSeverity(), matchedRulesOf(alert, riskByRiskRuleId, rulesByCode, findingsByAlertId));
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertWritePlatformService.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.aml.service;
 
+import java.util.List;
 import org.apache.fineract.portfolio.aml.domain.AmlAlert;
 import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
 
@@ -27,4 +28,29 @@ public interface AmlAlertWritePlatformService {
     AmlAlert whitelist(Long alertId, String notes);
 
     AmlStrCase escalate(Long alertId, String notes);
+
+    /**
+     * Escalates several alerts into a single STR case.
+     *
+     * <p>
+     * For a case raised off a customer's repeated behaviour rather than one transaction. Escalating each alert
+     * separately would put one case per transaction in front of the Principal Officer, each holding a fragment of a
+     * pattern that only means anything taken together - and a customer reviewed again a month later would add several
+     * more. An STR to FIU-IND reports the activity, so the case has to hold all of it.
+     *
+     * @param alertIds
+     *            the alerts the pattern is made of; any already covered by a case keep that case
+     * @return the case covering them, or null when every alert was already covered
+     */
+    AmlStrCase escalateAsOneCase(List<Long> alertIds, String notes);
+
+    /**
+     * Decides individual rules within one alert, leaving the rest open.
+     *
+     * @param ruleCodes
+     *            the rules being decided now
+     * @param disposition
+     *            WHITELIST or ESCALATE, applied to each of them
+     */
+    AmlAlert reviewRules(Long alertId, List<String> ruleCodes, String disposition, String notes);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlAlertWritePlatformServiceImpl.java

@@ -19,12 +19,21 @@
 package org.apache.fineract.portfolio.aml.service;
 
 import jakarta.persistence.EntityNotFoundException;
+import java.util.List;
+import java.util.Set;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertDisposition;
 import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRule;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRuleRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertStatus;
 import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseAlertRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
+import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -34,28 +43,200 @@ import org.springframework.transaction.annotation.Transactional;
 public class AmlAlertWritePlatformServiceImpl implements AmlAlertWritePlatformService {
 
     private final AmlAlertRepository alertRepository;
+    private final AmlAlertRuleRepository alertRuleRepository;
     private final AmlStrCaseRepository strCaseRepository;
+    private final AmlStrCaseAlertRepository strCaseAlertRepository;
     private final PlatformSecurityContext context;
     private final ClientRiskEscalationService clientRiskEscalationService;
 
     @Override
     public AmlAlert whitelist(Long alertId, String notes) {
-        final AmlAlert alert = loadAlert(alertId);
+        final AmlAlert alert = loadForDisposal(alertId);
         alert.whitelist(context.authenticatedUser(), notes);
+        decideAllFindings(alertId, AmlAlertDisposition.WHITELIST, notes, true);
         return alertRepository.save(alert);
     }
 
     @Override
     public AmlStrCase escalate(Long alertId, String notes) {
-        final AmlAlert alert = loadAlert(alertId);
+        // loadForDisposal has already refused an alert that was decided, so this can only be reached on an open one.
+        // An STR is about the transaction, and one transaction gets one case.
+        final AmlAlert alert = loadForDisposal(alertId);
         alert.escalate(context.authenticatedUser(), notes);
+        decideAllFindings(alertId, AmlAlertDisposition.ESCALATE, notes, true);
         alertRepository.save(alert);
+        return strCaseRepository.findByAlertId(alertId).orElseGet(() -> openStrCase(alert));
+    }
 
+    private AmlStrCase openStrCase(final AmlAlert alert) {
         final AmlStrCase strCase = strCaseRepository.save(AmlStrCase.openFor(alert));
+        // Recorded in the link table as well as on alert_id, so every case describes what it covers the same way -
+        // a single-transaction case covering one alert, a pattern case covering several.
+        strCaseAlertRepository.save(AmlStrCaseAlert.link(strCase, alert));
         clientRiskEscalationService.onStrCaseEscalated(strCase);
         return strCase;
     }
 
