feat: commit latest changes on dev

Backs the Client Approval tab's Today/Yesterday quick filters server-side.
offset/limit/displayName/orderBy/sortOrder/status already existed on this
endpoint; added fromDate/toDate (yyyy-MM-dd, inclusive) alongside them,
filtering on c.submittedon_date, following the same ::date-cast convention
already used by ClientPendingEditReadPlatformServiceImpl for the
equivalent pending-edits filter. Updated the one other caller
(SelfClientsApiResource) to pass null/null.

.claude/scheduled_tasks.lock

@@ -1 +1 @@
-{"sessionId":"0fda6e48-a79d-4980-a9ee-31a6d5f735e1","pid":15548,"acquiredAt":1776168814856}
+{"sessionId":"b5222d29-c337-4c5d-afde-70cde98cdf46","pid":426448,"acquiredAt":1780052566378}

.claude/settings.local.json

@@ -52,7 +52,32 @@
       "Bash(git -c commit.gpgsign=false commit -m ' *)",
       "Bash(git pull *)",
       "Bash(./gradlew :fineract-security:compileJava :fineract-provider:compileJava -q)",
-      "Bash(git ls-remote *)"
+      "Bash(git ls-remote *)",
+      "Bash(PGPASSWORD=root psql -h localhost -p 5432 -U postgres -d fineract_default -c \"SELECT cv.id, cv.code_value FROM m_code_value cv JOIN m_code c ON cv.code_id=c.id WHERE c.code_name='Constitution' ORDER BY cv.id;\")",
+      "Bash(curl -s -w '\\\\n--- HTTP %{http_code} | content-type: %{content_type} | %{size_download} bytes | %{time_total}s ---\\\\n' -X POST https://ekyc.lincpay.in/EKYC/ekyc/validate-pan -H 'Content-Type: application/json' -d '{\"apikey\":\"api_7c9e3a1f6d4b2a8c5e1f3d7b9a2c6e4f\",\"panNumber\":\"AQRPV8345E\",\"name\":\"Aditya Vyas\",\"dob\":\"19/12/1988\",\"secrete\":\"secret_4e8a2d7c1f9b3a6e5d2c8f1a7b4e9c3d\"}')",
+      "Bash(curl -s -w '\\\\n--- HTTP %{http_code} | content-type: %{content_type} | %{size_download} bytes | %{time_total}s ---\\\\n' -X POST https://ekyc.lincpay.in/EKYC/ekyc/validate-pan -H 'Content-Type: application/json' -d '{\"apikey\":\"api_7c9e3a1f6d4b2a8c5e1f3d7b9a2c6e4f\",\"panNumber\":\"AAMCG5406B\",\"name\":\"GIZMOGLADE PRIVATE LIMITED\",\"dob\":\"01/12/2025\",\"secrete\":\"secret_4e8a2d7c1f9b3a6e5d2c8f1a7b4e9c3d\"}')",
+      "Bash(curl -s -w '\\\\n--- HTTP %{http_code} | content-type: %{content_type} | %{size_download} bytes ---\\\\n' -X POST https://ekyc.lincpay.in/EKYC/ekyc/validate-pan -H 'Content-Type: application/json' -d '{\"apikey\":\"api_7c9e3a1f6d4b2a8c5e1f3d7b9a2c6e4f\",\"panNumber\":\"AAMCG5406B\",\"name\":\"\",\"dob\":\"\",\"secrete\":\"secret_4e8a2d7c1f9b3a6e5d2c8f1a7b4e9c3d\"}')",
+      "Bash(curl -s -w '\\\\n--- HTTP %{http_code} | content-type: %{content_type} | %{size_download} bytes ---\\\\n' -X POST https://ekyc.lincpay.in/EKYC/ekyc/validate-gstn -H 'Content-Type: application/json' -d '{\"apikey\":\"api_7c9e3a1f6d4b2a8c5e1f3d7b9a2c6e4f\",\"gstNumber\":\"21AAMCG5406BIZ6\",\"secrete\":\"secret_4e8a2d7c1f9b3a6e5d2c8f1a7b4e9c3d\"}')",
+      "Bash(curl -s -w '\\\\n--- HTTP %{http_code} | content-type: %{content_type} | %{size_download} bytes | %{time_total}s ---\\\\n' -X POST https://ekyc.lincpay.in/EKYC/ekyc/validate-gstn -H 'Content-Type: application/json' -d '{\"apikey\":\"api_7c9e3a1f6d4b2a8c5e1f3d7b9a2c6e4f\",\"gstNumber\":\"23AADCL9984A1ZH\",\"secrete\":\"secret_4e8a2d7c1f9b3a6e5d2c8f1a7b4e9c3d\"}')",
+      "PowerShell(Get-Process | Where-Object { $_.ProcessName -match '^\\(java|gradle\\)' } | Select-Object Id, ProcessName, StartTime, @{n='CPU\\(s\\)';e={[math]::Round\\($_.CPU,1\\)}}, @{n='WS\\(MB\\)';e={[math]::Round\\($_.WorkingSet64/1MB,0\\)}} | Format-Table -AutoSize)",
+      "PowerShell(Get-NetTCPConnection -LocalPort 8443 -ErrorAction SilentlyContinue)",
+      "PowerShell(Stop-Process -Id 3468,3864,39964 -Force)",