+    @Override
+    public AmlStrCase escalateAsOneCase(final List<Long> alertIds, final String notes) {
+        if (alertIds == null || alertIds.isEmpty()) {
+            return null;
+        }
+
+        final AppUser currentUser = context.authenticatedUser();
+        AmlStrCase strCase = null;
+
+        for (final Long alertId : alertIds) {
+            final AmlAlert alert = loadForDisposal(alertId);
+
+            // An alert already inside a case keeps it. Two cases holding one transaction would reach FIU-IND twice
+            // under two references, and the older case is the one an officer may already have worked on.
+            final AmlStrCaseAlert existing = strCaseAlertRepository.findByAlert_Id(alertId).orElse(null);
+            if (existing != null) {
+                if (strCase == null) {
+                    strCase = existing.getStrCase();
+                }
+                continue;
+            }
+
+            alert.escalate(currentUser, notes);
+            decideAllFindings(alertId, AmlAlertDisposition.ESCALATE, notes, true);
+            alertRepository.save(alert);
+
+            if (strCase == null) {
+                // Opened from the first alert that needed one, which is the oldest: the case is dated and referenced
+                // from where the pattern starts rather than from whichever alert happened to be escalated last.
+                strCase = strCaseRepository.save(AmlStrCase.openFor(alert));
+                clientRiskEscalationService.onStrCaseEscalated(strCase);
+            }
+            strCaseAlertRepository.save(AmlStrCaseAlert.link(strCase, alert));
+        }
+
+        return strCase;
+    }
+
+    /**
+     * Records a decision against individual rules within one alert.
+     *
+     * <p>
+     * A transaction can trip six rules where five are explained by the customer's declared business and the sixth is
+     * not. Deciding those separately is the point; the alert's own status is then derived from what is left - it stays
+     * open while any rule is undecided, because a case with an open finding is not a closed case.
+     *
+     * <p>
+     * Escalating any rule opens the STR case for the transaction, and only one: an STR is about the transaction, not
+     * about each rule that described it. Escalating a second rule on an alert already escalated adds the finding
+     * without opening a duplicate case.
+     */
+    @Override
+    public AmlAlert reviewRules(final Long alertId, final List<String> ruleCodes, final String disposition, final String notes) {
+        final AmlAlert alert = loadForDisposal(alertId);
+        final AmlAlertDisposition decision = AmlAlertDisposition.valueOf(disposition);
+        final List<AmlAlertRule> findings = alertRuleRepository.findByAlertId(alertId);
+
+        final Set<String> requested = Set.copyOf(ruleCodes);
+        // A finding already decided is left alone, for the same reason the alert itself is: the decision recorded
+        // against a rule is the bank's answer on it, and a second pass writing over it would leave the file showing
+        // only whatever was sent last. Asked to decide rules that are all already decided, this refuses rather than
+        // silently doing nothing.
+        final List<AmlAlertRule> targeted = findings.stream()
+                .filter(f -> requested.contains(f.getRuleCode()) && !f.isDecided()).toList();
+        if (targeted.isEmpty()) {
+            throw new IllegalArgumentException(
+                    "No open rules matching " + String.join(", ", ruleCodes) + " on alert " + alertId + " — already decided");
+        }
+        for (final AmlAlertRule finding : targeted) {
+            finding.decide(decision, context.authenticatedUser(), notes, true);
+            alertRuleRepository.save(finding);
+        }
+
+        // Re-read state across every finding, including the ones just written, to decide where the alert now stands.
+        final boolean anyEscalated = findings.stream().anyMatch(AmlAlertRule::isEscalated);
+        final boolean wasEscalated = AmlAlertStatus.ESCALATED.equals(alert.getStatus());
+
+        // Suspicion carries the transaction, whatever else is still open. Waiting for every rule to be decided meant
+        // an officer could mark a withdrawal suspicious and watch the row sit there as RAISED with no STR case, purely
+        // because a second, innocuous rule had not been clicked - the one outcome that must never be delayed. One
+        // suspicious finding makes the transaction suspicious; the remaining rules are then recorded against a case
+        // that is already open.
+        if (anyEscalated) {
+            alert.escalate(context.authenticatedUser(), notes);
+            // The findings left open were carried into the escalation, so nothing is left dangling behind a decided
+            // case - but recorded as carried, not as named. The officer condemned the rule they ticked; the rest were
+            // closed to keep the case consistent, and the record must not claim otherwise.
+            decideAllFindings(alertId, AmlAlertDisposition.ESCALATE, notes, false);
+            alertRepository.save(alert);
+            if (!wasEscalated) {
+                final AmlStrCase strCase = strCaseRepository.save(AmlStrCase.openFor(alert));
+                clientRiskEscalationService.onStrCaseEscalated(strCase);
+            }
+            return alert;
+        }
+
+        // Clearing is the opposite: it only holds once nothing is left to look at. A transaction is not cleared while
+        // one of its rules is still unexamined.
+        //
+        // Statutory rules are not part of that test. A CTR carries no severity because it is not a graded suspicion -
+        // it is a return owed on the amount, filed whether or not the customer is above suspicion - so it is never
+        // offered to the officer to decide. Counting it as unexamined would leave the alert permanently unclearable,
+        // waiting on a judgement that is not the officer's to make.
+        if (!findings.stream().filter(f -> f.getRiskCategory() != null).allMatch(AmlAlertRule::isDecided)) {
+            return alertRepository.save(alert);
+        }
+        alert.whitelist(context.authenticatedUser(), notes);
+        return alertRepository.save(alert);
+    }
+
+    /**
+     * Carries a whole-alert decision down to every finding still open beneath it.
+     *
+     * <p>
+     * Deciding the alert decides everything in it. Without this a case closed from the row would leave its findings
+     * blank, and the expanded pane would show a whitelisted alert whose rules all still read as undecided. Findings
+     * already decided individually keep the decision the officer made about them.
+     */
+    private void decideAllFindings(final Long alertId, final AmlAlertDisposition disposition, final String notes,
+            final boolean directlyDecided) {
+        for (final AmlAlertRule finding : alertRuleRepository.findByAlertId(alertId)) {
+            if (!finding.isDecided()) {
+                finding.decide(disposition, context.authenticatedUser(), notes, directlyDecided);
+                alertRuleRepository.save(finding);
+            }
+        }
+    }
+
+    /**
+     * Loads an alert the current officer is entitled to dispose of.
+     *
+     * <p>
+     * An alert another officer has open is theirs until they decide it or hand it back. Two officers reaching their
+     * own verdicts on one transaction is the failure this prevents - both writes succeed, and the case ends up
+     * recorded as whatever the second one happened to choose. Refusing here rather than in the screen is what makes
+     * it a rule: the screen hides the buttons, but the endpoint is what enforces it.
+     */
+    private AmlAlert loadForDisposal(final Long alertId) {
+        final AmlAlert alert = loadAlert(alertId);
+
+        // A disposition is final. Whitelisting or escalating an alert is the bank's recorded answer to a flagged
+        // transaction - an escalation has already opened an STR case and re-rated the customer - and letting a second
+        // officer write over it would leave the file saying whatever was submitted last, with the earlier decision and
+        // the reasoning behind it simply gone. Anything that genuinely has to be revisited is reopened deliberately,
+        // through the STR case, where the change is itself recorded.
+        final AmlAlertStatus status = alert.getStatus();
+        if (AmlAlertStatus.WHITELISTED.equals(status) || AmlAlertStatus.ESCALATED.equals(status)) {
+            throw new IllegalStateException("Alert " + alertId + " was already " + status.name().toLowerCase() + " by "
+                    + (alert.getReviewedBy() == null ? "another officer" : alert.getReviewedBy().getUsername())
+                    + " and cannot be decided again");
+        }
+
+        final AppUser current = context.authenticatedUser();
+        if (alert.isHeldByAnother(current)) {
+            throw new IllegalStateException("Alert " + alertId + " is being reviewed by "
+                    + alert.getReviewedBy().getUsername() + " and cannot be decided by another officer until they release it");
+        }
+        return alert;
+    }
+
     private AmlAlert loadAlert(Long alertId) {
         return alertRepository.findById(alertId)
                 .orElseThrow(() -> new EntityNotFoundException("AML alert " + alertId + " does not exist"));

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportGenerationService.java

@@ -26,11 +26,13 @@ import java.util.ArrayList;
 import java.util.HashMap;
 import java.util.List;
 import java.util.Map;
+import java.util.Optional;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReport;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReportLine;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReportLineRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReportRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlCtrReportStatus;
 import org.apache.fineract.portfolio.aml.domain.AmlTransactionType;
 import org.apache.fineract.portfolio.aml.repository.AmlLoanTransactionQueryRepository;
 import org.apache.fineract.portfolio.aml.repository.AmlSavingsTransactionQueryRepository;
@@ -66,8 +68,21 @@ public class AmlCtrReportGenerationService {
 
     public AmlCtrReport generateForMonth(YearMonth month) {
         final String reportMonth = month.toString();
-        if (ctrReportRepository.findByReportMonth(reportMonth).isPresent()) {
-            throw new IllegalStateException("CTR report for " + reportMonth + " has already been generated");
+        // A month can be rebuilt while its report is still a draft, and must not be once it has been submitted.
+        // Refusing outright was the safer-looking rule and the wrong one: the batch is a snapshot, so a cash
+        // transaction posted after it ran belonged to that month's filing and could never be added to it - the report
+        // was permanently short of a transaction the bank is obliged to report. Regenerating a draft replaces its
+        // lines with what the month now holds; a submitted report is left exactly as filed.
+        final Optional<AmlCtrReport> existing = ctrReportRepository.findByReportMonth(reportMonth);
+        if (existing.isPresent()) {
+            final AmlCtrReport report = existing.get();
+            if (AmlCtrReportStatus.SUBMITTED.equals(report.getStatus())) {
+                throw new IllegalStateException(
+                        "CTR report for " + reportMonth + " has been submitted to FIU-IND and cannot be regenerated");
+            }
+            ctrReportLineRepository.deleteAll(ctrReportLineRepository.findByCtrReport_Id(report.getId()));
+            ctrReportRepository.delete(report);
+            ctrReportRepository.flush();
         }
 
         final LocalDate start = month.atDay(1);

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportReadPlatformService.java

@@ -20,8 +20,26 @@ package org.apache.fineract.portfolio.aml.service;
 
 import java.util.List;
 import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportLineData;
 
 public interface AmlCtrReportReadPlatformService {
 
     List<AmlCtrReportData> retrieveAll();
+
+    /**
+     * The reportable lines, resolved to the account, customer and branch a filing names.
+     *
+     * @param reportId
+     *            one month's report, or null for every generated month
+     */
+    List<AmlCtrReportLineData> retrieveLines(Long reportId);
+
+    /**
+     * Reportable cash transactions that no generated report contains yet.
+     *
+     * <p>
+     * The monthly batch is a snapshot; anything posted after it runs belongs to that month's filing but sits in no
+     * report until the month is regenerated. These are those transactions, so a reportable one is never invisible.
+     */
+    List<AmlCtrReportLineData> retrievePendingLines();
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlCtrReportReadPlatformServiceImpl.java

@@ -18,13 +18,18 @@
  */
 package org.apache.fineract.portfolio.aml.service;
 
+import java.math.BigDecimal;
+import java.util.ArrayList;
 import java.util.Comparator;
 import java.util.List;
 import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.portfolio.aml.data.AmlCtrReportData;
+import org.apache.fineract.portfolio.aml.data.AmlCtrReportLineData;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReport;
 import org.apache.fineract.portfolio.aml.domain.AmlCtrReportRepository;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.jdbc.core.RowMapper;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -33,7 +38,90 @@ import org.springframework.transaction.annotation.Transactional;
 @Transactional(readOnly = true)
 public class AmlCtrReportReadPlatformServiceImpl implements AmlCtrReportReadPlatformService {
 
+    /**
+     * Savings transaction type 1 is a deposit and 2 a withdrawal; a CTR names which way the cash
+     * moved, so the line says so rather than leaving the reader to infer it from the amount.
+     */
+    private static final String LINES_SQL = """
+            SELECT l.id, l.ctr_report_id, r.report_month, l.transaction_type, l.transaction_id,
+                   l.client_id, c.display_name AS client_name, l.amount, l.is_connected_group,
+                   sa.account_no AS account_no, o.name AS branch_name, t.transaction_date,
+                   CASE WHEN t.transaction_type_enum = 1 THEN 'Deposit'
+                        WHEN t.transaction_type_enum = 2 THEN 'Withdrawal' END AS direction,
+                   sa.activatedon_date AS account_opened_on,
+                   sa.closedon_date AS account_closed_on,
+                   CASE sa.status_enum WHEN 100 THEN 'SUBMITTED' WHEN 200 THEN 'APPROVED'
+                        WHEN 300 THEN 'ACTIVE' WHEN 400 THEN 'WITHDRAWN' WHEN 500 THEN 'REJECTED'
+                        WHEN 600 THEN 'CLOSED' WHEN 700 THEN 'PRE-MATURE CLOSED'
+                        WHEN 800 THEN 'MATURED' END AS account_status,
+                   k.ckyc_number AS ckyc_number,
+                   -- The customer's own reference for the filing: CKYC number if the record carries
+                   -- one, else the CIF the bank knows them by. Never blank, because a relation row
+                   -- that identifies nobody cannot be reconciled against the customer card.
+                   COALESCE(NULLIF(c.external_id, ''), c.account_no) AS client_external_id,
+                   COALESCE(c.legal_form_enum, 1) = 1 AS individual
+              FROM m_aml_ctr_report_line l
+              JOIN m_aml_ctr_report r ON r.id = l.ctr_report_id
+              JOIN m_client c ON c.id = l.client_id
+              LEFT JOIN m_office o ON o.id = c.office_id
+              LEFT JOIN m_client_kyc k ON k.client_id = c.id
+              LEFT JOIN m_savings_account_transaction t
+                     ON t.id = l.transaction_id AND l.transaction_type = 'SAVINGS'
+              LEFT JOIN m_savings_account sa ON sa.id = t.savings_account_id
+            """;
+
+    /**
+     * Cash transactions that a CTR must name but that no generated report contains yet.
+     *
+     * <p>
+     * The monthly batch takes a snapshot the moment it runs. A ₹15,00,000 cash deposit posted after that run belongs
+     * to the same month's filing and appears nowhere - not in the report, not on the FIU screen - until someone thinks
+     * to regenerate. A reportable transaction that is invisible is the one failure this report cannot have, so it is
+     * listed here as pending: shaped exactly like a generated line, with no report behind it.
+     *
+     * <p>
+     * Individually-reportable transactions only. A connected group is an arithmetic fact about a whole month and
+     * cannot be decided while the month is still running.
+     */
+    private static final String PENDING_LINES_SQL = """
+            SELECT NULL::bigint AS id, NULL::bigint AS ctr_report_id,
+                   to_char(t.transaction_date, 'YYYY-MM') AS report_month,
+                   'SAVINGS' AS transaction_type, t.id AS transaction_id,
+                   c.id AS client_id, c.display_name AS client_name, t.amount, false AS is_connected_group,
+                   sa.account_no AS account_no, o.name AS branch_name, t.transaction_date,
+                   CASE WHEN t.transaction_type_enum = 1 THEN 'Deposit'
+                        WHEN t.transaction_type_enum = 2 THEN 'Withdrawal' END AS direction,
+                   sa.activatedon_date AS account_opened_on,
+                   sa.closedon_date AS account_closed_on,
+                   CASE sa.status_enum WHEN 100 THEN 'SUBMITTED' WHEN 200 THEN 'APPROVED'
+                        WHEN 300 THEN 'ACTIVE' WHEN 400 THEN 'WITHDRAWN' WHEN 500 THEN 'REJECTED'
+                        WHEN 600 THEN 'CLOSED' WHEN 700 THEN 'PRE-MATURE CLOSED'
+                        WHEN 800 THEN 'MATURED' END AS account_status,
+                   k.ckyc_number AS ckyc_number,
+                   COALESCE(NULLIF(c.external_id, ''), c.account_no) AS client_external_id,
+                   COALESCE(c.legal_form_enum, 1) = 1 AS individual
+              FROM m_savings_account_transaction t
+              JOIN m_savings_account sa ON sa.id = t.savings_account_id
+              JOIN m_client c ON c.id = sa.client_id
+              LEFT JOIN m_office o ON o.id = c.office_id
+              LEFT JOIN m_client_kyc k ON k.client_id = c.id
+              JOIN m_payment_detail pd ON pd.id = t.payment_detail_id
+              JOIN m_payment_type pt ON pt.id = pd.payment_type_id
+             WHERE pt.is_cash_payment = true
+               AND t.is_reversed = false
+               AND t.transaction_type_enum IN (1, 2)
+               AND t.amount >= ?
+               AND NOT EXISTS (
+                     SELECT 1 FROM m_aml_ctr_report_line el
+                      WHERE el.transaction_type = 'SAVINGS' AND el.transaction_id = t.id)
+             ORDER BY t.transaction_date DESC, t.amount DESC, t.id
+            """;
+
+    /** The CTR line: ₹10,00,000 in a single cash transaction. Mirrors AmlCtrReportGenerationService. */
+    private static final BigDecimal CTR_THRESHOLD = new BigDecimal("1000000");
+
     private final AmlCtrReportRepository repository;
+    private final JdbcTemplate jdbcTemplate;
 