+      "PowerShell(Get-Process -Id 3468,3864,39964 -ErrorAction SilentlyContinue)",
+      "PowerShell(foreach \\($id in 3468,3864,39964\\) { try { Stop-Process -Id $id -Force -ErrorAction Stop; \"killed $id\" } catch { \"skip $id - $\\($_.Exception.Message\\)\" } })",
+      "PowerShell(Get-Process java -ErrorAction SilentlyContinue)",
+      "PowerShell(if \\(-not \\(Test-Path .\\\\fineract-provider\\\\logs\\)\\) { New-Item -ItemType Directory -Force .\\\\fineract-provider\\\\logs | Out-Null }; Remove-Item .\\\\fineract-provider\\\\logs\\\\devrun.out -ErrorAction SilentlyContinue; \"ready\")",
+      "PowerShell($j = Get-Process java -ErrorAction SilentlyContinue | Select-Object Id, @{n='CPU\\(s\\)';e={[math]::Round\\($_.CPU,1\\)}}, @{n='WS\\(MB\\)';e={[math]::Round\\($_.WorkingSet64/1MB,0\\)}}, StartTime; $j | Format-Table -AutoSize; \"---\"; Get-NetTCPConnection -LocalPort 8443 -State Listen -ErrorAction SilentlyContinue | Select-Object LocalAddress, OwningProcess)",
+      "PowerShell(if \\(Test-Path .\\\\fineract-provider\\\\logs\\\\devrun.out\\) { $f = Get-Item .\\\\fineract-provider\\\\logs\\\\devrun.out; \"size=$\\($f.Length\\) bytes  mtime=$\\($f.LastWriteTime\\)\" } else { \"devrun.out missing\" })",
+      "PowerShell(netstat -ano)",
+      "PowerShell(Get-Process java -ErrorAction SilentlyContinue | Stop-Process -Force; Start-Sleep -Milliseconds 800; $left = Get-Process java -ErrorAction SilentlyContinue; if \\($left\\) { $left | Select-Object Id, ProcessName } else { \"no java processes\" }; Get-NetTCPConnection -LocalPort 8443 -State Listen -ErrorAction SilentlyContinue | Measure-Object | ForEach-Object { \"8443 listeners: $\\($_.Count\\)\" })",
+      "Bash(curl -sk -o /tmp/resp.txt -w \"STATUS=%{http_code}\\\\nCONTENT_TYPE=%{content_type}\\\\n\" -X POST 'https://localhost:8443/fineract-provider/api/v1/authentication' -H 'Content-Type: application/json' -H 'Fineract-Platform-TenantId: default' -d '{\"username\":\"mifos\",\"password\":\"password\"}')",
+      "Bash(curl -sk -o /tmp/r1.txt -w \"STATUS=%{http_code}\\\\n\" -X POST 'https://localhost:8443/fineract-provider/api/v1/authentication' -H 'Content-Type: application/json' -d '{\"username\":\"mifos\",\"password\":\"password\"}')",
+      "Bash(curl -s -o /tmp/r2.txt -w \"STATUS=%{http_code}\\\\n\" -X POST 'http://localhost:4200/fineract-provider/api/v1/authentication' -H 'Content-Type: application/json' -d '{\"username\":\"mifos\",\"password\":\"password\"}')",
+      "Bash(curl -s -o /tmp/r3.txt -w \"STATUS=%{http_code}\\\\n\" -X POST 'http://localhost:4200/fineract-provider/api/v1/authentication' -H 'Content-Type: application/json' -H 'Origin: http://localhost:4200' -H 'Fineract-Platform-TenantId: default' -d '{\"username\":\"mifos\",\"password\":\"password\"}')",
+      "Bash(curl -s -o /tmp/r4.txt -w \"STATUS=%{http_code}\\\\n\" -X OPTIONS 'http://localhost:4200/fineract-provider/api/v1/authentication' -H 'Origin: http://localhost:4200' -H 'Access-Control-Request-Method: POST' -H 'Access-Control-Request-Headers: content-type,fineract-platform-tenantid' -i)",
+      "Bash(git cherry-pick *)",
+      "PowerShell($parent = 'C:\\\\Users\\\\adity\\\\Music\\\\CBS'; if \\(Test-Path $parent\\) { \"parent exists: $parent\"; Get-ChildItem $parent -Directory | Select-Object -ExpandProperty Name } else { \"MISSING parent: $parent\" }; \"---\"; $target = Join-Path $parent 'LincpayEKYC'; if \\(Test-Path $target\\) { \"TARGET ALREADY EXISTS: $target\" } else { \"target free: $target\" })",
+      "Bash(git clone *)"
     ],
     "additionalDirectories": [
       "c:\\Users\\adity\\Music\\CBS\\cfcfrms-bank-api",