     @Override
     public List<AmlCtrReportData> retrieveAll() {
@@ -41,6 +129,46 @@ public class AmlCtrReportReadPlatformServiceImpl implements AmlCtrReportReadPlat
                 .map(this::mapToData).collect(Collectors.toList());
     }
 
+    @Override
+    public List<AmlCtrReportLineData> retrieveLines(final Long reportId) {
+        final StringBuilder sql = new StringBuilder(LINES_SQL);
+        final List<Object> args = new ArrayList<>();
+        if (reportId != null) {
+            sql.append(" WHERE l.ctr_report_id = ? ");
+            args.add(reportId);
+        }
+        // Largest first: the line most likely to be questioned is the one the reviewer reads first.
+        sql.append(" ORDER BY r.report_month DESC, l.amount DESC, l.id ");
+
+        return jdbcTemplate.query(sql.toString(), LINE_MAPPER, args.toArray());
+    }
+
+    /**
+     * Reportable cash transactions no generated report contains yet.
+     *
+     * <p>
+     * Shaped as lines so the FIU screen can show them beside the filed ones, but with a null id and report id: they
+     * are not in a filing, and nothing here pretends they are. The filing is still made by generating the month, which
+     * is what makes them disappear from this list.
+     */
+    @Override
+    public List<AmlCtrReportLineData> retrievePendingLines() {
+        return jdbcTemplate.query(PENDING_LINES_SQL, LINE_MAPPER, CTR_THRESHOLD);
+    }
+
+    /** Shared by both queries, which select the same columns so a pending line renders like a filed one. */
+    private static final RowMapper<AmlCtrReportLineData> LINE_MAPPER = (rs, rowNum) -> new AmlCtrReportLineData(
+            rs.getObject("id") == null ? null : rs.getLong("id"),
+            rs.getObject("ctr_report_id") == null ? null : rs.getLong("ctr_report_id"), rs.getString("report_month"),
+            rs.getString("transaction_type"), rs.getObject("transaction_id") == null ? null : rs.getLong("transaction_id"),
+            rs.getLong("client_id"), rs.getString("client_name"), rs.getString("account_no"), rs.getString("branch_name"),
+            rs.getDate("transaction_date") == null ? null : rs.getDate("transaction_date").toLocalDate(), rs.getString("direction"),
+            rs.getBigDecimal("amount"), rs.getBoolean("is_connected_group"),
+            rs.getDate("account_opened_on") == null ? null : rs.getDate("account_opened_on").toLocalDate(),
+            rs.getDate("account_closed_on") == null ? null : rs.getDate("account_closed_on").toLocalDate(),
+            rs.getString("account_status"), rs.getString("ckyc_number"), rs.getString("client_external_id"),
+            rs.getBoolean("individual"));
+
     private AmlCtrReportData mapToData(AmlCtrReport report) {
         return new AmlCtrReportData(report.getId(), report.getReportMonth(), report.getGeneratedOn(), report.getRecordCount(),
                 report.getFileReference(), report.getStatus().name(), report.getSubmittedOn());

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlRecurringAlertReadPlatformServiceImpl.java

@@ -79,9 +79,11 @@ public class AmlRecurringAlertReadPlatformServiceImpl implements AmlRecurringAle
             final List<AmlAlertData> alerts = byClient.get(clientId);
             final AmlRecurringReview lastReview = this.reviewRepository.findByClient_IdOrderByReviewedOnDesc(clientId).stream().findFirst()
                     .orElse(null);
-            // Reviewed at a lower count means new alerts have landed since — the customer has to
-            // come back, otherwise one early review would silence them permanently.
-            final boolean needsReview = lastReview == null || alerts.size() > lastReview.getAlertCountAtReview();
+            // A standing review holds the customer out until its window runs out, or until their behaviour has moved
+            // on far enough that it no longer describes them - see AmlRecurringReview#stillStands. It used to lapse on
+            // the very next alert, which brought a customer whose ordinary business trips a rule weekly straight back
+            // the day after being reviewed, for the officer to re-read the explanation they had just written.
+            final boolean needsReview = lastReview == null || !lastReview.stillStands(alerts.size());
             if (onlyNeedingReview && !needsReview) {
                 continue;
             }
@@ -91,7 +93,9 @@ public class AmlRecurringAlertReadPlatformServiceImpl implements AmlRecurringAle
                     summary.riskCategory(), alerts.size(),
                     (int) alerts.stream().filter(a -> a.riskCategory() != null && a.riskCategory() == HIGH_RISK).count(),
                     (int) alerts.stream().map(AmlAlertData::ruleCode).distinct().count(),
-                    (int) alerts.stream().filter(a -> "RAISED".equals(a.status()) || "UNDER_REVIEW".equals(a.status())).count(),
+                    // Open means undecided, not a named status: a status this count does not list would otherwise be
+                    // dropped from the customer's open figure while the alert still sits in the feed awaiting review.
+                    (int) alerts.stream().filter(a -> !"WHITELISTED".equals(a.status()) && !"ESCALATED".equals(a.status())).count(),
                     (int) alerts.stream().filter(a -> "ESCALATED".equals(a.status())).count(),
                     alerts.stream().map(AmlAlertData::amount).filter(x -> x != null).reduce(BigDecimal.ZERO, BigDecimal::add),
                     alerts.stream().map(AmlAlertData::raisedOn).min(Comparator.naturalOrder()).orElse(null),

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlRecurringAlertWritePlatformServiceImpl.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.aml.service;
 
+import java.time.LocalDateTime;
 import java.util.ArrayList;
 import java.util.List;
 import lombok.RequiredArgsConstructor;
@@ -26,6 +27,8 @@ 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.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlRecurringReview;
 import org.apache.fineract.portfolio.aml.domain.AmlRecurringReviewOutcome;
 import org.apache.fineract.portfolio.aml.domain.AmlRecurringReviewRepository;
@@ -45,6 +48,8 @@ public class AmlRecurringAlertWritePlatformServiceImpl implements AmlRecurringAl
     private final AmlRecurringAlertReadPlatformService readPlatformService;
     private final ClientRepositoryWrapper clientRepository;
     private final PlatformSecurityContext context;
+    private final AmlAlertRepository alertRepository;
+    private final AmlAlertWritePlatformService alertWritePlatformService;
 
     @Override
     @Transactional
@@ -59,9 +64,58 @@ public class AmlRecurringAlertWritePlatformServiceImpl implements AmlRecurringAl
 
         final AmlRecurringReview review = AmlRecurringReview.record(client, alertCount, parsedOutcome, notes.trim(),
                 this.context.authenticatedUser());
+
+        // The outcome now does what its name says. It used to do nothing at all: all three choices wrote the same row
+        // and the alerts were left exactly as they were, so an officer who chose ESCALATED believed they had raised an
+        // STR while the alerts sat untouched and no case ever reached the Principal Officer.
+        final int actioned = applyOutcomeToOpenAlerts(clientId, parsedOutcome, notes.trim(), window);
+        review.recordAlertsActioned(actioned);
+
         return this.reviewRepository.saveAndFlush(review).getId();
     }
 
+    /**
+     * Carries the reviewer's conclusion through to the customer's open alerts.
+     *
+     * <pre>
+     *   CLEARED    every open alert is whitelisted - the behaviour was explained, so nothing is left outstanding
+     *   ESCALATED  every open alert is escalated, which opens an STR case for the Principal Officer
+     *   MONITOR    nothing is disposed of - the point of monitoring is that the alerts stay open
+     * </pre>
+     *
+     * Each alert is disposed of individually rather than in bulk, because whitelist() and escalate() already carry the
+     * audit trail, the per-rule findings and the STR-case handling that a review has to leave behind. Reproducing any
+     * of that here would be a second, quieter path to the same records.
+     */
+    private int applyOutcomeToOpenAlerts(final Long clientId, final AmlRecurringReviewOutcome outcome, final String notes,
+            final int windowDays) {
+
+        if (AmlRecurringReviewOutcome.MONITOR.equals(outcome)) {
+            return 0;
+        }
+
+        final LocalDateTime since = LocalDateTime.now().minusDays(windowDays);
+        final List<AmlAlert> openAlerts = this.alertRepository.findOpenAlertsForClientSince(clientId, since);
+
+        final String trail = "Recurring-behaviour review: " + notes;
+
+        if (AmlRecurringReviewOutcome.ESCALATED.equals(outcome)) {
+            // One case for the whole pattern, not one per transaction. What is being reported is the customer's
+            // repeated activity, and the Principal Officer investigating it needs the transactions that make it up
+            // together - a case per alert would hand them four fragments of one story, and five more the next time
+            // this customer was reviewed.
+            this.alertWritePlatformService.escalateAsOneCase(openAlerts.stream().map(AmlAlert::getId).toList(), trail);
+            return openAlerts.size();
+        }
+
+        int actioned = 0;
+        for (final AmlAlert alert : openAlerts) {
+            this.alertWritePlatformService.whitelist(alert.getId(), trail);
+            actioned++;
+        }
+        return actioned;
+    }
+
     private AmlRecurringReviewOutcome validate(final Long clientId, final String outcome, final String notes) {
         final List<ApiParameterError> errors = new ArrayList<>();
         final DataValidatorBuilder validator = new DataValidatorBuilder(errors).resource(RESOURCE);

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlRuleEvaluationServiceImpl.java

@@ -20,16 +20,27 @@ package org.apache.fineract.portfolio.aml.service;
 
 import java.math.BigDecimal;
 import java.util.ArrayList;
+import java.util.Comparator;
+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.service.DateUtils;
+import org.apache.fineract.portfolio.aml.data.AmlDirection;
 import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
 import org.apache.fineract.portfolio.aml.domain.AmlAlert;
 import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRule;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRuleRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlAppliesTo;
 import org.apache.fineract.portfolio.aml.domain.AmlTransactionRule;
 import org.apache.fineract.portfolio.aml.domain.AmlTransactionRuleRepository;
 import org.apache.fineract.portfolio.client.domain.ClientKyc;
 import org.apache.fineract.portfolio.client.domain.ClientKycRepository;
+import org.apache.fineract.portfolio.client.domain.ClientRiskRule;
+import org.apache.fineract.portfolio.client.domain.ClientRiskRuleRepository;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Propagation;
 import org.springframework.transaction.annotation.Transactional;
@@ -50,10 +61,41 @@ public class AmlRuleEvaluationServiceImpl implements AmlRuleEvaluationService {
     private static final int MEDIUM_RISK = 2;
     private static final int HIGH_RISK = 3;
 
+    /**
+     * Rules that carry a filing obligation in their own right, whatever else the transaction also
+     * matched.
+     *
+     * <p>
+     * A CTR is not a suspicion - it is a return the bank owes FIU-IND on any cash transaction at or
+     * above ten lakh, and it is filed whether or not the customer is above suspicion. Letting a
+     * behavioural rule outrank it would bury a statutory filing behind an internal observation.
+     */
+    private static final Set<String> STATUTORY_RULE_CODES = Set.of("CTR_THRESHOLD_10L", "LARGE_CASH_TXN_25L",
+            "STRUCTURED_CTR_10L_MONTHLY");
+
+    /**
+     * Which rule an alert is raised under when a transaction matches several.
+     *
+     * <p>
+     * Statutory reporting first, because those must be filed. Then the largest threshold, which is
+     * the system's own measure of how far out of the ordinary the transaction is - a rule written
+     * for ₹25,00,000 is describing something graver than one written for ₹50,000. Rule code last,
+     * so the same transaction always reports under the same rule rather than shifting with whatever
+     * order the database returned.
+     */
+    private static final Comparator<AmlTransactionRule> RULE_PRECEDENCE = Comparator
+            .comparing((AmlTransactionRule r) -> STATUTORY_RULE_CODES.contains(r.getRuleCode()) ? 0 : 1)
+            .thenComparing(r -> r.getThresholdAmount() == null ? BigDecimal.valueOf(-1) : r.getThresholdAmount(),
+                    Comparator.reverseOrder())
+            .thenComparing(AmlTransactionRule::getRuleCode);
+
     private final AmlTransactionRuleRepository ruleRepository;
     private final AmlAlertRepository alertRepository;
+    private final AmlAlertRuleRepository alertRuleRepository;
     private final ClientKycRepository clientKycRepository;
+    private final ClientRiskRuleRepository clientRiskRuleRepository;
     private final AmlRecurringAlertNotificationService recurringAlertNotificationService;
+    private final AmlSubjectScopeResolver subjectScopeResolver;
 
     @Override
     public List<AmlAlert> evaluate(AmlTransactionContext context) {
@@ -61,15 +103,55 @@ public class AmlRuleEvaluationServiceImpl implements AmlRuleEvaluationService {
         candidates.addAll(ruleRepository.findByActiveTrueAndAppliesTo(context.getTransactionType().name()));
         candidates.addAll(ruleRepository.findByActiveTrueAndAppliesTo(AmlAppliesTo.ALL.name()));
 