.gitignore

@@ -35,3 +35,6 @@ gradleExp/
 .java-version
 
 .windsurf/
+
+# Application logs
+fineract-provider/logs/

auth.json

@@ -0,0 +1 @@
+{"username":"mifos", "password":"password"}

fetch_accounts.js

@@ -0,0 +1,18 @@
+const https = require('https');
+const agent = new https.Agent({ rejectUnauthorized: false });
+
+fetch('https://localhost:8443/fineract-provider/api/v1/authentication?username=mifos&password=password&tenantIdentifier=default', {
+    method: 'POST',
+    agent: agent
+}).then(res => res.json()).then(data => {
+    const token = data.base64EncodedAuthenticationKey;
+    return fetch('https://localhost:8443/fineract-provider/api/v1/clients/9/accounts?tenantIdentifier=default', {
+        headers: {
+            'Authorization': 'Basic ' + token,
+            'Fineract-Platform-TenantId': 'default'
+        },
+        agent: agent
+    });
+}).then(res => res.json()).then(data => {
+    console.log(JSON.stringify(data, null, 2));
+}).catch(console.error);

fineract-accounting/src/main/java/org/apache/fineract/accounting/glaccount/service/GLAccountReadPlatformServiceImpl.java

@@ -74,7 +74,10 @@ public class GLAccountReadPlatformServiceImpl implements GLAccountReadPlatformSe
             }
             sb.append("from acc_gl_account gl left join m_code_value cv on tag_id=cv.id ");
             if (this.associationParametersData.isRunningBalanceRequired()) {
-                sb.append("left outer Join acc_gl_journal_entry gl_j on gl_j.account_id = gl.id");
+                sb.append("left outer join acc_gl_journal_entry gl_j on gl_j.id = (")
+                  .append("select id from acc_gl_journal_entry ")
+                  .append("where account_id = gl.id ")
+                  .append("order by id desc limit 1) ");
             }
             return sb.toString();
         }
@@ -149,10 +152,10 @@ public class GLAccountReadPlatformServiceImpl implements GLAccountReadPlatformSe
                 if (firstWhereConditionAdded) {
                     sql += SQL_AND;
                 }
-                sql += " ( name like %?% or gl_code like %?% )";
+                sql += " ( name like ? or gl_code like ? )";
-                parameterArray[arrayPos] = searchParam;
+                parameterArray[arrayPos] = "%" + searchParam + "%";
                 arrayPos = arrayPos + 1;
-                parameterArray[arrayPos] = searchParam;
+                parameterArray[arrayPos] = "%" + searchParam + "%";
                 arrayPos = arrayPos + 1;
                 firstWhereConditionAdded = true;
             }
@@ -197,12 +200,21 @@ public class GLAccountReadPlatformServiceImpl implements GLAccountReadPlatformSe
             final StringBuilder sql = new StringBuilder();
             sql.append("select ").append(rm.schema());
             sql.append(" where gl.id = ?");
-            if (associationParametersData.isRunningBalanceRequired()) {
+
-                sql.append(" and gl_j.is_running_balance_calculated = true ")
+            final GLAccountData glAccount = this.jdbcTemplate.queryForObject(sql.toString(), rm, new Object[] { glAccountId });
-                        .append("  ORDER BY gl_j.entry_date DESC,gl_j.id DESC LIMIT 1");
+
+            // Live balance: sum all non-reversed journal entries so cashier sees real-time balance
+            // without waiting for the "Update Accounting Running Balances" scheduled job.
+            if (associationParametersData != null && associationParametersData.isRunningBalanceRequired() && glAccount != null) {
+                final String liveBalanceSql = "SELECT COALESCE(ABS(SUM(CASE WHEN type_enum = 2 THEN amount ELSE -amount END)), 0) "
+                        + "FROM acc_gl_journal_entry "
+                        + "WHERE account_id = ? AND (reversed = false OR reversed IS NULL)";
+                final java.math.BigDecimal liveBalance = this.jdbcTemplate.queryForObject(liveBalanceSql,
+                        java.math.BigDecimal.class, glAccountId);
+                glAccount.setOrganizationRunningBalance(liveBalance != null ? liveBalance.longValue() : 0L);
             }
 
-            return this.jdbcTemplate.queryForObject(sql.toString(), rm, new Object[] { glAccountId });
+            return glAccount;
         } catch (final EmptyResultDataAccessException e) {
             throw new GLAccountNotFoundException(glAccountId, e);
         }

fineract-accounting/src/main/java/org/apache/fineract/accounting/journalentry/JournalEntryMapper.java

@@ -18,7 +18,6 @@
  */
 package org.apache.fineract.accounting.journalentry;
 
-import java.time.OffsetDateTime;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
 import org.apache.fineract.accounting.journalentry.data.JournalEntryData;
 import org.apache.fineract.accounting.journalentry.domain.JournalEntry;