-        final List<AmlAlert> raised = new ArrayList<>();
+        final List<AmlTransactionRule> matched = new ArrayList<>();
         for (final AmlTransactionRule rule : candidates) {
             if (isHit(rule, context)) {
-                final AmlAlert alert = AmlAlert.raise(context.getTransactionType(), context.getTransactionId(), context.getClient(), rule,
-                        context.getAmount(), context.getCurrencyCode(), context.getOccurredOn());
-                raised.add(alertRepository.save(alert));
+                matched.add(rule);
             }
         }
 
+        final List<AmlAlert> raised = new ArrayList<>();
+        if (!matched.isEmpty()) {
+            // One transaction, one alert. Raising one per matched rule meant a single ₹12,00,000
+            // cash deposit arrived as two open alerts - the CTR and the new-account rule - and the
+            // officer had to dispose of each. Nothing stopped them whitelisting one while
+            // escalating the other, leaving the same deposit recorded as both cleared and
+            // suspicious. A monitoring system reports a transaction once, under the rule that most
+            // warrants attention.
+            matched.sort(RULE_PRECEDENCE);
+            final AmlTransactionRule governing = matched.get(0);
+
+            // When the alert was raised, not the transaction's value date. The context carries the date the
+            // transaction is booked to, which is a LocalDate widened to midnight - so every alert on the screen read
+            // "00:00", and two alerts minutes apart were indistinguishable. A monitoring feed is ordered by when it
+            // noticed something; the value date is still on the transaction the alert points at.
+            final AmlAlert alert = AmlAlert.raise(context.getTransactionType(), context.getTransactionId(), context.getClient(),
+                    governing, context.getAmount(), context.getCurrencyCode(), DateUtils.getLocalDateTimeOfTenant());
+            // The rules that did not govern are still recorded: an analyst needs to see that the
+            // deposit was both reportable and on a new account, even though it is one case.
+            if (matched.size() > 1) {
+                alert.recordAlsoMatchedRules(
+                        matched.stream().skip(1).map(AmlTransactionRule::getRuleCode).collect(Collectors.joining(", ")));
+            }
+            // The worst band across everything that matched, not only the rule the alert was raised
+            // under. A statutory CTR outranks a high-severity behavioural rule when the governing
+            // rule is picked, so without this the screen would see "CTR, no severity" and offer the
+            // transaction up for a batch decision alongside ordinary low-value alerts.
+            final Map<Long, Integer> bandBySourceId = severityBySourceRuleId(matched);
+            alert.recordHighestSeverity(highestSeverityOf(bandBySourceId));
+            final AmlAlert saved = alertRepository.save(alert);
+
+            // One finding per rule, so each can be disposed of on its own. Severity is copied in
+            // rather than read back through the rule later: the alert records what was detected at
+            // the time, and re-banding a rule afterwards must not rewrite that.
+            for (final AmlTransactionRule rule : matched) {
+                final Long sourceId = rule.getSourceClientRiskRuleId();
+                alertRuleRepository.save(AmlAlertRule.of(saved, rule.getRuleCode(),
+                        sourceId == null ? null : bandBySourceId.get(sourceId), rule == governing));
+            }
+            raised.add(saved);
+        }
+
         // Every transaction type funnels through here, so the recurring-behaviour check is done once
         // in one place rather than repeated in each of the savings / loan / transfer callers. Passing
         // the batch size lets the service tell a first-time offender from a repeat one without
@@ -80,7 +162,49 @@ public class AmlRuleEvaluationServiceImpl implements AmlRuleEvaluationService {
         return raised;
     }
 
+    /**
+     * The worst severity band among the rules that matched.
+     *
+     * <p>
+     * A transaction rule carries no severity of its own; it inherits the risk category of the
+     * catalog entry it was derived from. Rules with no catalog ancestor - the CTR rules - contribute
+     * nothing, because a statutory return is not a graded suspicion. Null when none of the matched
+     * rules carried a severity at all.
+     */
+    private Integer highestSeverityOf(final Map<Long, Integer> bandBySourceId) {
+        Integer worst = null;
+        for (final Integer band : bandBySourceId.values()) {
+            if (band != null && (worst == null || band > worst)) {
+                worst = band;
+            }
+        }
+        return worst;
+    }
+
+    /**
+     * Severity of each matched rule's catalog ancestor, keyed on {@code m_client_risk_rule.id}.
+     *
+     * <p>
+     * Read once and used twice - for the alert's own highest-severity figure and for the per-rule findings written
+     * beneath it - rather than querying the catalog twice for the same rows.
+     */
+    private Map<Long, Integer> severityBySourceRuleId(final List<AmlTransactionRule> matched) {
+        final List<Long> sourceIds = matched.stream().map(AmlTransactionRule::getSourceClientRiskRuleId).filter(id -> id != null)
+                .distinct().toList();
+        if (sourceIds.isEmpty()) {
+            return Map.of();
+        }
+        final Map<Long, Integer> bandById = new HashMap<>();
+        for (final ClientRiskRule catalogRule : clientRiskRuleRepository.findAllById(sourceIds)) {
+            bandById.put(catalogRule.getId(), catalogRule.getRiskCategory());
+        }
+        return bandById;
+    }
+
     private boolean isHit(AmlTransactionRule rule, AmlTransactionContext context) {
+        if (!appliesToThisTransaction(rule, context)) {
+            return false;
+        }
         final BigDecimal threshold = resolveThreshold(rule, context);
         if (threshold == null) {
             // Pattern-only VELOCITY rules (e.g. same-day movement) need bespoke detection logic
@@ -91,14 +215,125 @@ public class AmlRuleEvaluationServiceImpl implements AmlRuleEvaluationService {
             case THRESHOLD:
                 return context.getAmount().compareTo(threshold) >= 0;
             case STRUCTURING:
+                return isStructuringHit(rule, context, threshold);
             case VELOCITY:
-                return context.getWindowAggregateAmount() != null
-                        && context.getWindowAggregateAmount().compareTo(threshold) >= 0;
+                return isVelocityHit(rule, context, threshold);
             default:
                 return false;
         }
     }
 
+    /**
+     * Whether this rule is about this transaction at all, before any amount is compared.
+     *
+     * <p>
+     * Everything below was previously unchecked, so a rule matched on amount alone: one ₹12,00,000
+     * cash deposit raised ten alerts, of which one was the genuine CTR hit and nine — "frequent low
+     * cash WITHDRAWAL", "charitable organisation", "PEP account" and the rest — were about
+     * transactions this was not. An analyst who cannot tell which of ten alerts is real stops
+     * reading them, and that is how a real one gets missed.
+     */
+    private boolean appliesToThisTransaction(AmlTransactionRule rule, AmlTransactionContext context) {
+        // A cash-reporting rule is about physical cash. A transfer or a cheque is traceable by
+        // definition and is not what CTR exists to catch.
+        if (rule.isCashOnly() && !context.isCash()) {
+            return false;
+        }
+        // Direction, where the rule names one. UNKNOWN means the caller could not establish it, so
+        // the filter is not applied rather than guessed at.
+        final String ruleDirection = rule.getDirection();
+        if (ruleDirection != null && context.getDirection() != AmlDirection.UNKNOWN
+                && !ruleDirection.equalsIgnoreCase(context.getDirection().name())) {
+            return false;
+        }
+        // And who the rule is about, for rules named after an entity rather than an amount.
+        // PEP_ACCOUNT_MONITORING was raised against an ordinary salaried customer because nothing
+        // here asked whether that customer was politically exposed.
+        return subjectScopeResolver.matches(rule.getSubjectScope(), context);
+    }
+
+    /**
+     * Structuring: many transactions each deliberately kept below a reporting threshold, summing
+     * to something that would have been reportable had it been done at once.
+     *
+     * <p>
+     * Two things separate it from one large transaction, and neither was being checked. The count:
+     * a pattern needs several transactions, so a single deposit is never structuring however large.
+     * And the band: each transaction has to sit in the rule's own min/max window — a ₹12,00,000
+     * deposit is not an instance of "splitting deposits just below ₹50,000", which is exactly what
+     * that rule used to report it as.
+     */
+    private boolean isStructuringHit(AmlTransactionRule rule, AmlTransactionContext context, BigDecimal threshold) {
+        if (context.getWindowAggregateAmount() == null) {
+            return false;
+        }
+        if (!isWithinRuleBand(rule, context.getAmount())) {
+            return false;
+        }
+        // Counted and summed over the rule's own band, not over the window as a whole. A window
+        // holding three ordinary small deposits and one ₹12,00,000 satisfies "three or more" and a
+        // ₹10,00,000 total on the raw figures, and that is how one large deposit came to be
+        // reported as structuring: none of the four was in the band the rule describes.
+        final List<BigDecimal> inBand = context.getWindowAmounts().stream().filter(a -> isWithinRuleBand(rule, a)).toList();
+        if (!hasEnoughTransactions(rule, inBand.size())) {
+            return false;
+        }
+        return inBand.stream().reduce(BigDecimal.ZERO, BigDecimal::add).compareTo(threshold) >= 0;
+    }
+
+    /**
+     * Velocity: an unusual number of transactions in a short window, whatever each one is worth.
+     *
+     * <p>
+     * Like structuring it needs a count — one transaction is not a velocity — but unlike structuring
+     * the individual amounts are not confined to a band, since the concern is the frequency itself.
+     */
+    private boolean isVelocityHit(AmlTransactionRule rule, AmlTransactionContext context, BigDecimal threshold) {
+        if (context.getWindowAggregateAmount() == null) {
+            return false;
+        }
+        // Also confined to the band, for the same reason: "frequent LOW cash deposit" is about a run
+        // of small ones, and a single ₹12,00,000 is not an instance of it however often the account
+        // is used.
+        if (!isWithinRuleBand(rule, context.getAmount())) {
+            return false;
+        }
+        final List<BigDecimal> inBand = context.getWindowAmounts().stream().filter(a -> isWithinRuleBand(rule, a)).toList();
+        if (!hasEnoughTransactions(rule, inBand.size())) {
+            return false;
+        }
+        return inBand.stream().reduce(BigDecimal.ZERO, BigDecimal::add).compareTo(threshold) >= 0;
+    }
+
+    /**
+     * Whether this transaction sits inside the band the rule describes.
+     *
+     * <p>
+     * A rule with no band stated matches any amount, which is how these rules behaved before the
+     * columns existed and is what a rule that only names a window total still means.
+     */
+    private boolean isWithinRuleBand(AmlTransactionRule rule, BigDecimal amount) {
+        final BigDecimal min = rule.getMinLimitAmount();
+        final BigDecimal max = rule.getMaxLimitAmount();
+        if (min != null && amount.compareTo(min) < 0) {
+            return false;
+        }
+        return max == null || amount.compareTo(max) <= 0;
+    }
+
+    /**
+     * Whether enough transactions have happened in the window to call this a pattern.
+     *
+     * <p>
+     * A rule that states no minimum keeps the old behaviour; the seeded pattern rules all state 3,
+     * because two large deposits in a month is ordinary business and RBI's own wording is
+     * "numerous".
+     */
+    private boolean hasEnoughTransactions(AmlTransactionRule rule, int countInBand) {
+        final Integer minimum = rule.getMinTransactionCount();
+        return minimum == null || minimum <= 1 || countInBand >= minimum;
+    }
+
     /**
      * Rules with both tiered columns null use {@code thresholdAmount} for every client, unchanged
      * from prior behaviour. Tiered rules look up the transacting client's current KYC risk category

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlStrCaseWritePlatformServiceImpl.java

@@ -20,9 +20,15 @@ package org.apache.fineract.portfolio.aml.service;
 
 import jakarta.persistence.EntityNotFoundException;
 import java.time.LocalDate;
+import java.util.List;
+import java.util.stream.Collectors;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.aml.domain.AmlAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlAlertRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlStrCase;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseAlert;
+import org.apache.fineract.portfolio.aml.domain.AmlStrCaseAlertRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlStrCaseRepository;
 import org.apache.fineract.portfolio.aml.domain.AmlStrConclusion;
 import org.apache.fineract.useradministration.domain.AppUser;
@@ -36,6 +42,8 @@ import org.springframework.transaction.annotation.Transactional;
 public class AmlStrCaseWritePlatformServiceImpl implements AmlStrCaseWritePlatformService {
 
     private final AmlStrCaseRepository strCaseRepository;
+    private final AmlStrCaseAlertRepository strCaseAlertRepository;
+    private final AmlAlertRepository alertRepository;
     private final AppUserRepository appUserRepository;
     private final PlatformSecurityContext context;
     private final StrSlaCalculator strSlaCalculator;
@@ -58,7 +66,36 @@ public class AmlStrCaseWritePlatformServiceImpl implements AmlStrCaseWritePlatfo
                 ? strSlaCalculator.calculateFiuDueDate(concludedOn, strCase.getClient().officeId())
                 : null;
         strCase.conclude(principalOfficer, conclusion, investigationNotes, sourceOfFundsNotes, concludedOn, fiuDueDate);
-        return strCaseRepository.save(strCase);
+        final AmlStrCase saved = strCaseRepository.save(strCase);
+
+        // The conclusion is the answer to the referral, so it goes back to the alerts that raised it. A case concluded
+        // clear leaves those transactions reading as suspicious on the AML feed until this runs - the bank would have
+        // decided one thing and the screen an officer works from would say another.
+        final boolean suspicious = conclusion == AmlStrConclusion.SUSPICIOUS;
+        final String note = "Principal Officer concluded " + (suspicious ? "suspicious" : "clear")
+                + (investigationNotes == null || investigationNotes.isBlank() ? "" : " — " + investigationNotes);
+        for (final AmlAlert alert : alertsOf(saved)) {
+            alert.applyStrConclusion(suspicious, principalOfficer, note);
+            alertRepository.save(alert);
+        }
+        return saved;
+    }
+
+    /**
+     * Every alert the case covers.
+     *
+     * <p>
+     * Read from the link table, which holds one row per alert: a pattern case is opened over several alerts, and
+     * concluding it has to answer all of them rather than only the one whose id happens to sit on the case.
+     */
+    private List<AmlAlert> alertsOf(final AmlStrCase strCase) {
+        final List<AmlAlert> covered = strCaseAlertRepository.findByStrCase_IdOrderByAlert_RaisedOnAsc(strCase.getId()).stream()
+                .map(AmlStrCaseAlert::getAlert).collect(Collectors.toList());
+        // Cases opened before the link table existed carry only alert_id.
+        if (covered.isEmpty() && strCase.getAlert() != null) {
+            covered.add(strCase.getAlert());
+        }
+        return covered;
     }
 