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

@@ -277,14 +277,14 @@ public class ProductToGLAccountMappingHelper {
         }
 
         final JsonArray chargeToIncomeAccountMappingArray = this.fromApiJsonHelper.extractJsonArrayNamed(arrayFragmentName, element);
-        /**
+        /*
          * Variable stores a map representation of charges (key) and their associated income Id's (value) extracted from
          * the passed in Jsoncommand
-         **/
+         */
         final Map<Long, Long> inputChargeToIncomeAccountMap = new HashMap<>();
-        /***
+        /*
          * Variable stores all charges which have already been mapped to Income Accounts in the system
-         **/
+         */
         final Set<Long> existingCharges = new HashSet<>();
         if (chargeToIncomeAccountMappingArray != null) {
             if (changes != null) {
@@ -301,13 +301,13 @@ public class ProductToGLAccountMappingHelper {
             // If input map is empty, delete all existing mappings
             if (inputChargeToIncomeAccountMap.size() == 0) {
                 this.accountMappingRepository.deleteAll(existingChargeToIncomeAccountMappings);
-            } /**
+            } /*
                * Else, <br/>
                * update existing mappings OR <br/>
                * delete old mappings (which are already present, but not passed in as a part of Jsoncommand)<br/>
                * Create new mappings for charges that are passed in as a part of the Jsoncommand but not already present
                *
-               **/
+               */
             else {
                 for (final ProductToGLAccountMapping chargeToIncomeAccountMapping : existingChargeToIncomeAccountMappings) {
                     final Long currentCharge = chargeToIncomeAccountMapping.getCharge().getId();
@@ -356,14 +356,14 @@ public class ProductToGLAccountMappingHelper {
                 .findAllPaymentTypeToFundSourceMappings(productId, portfolioProductType.getValue());
         final JsonArray paymentChannelMappingArray = this.fromApiJsonHelper
                 .extractJsonArrayNamed(LoanProductAccountingParams.PAYMENT_CHANNEL_FUND_SOURCE_MAPPING.getValue(), element);
-        /**
+        /*
          * Variable stores a map representation of Payment channels (key) and their fund sources (value) extracted from
          * the passed in Jsoncommand
-         **/
+         */
         final Map<Long, Long> inputPaymentChannelFundSourceMap = new HashMap<>();
-        /***
+        /*
          * Variable stores all payment types which have already been mapped to Fund Sources in the system
-         **/
+         */
         final Set<Long> existingPaymentTypes = new HashSet<>();
         if (paymentChannelMappingArray != null) {
             if (changes != null) {
@@ -381,14 +381,14 @@ public class ProductToGLAccountMappingHelper {
             // If input map is empty, delete all existing mappings
             if (inputPaymentChannelFundSourceMap.isEmpty()) {
                 this.accountMappingRepository.deleteAll(existingPaymentChannelToFundSourceMappings);
-            } /**
+            } /*
                * Else, <br/>
                * update existing mappings OR <br/>
                * delete old mappings (which re already present, but not passed in as a part of Jsoncommand)<br/>
                * Create new mappings for payment types that are passed in as a part of the Jsoncommand but not already
                * present
                *
-               **/
+               */
             else {
                 for (final ProductToGLAccountMapping existingPaymentChannelToFundSourceMapping : existingPaymentChannelToFundSourceMappings) {
                     final Long currentPaymentChannelId = existingPaymentChannelToFundSourceMapping.getPaymentType().getId();
@@ -584,9 +584,9 @@ public class ProductToGLAccountMappingHelper {
         // based on input condition
 
         GLAccount glAccount;
-        /**
+        /*
          * Both CASH and Accrual placeholders have the same value for income from Interest and penalties
-         **/
+         */
         CashAccountsForLoan placeHolderAccountType;
         if (isPenalty) {
             glAccount = getAccountByIdAndType(LoanProductAccountingParams.INCOME_ACCOUNT_ID.getValue(), GLAccountType.INCOME,

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/api/TellerApiResource.java

@@ -181,12 +181,12 @@ public class TellerApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces(MediaType.APPLICATION_JSON)
     @Operation(summary = "Create Cashiers", description = """
-            Mandatory Fields:\s
+            Mandatory Fields:
             Cashier/staff, Fromm Date, To Date, Full Day or From time and To time
 
 
 
-            Optional Fields:\s
+            Optional Fields:
             Description/Notes""")
     @RequestBody(required = true, content = @Content(schema = @Schema(implementation = TellerApiResourceSwagger.PostTellersTellerIdCashiersRequest.class)))
     @ApiResponse(responseCode = "200", description = "OK", content = @Content(schema = @Schema(implementation = TellerApiResourceSwagger.PostTellersTellerIdCashiersResponse.class)))

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/domain/Teller.java

@@ -76,6 +76,9 @@ public class Teller extends AbstractPersistableCustom<Long> {
     @Column(name = "state", nullable = false)
     private Integer status;
 
+    @Column(name = "is_deleted", nullable = false)
+    private boolean deleted = false;
+
     @OneToMany(mappedBy = "teller", fetch = FetchType.LAZY)
     private Set<Cashier> cashiers;
 
@@ -161,4 +164,12 @@ public class Teller extends AbstractPersistableCustom<Long> {
         this.office.getId();
         this.cashiers.size();
     }
+
+    public void delete() {
+        this.deleted = true;
+    }
+
+    public boolean isDeleted() {
+        return this.deleted;
+    }
 }

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/domain/TellerRepository.java

@@ -31,4 +31,6 @@ import org.springframework.data.jpa.repository.JpaSpecificationExecutor;
 public interface TellerRepository extends JpaRepository<Teller, Long>, JpaSpecificationExecutor<Teller> {
 
     Collection<Teller> findTellerByOfficeId(Long officeId);
+
+    long countByDeletedFalse();
 }

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/domain/TellerRepositoryWrapper.java

@@ -36,6 +36,9 @@ public class TellerRepositoryWrapper {
     @Transactional(readOnly = true)
     public Teller findOneWithNotFoundDetection(final Long id) {
         final Teller teller = this.repository.findById(id).orElseThrow(() -> new TellerNotFoundException(id));
+        if (teller.isDeleted()) {
+            throw new TellerNotFoundException(id);
+        }
         teller.initializeLazyCollections();
         return teller;
     }
@@ -51,4 +54,8 @@ public class TellerRepositoryWrapper {
     public void delete(final Teller teller) {
         this.repository.delete(teller);
     }
+
+    public boolean existsAny() {
+        return this.repository.countByDeletedFalse() > 0;
+    }
 }

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/exception/TellerAlreadyExistsException.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.organisation.teller.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class TellerAlreadyExistsException extends AbstractPlatformDomainRuleException {
+
+    private static final String ERROR_MESSAGE_CODE = "error.msg.teller.already.exists";
+    private static final String DEFAULT_ERROR_MESSAGE = "Cannot create teller as a teller is already present.";
+
+    public TellerAlreadyExistsException() {
+        super(ERROR_MESSAGE_CODE, DEFAULT_ERROR_MESSAGE);
+    }
+}

fineract-core/src/main/java/org/apache/fineract/commands/domain/CommandProcessingResultType.java

@@ -34,7 +34,8 @@ public enum CommandProcessingResultType {
     AWAITING_APPROVAL(2, "commandProcessingResultType.awaiting.approval"), //
     REJECTED(3, "commandProcessingResultType.rejected"), //
     UNDER_PROCESSING(4, "commandProcessingResultType.underProcessing"), //
-    ERROR(5, "commandProcessingResultType.error");
+    ERROR(5, "commandProcessingResultType.error"), //
+    TERMINATE(6, "commandProcessingResultType.terminate");
 
     private static final Map<Integer, CommandProcessingResultType> BY_ID = Arrays.stream(values())
             .collect(Collectors.toMap(CommandProcessingResultType::getValue, v -> v));
@@ -59,4 +60,8 @@ public enum CommandProcessingResultType {
     public boolean isRejected() {
         return this == REJECTED;
     }
+
+    public boolean isTerminate() {
+        return this == TERMINATE;
+    }
 }

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

@@ -71,6 +71,344 @@ public class CommandWrapperBuilder {
                 this.sanitizeJsonKeys);
     }
 