     @Override

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/AmlSubjectScopeResolver.java

@@ -0,0 +1,136 @@
+/**
+ * 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.aml.service;
+
+import java.time.LocalDate;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.aml.data.AmlSubjectScope;
+import org.apache.fineract.portfolio.aml.data.AmlTransactionContext;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.client.domain.ClientKyc;
+import org.apache.fineract.portfolio.client.domain.ClientKycRepository;
+import org.springframework.stereotype.Service;
+
+/**
+ * Answers whether the customer behind a transaction is the kind of customer an entity-scoped rule is
+ * written about.
+ *
+ * <p>
+ * Everything here is read from what the customer record already holds - the client type chosen at
+ * onboarding, the KYC risk category, the account's own age. Nothing is inferred from the amount,
+ * because the amount is what the rule's threshold is already for.
+ */
+@Service
+@RequiredArgsConstructor
+public class AmlSubjectScopeResolver {
+
+    /**
+     * Client types that make an account a charitable/not-for-profit one for the purposes of the
+     * cash-withdrawal rule. Matched on the code value's text rather than its id, because ids are
+     * per-tenant and these are seeded per tenant.
+     */
+    private static final Set<String> CHARITABLE_CLIENT_TYPES = Set.of("TRUST", "SOCIETY", "NGO", "CHARITABLE TRUST");
+
+    /**
+     * Businesses RBI names as carrying higher money-laundering risk, where a large transaction is
+     * worth a second look that the same amount elsewhere would not be.
+     */
+    private static final Set<String> HIGH_RISK_CLIENT_TYPES = Set.of("JEWELLER", "BULLION DEALER", "REAL ESTATE AGENT",
+            "DEALER IN PRECIOUS METALS", "CASINO");
+
+    /** How long an account counts as new. RBI's own mule-account guidance works to a six-month window. */
+    private static final int NEW_ACCOUNT_DAYS = 180;
+
+    private static final int HIGH_RISK_KYC_CATEGORY = 3;
+
+    private final ClientKycRepository clientKycRepository;
+
+    /**
+     * Whether a rule carrying this scope should look at this transaction at all.
+     *
+     * <p>
+     * A rule with no scope is about the transaction rather than the customer and applies to
+     * everyone, which is how these rules behaved before the column existed.
+     */
+    public boolean matches(final String configuredScope, final AmlTransactionContext context) {
+        final AmlSubjectScope scope = AmlSubjectScope.fromRule(configuredScope);
+        if (scope == null) {
+            return true;
+        }
+        final Client client = context.getClient();
+        if (client == null) {
+            return false;
+        }
+        return switch (scope) {
+            case PEP -> isPoliticallyExposed(client);
+            case CHARITABLE_ORG -> isClientTypeIn(client, CHARITABLE_CLIENT_TYPES);
+            case HIGH_RISK_BUSINESS -> isClientTypeIn(client, HIGH_RISK_CLIENT_TYPES);
+            case NEW_ACCOUNT -> isNewAccount(context);
+        };
+    }
+
+    /**
+     * There is no dedicated PEP flag on the customer record, so the two places a CBS can carry that
+     * fact are used: an explicit "PEP" client classification, and a High KYC risk category, which is
+     * what a PEP is graded as under the KYC Master Direction. Absent both, the customer is not
+     * treated as a PEP - a rule that cannot identify its subject must raise nothing rather than
+     * report everyone.
+     */
+    private boolean isPoliticallyExposed(final Client client) {
+        if (codeValueMatches(client.clientClassification() == null ? null : client.clientClassification().getLabel(), "PEP")
+                || codeValueMatches(client.clientType() == null ? null : client.clientType().getLabel(), "PEP")) {
+            return true;
+        }
+        return clientKycRepository.findByClientId(client.getId()).map(ClientKyc::getRiskCategoryValue)
+                .filter(category -> category == HIGH_RISK_KYC_CATEGORY).isPresent();
+    }
+
+    private boolean isClientTypeIn(final Client client, final Set<String> wanted) {
+        final String type = client.clientType() == null ? null : client.clientType().getLabel();
+        final String classification = client.clientClassification() == null ? null : client.clientClassification().getLabel();
+        return containsIgnoreCase(wanted, type) || containsIgnoreCase(wanted, classification);
+    }
+
+    /**
+     * Measured from the customer's activation date against the business date, not the wall clock,
+     * so a back-dated test and a back-dated correction both read the age the books read.
+     */
+    private boolean isNewAccount(final AmlTransactionContext context) {
+        final LocalDate openedOn = context.getSubjectOpenedOn() != null ? context.getSubjectOpenedOn()
+                : context.getClient().getActivationDate();
+        if (openedOn == null) {
+            return false;
+        }
+        return openedOn.plusDays(NEW_ACCOUNT_DAYS).isAfter(DateUtils.getBusinessLocalDate());
+    }
+
+    private boolean containsIgnoreCase(final Set<String> wanted, final String value) {
+        if (value == null) {
+            return false;
+        }
+        final String normalised = value.trim().toUpperCase();
+        return wanted.contains(normalised);
+    }
+
+    private boolean codeValueMatches(final String value, final String token) {
+        return value != null && value.trim().toUpperCase().contains(token);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/ClientRiskChangeRequestService.java

@@ -0,0 +1,46 @@
+/**
+ * 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.aml.service;
+
+import java.util.List;
+import java.util.Map;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+/**
+ * Moving a customer's KYC risk category, under maker-checker.
+ *
+ * <p>
+ * The category decides how often the customer is re-KYC'd and what AML thresholds apply to them, so
+ * raising or lowering one is a decision about how closely the bank watches that customer. It is
+ * raised from the Risk Review Report - which already works out where a rating ought to sit - and
+ * takes effect only when a checker agrees.
+ */
+public interface ClientRiskChangeRequestService {
+
+    /** Raised by the reviewer. Nothing moves until a checker approves. */
+    CommandProcessingResult request(Long clientId, Integer requestedCategory, String reason);
+
+    /** Applies the new category to the customer's KYC record and records the change in history. */
+    CommandProcessingResult approve(Long requestId);
+
+    CommandProcessingResult reject(Long requestId, String rejectionReason);
+
+    /** @param status PENDING / APPROVED / REJECTED, or null for all */
+    List<Map<String, Object>> retrieveAll(String status);
+}