+    public CommandWrapperBuilder createChequeSeries() {
+        this.actionName = "CREATE";
+        this.entityName = "CHEQUESERIES";
+        this.entityId = null;
+        this.href = "/chequeseries";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateChequeSeries(final Long seriesId) {
+        this.actionName = "UPDATE";
+        this.entityName = "CHEQUESERIES";
+        this.entityId = seriesId;
+        this.href = "/chequeseries/" + seriesId;
+        return this;
+    }
+
+    public CommandWrapperBuilder deleteChequeSeries(final Long seriesId) {
+        this.actionName = "DELETE";
+        this.entityName = "CHEQUESERIES";
+        this.entityId = seriesId;
+        this.href = "/chequeseries/" + seriesId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createChequeStockLot() {
+        this.actionName = "CREATE";
+        this.entityName = "CHEQUESTOCKLOT";
+        this.entityId = null;
+        this.href = "/chequestocklots";
+        return this;
+    }
+
+    public CommandWrapperBuilder reportLostChequeStockLot(final Long lotId) {
+        this.actionName = "REPORTLOST";
+        this.entityName = "CHEQUESTOCKLOT";
+        this.entityId = lotId;
+        this.href = "/chequestocklots/" + lotId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createChequeStockTransfer() {
+        this.actionName = "CREATE";
+        this.entityName = "CHEQUESTOCKTRANSFER";
+        this.entityId = null;
+        this.href = "/chequestocktransfers";
+        return this;
+    }
+
+    public CommandWrapperBuilder receiveChequeStockTransfer(final Long transferId) {
+        this.actionName = "RECEIVE";
+        this.entityName = "CHEQUESTOCKTRANSFER";
+        this.entityId = transferId;
+        this.href = "/chequestocktransfers/" + transferId;
+        return this;
+    }
+
+    public CommandWrapperBuilder rejectChequeStockTransfer(final Long transferId) {
+        this.actionName = "REJECT";
+        this.entityName = "CHEQUESTOCKTRANSFER";
+        this.entityId = transferId;
+        this.href = "/chequestocktransfers/" + transferId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createChequeBook() {
+        this.actionName = "CREATE";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = null;
+        this.href = "/chequebooks";
+        return this;
+    }
+
+    public CommandWrapperBuilder issueChequeBook(final Long chequeBookId) {
+        this.actionName = "ISSUE";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder rejectChequeBook(final Long chequeBookId) {
+        this.actionName = "REJECT";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder withdrawChequeBook(final Long chequeBookId) {
+        this.actionName = "WITHDRAW";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder stopPaymentChequeBook(final Long chequeBookId) {
+        this.actionName = "STOPPAYMENT";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder revokeStopPaymentChequeBook(final Long chequeBookId) {
+        this.actionName = "REVOKESTOPPAYMENT";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder reportLostChequeBook(final Long chequeBookId) {
+        this.actionName = "REPORTLOST";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelLeafChequeBook(final Long chequeBookId) {
+        this.actionName = "CANCELLEAF";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder markUsedChequeBook(final Long chequeBookId) {
+        this.actionName = "MARKUSED";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder returnChequeBook(final Long chequeBookId) {
+        this.actionName = "RETURN";
+        this.entityName = "CHEQUEBOOK";
+        this.entityId = chequeBookId;
+        this.href = "/chequebooks/" + chequeBookId;
+        return this;
+    }
+
+    public CommandWrapperBuilder approveChequeBookPendingRequest(final Long pendingRequestId) {
+        this.actionName = "APPROVE";
+        this.entityName = "CHEQUEBOOKPENDINGREQUEST";
+        this.entityId = pendingRequestId;
+        this.href = "/chequebook/pending-requests/" + pendingRequestId;
+        return this;
+    }
+
+    public CommandWrapperBuilder rejectChequeBookPendingRequest(final Long pendingRequestId) {
+        this.actionName = "REJECT";
+        this.entityName = "CHEQUEBOOKPENDINGREQUEST";
+        this.entityId = pendingRequestId;
+        this.href = "/chequebook/pending-requests/" + pendingRequestId;
+        return this;
+    }
+
+    // ===== Clearing (CTS + NACH) command wrappers =====
+
+    public CommandWrapperBuilder createClearingSettlementBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = null;
+        this.href = "/clearing/settlement-batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder postClearingSettlementBatch(final Long settlementBatchId) {
+        this.actionName = "POST";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = settlementBatchId;
+        this.href = "/clearing/settlement-batches/" + settlementBatchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder rejectClearingSettlementBatch(final Long settlementBatchId) {
+        this.actionName = "REJECT";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = settlementBatchId;
+        this.href = "/clearing/settlement-batches/" + settlementBatchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createClearingReconciliation() {
+        this.actionName = "CREATE";
+        this.entityName = "CLEARINGRECONCILIATION";
+        this.entityId = null;
+        this.href = "/clearing/reconciliations";
+        return this;
+    }
+
+    public CommandWrapperBuilder createInwardClearingBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "INWARDCLEARINGBATCH";
+        this.entityId = null;
+        this.href = "/ctsclearing/inward-batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder validateInwardClearingBatch(final Long batchId) {
+        this.actionName = "VALIDATE";
+        this.entityName = "INWARDCLEARINGBATCH";
+        this.entityId = batchId;
+        this.href = "/ctsclearing/inward-batches/" + batchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder passInwardClearingItem(final Long itemId) {
+        this.actionName = "PASS";
+        this.entityName = "INWARDCLEARINGITEM";
+        this.entityId = itemId;
+        this.href = "/ctsclearing/inward-items/" + itemId;
+        return this;
+    }
+
+    public CommandWrapperBuilder returnInwardClearingItem(final Long itemId) {
+        this.actionName = "RETURN";
+        this.entityName = "INWARDCLEARINGITEM";
+        this.entityId = itemId;
+        this.href = "/ctsclearing/inward-items/" + itemId;
+        return this;
+    }
+
+    public CommandWrapperBuilder verifyInwardClearingItemSignature(final Long itemId) {
+        this.actionName = "VERIFY_SIGNATURE";
+        this.entityName = "INWARDCLEARINGITEM";
+        this.entityId = itemId;
+        this.href = "/ctsclearing/inward-items/" + itemId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createPositivePayRegistration() {
+        this.actionName = "CREATE";
+        this.entityName = "POSITIVEPAYREGISTRATION";
+        this.entityId = null;
+        this.href = "/ctsclearing/positive-pay";
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelPositivePayRegistration(final Long registrationId) {
+        this.actionName = "CANCEL";
+        this.entityName = "POSITIVEPAYREGISTRATION";
+        this.entityId = registrationId;
+        this.href = "/ctsclearing/positive-pay/" + registrationId;
+        return this;
+    }
+
+    public CommandWrapperBuilder sendPendingOutwardClearingBatch() {
+        this.actionName = "SENDBATCH";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = null;
+        this.href = "/ctsclearing/outward-presentments/send-pending-batch";
+        return this;
+    }
+
+    public CommandWrapperBuilder createOutwardClearingPresentment() {
+        this.actionName = "CREATE";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = null;
+        this.href = "/ctsclearing/outward-presentments";
+        return this;
+    }
+
+    public CommandWrapperBuilder sendOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "SEND";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder settleOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "SETTLE";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder dishonourOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "DISHONOUR";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createNachMandate() {
+        this.actionName = "CREATE";
+        this.entityName = "NACHMANDATE";
+        this.entityId = null;
+        this.href = "/nachclearing/mandates";
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelNachMandate(final Long mandateId) {
+        this.actionName = "CANCEL";
+        this.entityName = "NACHMANDATE";
+        this.entityId = mandateId;
+        this.href = "/nachclearing/mandates/" + mandateId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createNachBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "NACHBATCH";
+        this.entityId = null;
+        this.href = "/nachclearing/batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder processNachBatch(final Long batchId) {
+        this.actionName = "PROCESS";
+        this.entityName = "NACHBATCH";
+        this.entityId = batchId;
+        this.href = "/nachclearing/batches/" + batchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder passNachTransaction(final Long transactionId) {
+        this.actionName = "PASS";
+        this.entityName = "NACHTRANSACTION";
+        this.entityId = transactionId;
+        this.href = "/nachclearing/transactions/" + transactionId;
+        return this;
+    }
+
+    public CommandWrapperBuilder returnNachTransaction(final Long transactionId) {
+        this.actionName = "RETURN";
+        this.entityName = "NACHTRANSACTION";
+        this.entityId = transactionId;
+        this.href = "/nachclearing/transactions/" + transactionId;
+        return this;
+    }
+
     public CommandWrapperBuilder updateCreditBureau() {
         this.actionName = "UPDATE";
         this.entityName = "ORGANISATIONCREDITBUREAU";
@@ -302,6 +640,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createUserAgreement() {
+        this.actionName = "CREATE";
+        this.entityName = "USERAGREEMENT";
+        this.entityId = null;
+        this.href = "/useragreements";
+        return this;
+    }
+
     public CommandWrapperBuilder createOffice() {
         this.actionName = "CREATE";
         this.entityName = "OFFICE";
@@ -1611,6 +1957,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder terminateAccount(final Long accountId) {
+        this.actionName = "TERMINATE";
+        this.entityName = "ACCOUNT";
+        this.entityId = accountId;
+        this.href = "/accounts/" + accountId + "/terminate";
+        return this;
+    }
+
     public CommandWrapperBuilder approveGSIMAccountApplication(final Long accountId) {
         this.actionName = "APPROVE";
         this.entityName = "GSIMACCOUNT";
@@ -3565,7 +3919,7 @@ public class CommandWrapperBuilder {
         this.actionName = "ACTIVATE";
         this.entityName = "CURRENTACCOUNT";
         this.savingsId = accountId;
-        this.entityId = null;
+        this.entityId = accountId;
         this.href = "/currentaccounts/" + accountId + "?command=activate";
         return this;
     }

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

@@ -20,6 +20,7 @@ package org.apache.fineract.commands.service;
 
 import static org.apache.fineract.commands.domain.CommandProcessingResultType.ERROR;
 import static org.apache.fineract.commands.domain.CommandProcessingResultType.PROCESSED;
+import static org.apache.fineract.commands.domain.CommandProcessingResultType.TERMINATE;
 import static org.apache.http.HttpStatus.SC_OK;
 
 import com.google.gson.Gson;
@@ -181,7 +182,7 @@ public class SynchronousCommandProcessingService implements CommandProcessingSer
                 currentSource.setResultStatusCode(SC_OK);
                 currentSource.updateForAudit(result);
                 currentSource.setResult(toApiResultJsonSerializer.serializeResult(result));
-                currentSource.setStatus(PROCESSED);
+                currentSource.setStatus("TERMINATE".equals(wrapper.getActionName()) ? TERMINATE : PROCESSED);
 
                 // Return saved command source
                 return commandSourceService.saveResultSameTransaction(currentSource);

fineract-core/src/main/java/org/apache/fineract/infrastructure/core/serialization/GoogleGsonSerializerHelper.java

@@ -21,6 +21,12 @@ package org.apache.fineract.infrastructure.core.serialization;
 import com.google.gson.ExclusionStrategy;
 import com.google.gson.Gson;
 import com.google.gson.GsonBuilder;
+import com.google.gson.TypeAdapter;
+import com.google.gson.TypeAdapterFactory;
+import com.google.gson.reflect.TypeToken;
+import com.google.gson.stream.JsonReader;
+import com.google.gson.stream.JsonWriter;
+import java.io.IOException;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
 import java.time.LocalTime;
@@ -112,5 +118,33 @@ public final class GoogleGsonSerializerHelper {
         builder.registerTypeAdapter(LocalDateTime.class, new LocalDateTimeAdapter());
         builder.registerTypeAdapter(OffsetDateTime.class, new OffsetDateTimeAdapter());
         builder.registerTypeAdapter(ExternalId.class, new ExternalIdAdapter());
+        // Use runtime type when serializing interface-typed fields (e.g. Collection<? extends IGuarantor>)
+        builder.registerTypeAdapterFactory(new TypeAdapterFactory() {
+            @Override
+            @SuppressWarnings("unchecked")
+            public <T> TypeAdapter<T> create(final Gson gson, final TypeToken<T> type) {
+                if (!type.getRawType().isInterface()) {
+                    return null;
+                }
+                final TypeAdapterFactory self = this;
+                return new TypeAdapter<T>() {
+                    @Override
+                    public void write(final JsonWriter out, final T value) throws IOException {
+                        if (value == null) {
+                            out.nullValue();
+                            return;
+                        }
+                        TypeAdapter<T> delegate = (TypeAdapter<T>) gson.getDelegateAdapter(self,
+                                TypeToken.get((Class<T>) value.getClass()));
+                        delegate.write(out, value);
+                    }
+
+                    @Override
+                    public T read(final JsonReader in) throws IOException {
+                        return null;
+                    }
+                };
+            }
+        });
     }
 }

fineract-core/src/main/java/org/apache/fineract/infrastructure/documentmanagement/adapter/EntitySignatureIdAdapter.java

@@ -0,0 +1,56 @@
+/**
+ * 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.documentmanagement.adapter;
+
+import java.io.Serial;
+import java.io.Serializable;
+import java.util.Optional;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Data;
+import lombok.NoArgsConstructor;
+
+/**
+ * Decouples the entity "current signature" pointer from the generic document service, the same
+ * way {@link EntityImageIdAdapter} decouples the "current photo" pointer — lets
+ * DocumentWritePlatformServiceImpl (fineract-document module) give single-slot upsert semantics to
+ * signature uploads without depending on portfolio-module entities directly.
+ */
+public interface EntitySignatureIdAdapter {
+
+    /** @param documentName the m_document.name of the document being created/removed */
+    boolean accept(String entityType, String documentName);
+
+    Optional<SignatureIdResult> get(Long entityId);
+
+    Optional<SignatureIdResult> set(Long entityId, Long signatureId);
+
+    @Builder
+    @Data
+    @NoArgsConstructor
+    @AllArgsConstructor
+    class SignatureIdResult implements Serializable {
+
+        @Serial
+        private static final long serialVersionUID = 1L;
+
+        private Long id;
+        private String displayName;
+    }
+}

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

@@ -61,6 +61,12 @@ public enum JobName {
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_SAVINGS_WITH_INCOME_POSTED_AS_TRANSACTIONS("Add Accrual Transactions For Savings"), //
     JOURNAL_ENTRY_AGGREGATION("Journal Entry Aggregation"), //
     FETCH_RBI_RSS_FEEDS("Fetch RBI RSS Feeds"), //
+    IMPS_DEEMED_RECONCILE("IMPS DEEMED Reconciliation"), //
+    NEFT_BATCH_PROCESS("NEFT Batch Process"), //
+    VERIFICATION_TOKEN_CLEANUP("Verification Token Cleanup"), //
+    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"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/portfolio/account/PortfolioAccountType.java

@@ -23,6 +23,7 @@ public enum PortfolioAccountType {
     INVALID(0, "accountType.invalid"), //
     LOAN(1, "accountType.loan"), //
     SAVINGS(2, "accountType.savings"), //
+    CURRENT(3, "accountType.current"), //
     ;
 
     private final Integer value;
@@ -52,6 +53,9 @@ public enum PortfolioAccountType {
                 case 2:
                     enumType = SAVINGS;
                 break;
+                case 3:
+                    enumType = CURRENT;
+                break;
                 default:
                     enumType = INVALID;
             }
@@ -68,4 +72,8 @@ public enum PortfolioAccountType {
     public boolean isLoanAccount() {
         return this.equals(LOAN);
     }
+
+    public boolean isCurrentAccount() {
+        return this.equals(CURRENT);
+    }
 }

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

@@ -0,0 +1,160 @@
+/**
+ * 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.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * One row per {@link AmlTransactionRule} hit on a live transaction. Raised regardless of the
+ * client's current KYC risk category - alerting is never suppressed by a client being Low/Medium
+ * risk. First reviewed by an AML Officer (whitelist or escalate); an ESCALATED alert spawns an
+ * {@link AmlStrCase} for the Principal Officer.
+ */
+@Entity
+@Table(name = "m_aml_alert")
+public class AmlAlert extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "transaction_type", nullable = false, length = 20)
+    private String transactionType;
+
+    @Column(name = "transaction_id", nullable = false)
+    private Long transactionId;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @ManyToOne
+    @JoinColumn(name = "rule_id", nullable = false)
+    private AmlTransactionRule rule;
+
+    @Column(name = "amount", nullable = false, precision = 19, scale = 6)
+    private BigDecimal amount;
+
+    @Column(name = "currency_code", length = 3)
+    private String currencyCode;
+
+    @Column(name = "raised_on", nullable = false)
+    private LocalDateTime raisedOn;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @ManyToOne
+    @JoinColumn(name = "reviewed_by")
+    private AppUser reviewedBy;
+
+    @Column(name = "reviewed_on")
+    private LocalDateTime reviewedOn;
+
+    @Column(name = "review_notes", length = 1000)
+    private String reviewNotes;
+
+    @Column(name = "disposition", length = 20)
+    private String disposition;
+
+    protected AmlAlert() {}
+
+    public static AmlAlert raise(AmlTransactionType transactionType, Long transactionId, Client client, AmlTransactionRule rule,
+            BigDecimal amount, String currencyCode, LocalDateTime raisedOn) {
+        final AmlAlert alert = new AmlAlert();
+        alert.transactionType = transactionType.name();
+        alert.transactionId = transactionId;
+        alert.client = client;
+        alert.rule = rule;
+        alert.amount = amount;
+        alert.currencyCode = currencyCode;
+        alert.raisedOn = raisedOn;
+        alert.status = AmlAlertStatus.RAISED.name();
+        return alert;
+    }
+
+    public void whitelist(AppUser reviewer, String notes) {
+        this.reviewedBy = reviewer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.disposition = AmlAlertDisposition.WHITELIST.name();
+        this.status = AmlAlertStatus.WHITELISTED.name();
+    }
+
+    public void escalate(AppUser reviewer, String notes) {
+        this.reviewedBy = reviewer;
+        this.reviewedOn = LocalDateTime.now();
+        this.reviewNotes = notes;
+        this.disposition = AmlAlertDisposition.ESCALATE.name();
+        this.status = AmlAlertStatus.ESCALATED.name();
+    }
+
+    public Long getTransactionId() {
+        return transactionId;
+    }
+
+    public AmlTransactionType getTransactionType() {
+        return AmlTransactionType.valueOf(transactionType);
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public AmlTransactionRule getRule() {
+        return rule;
+    }
+
+    public BigDecimal getAmount() {
+        return amount;
+    }
+
+    public String getCurrencyCode() {
+        return currencyCode;
+    }
+
+    public LocalDateTime getRaisedOn() {
+        return raisedOn;
+    }
+
+    public AmlAlertStatus getStatus() {
+        return AmlAlertStatus.valueOf(status);
+    }
+
+    public AppUser getReviewedBy() {
+        return reviewedBy;
+    }
+
+    public LocalDateTime getReviewedOn() {
+        return reviewedOn;
+    }
+
+    public String getReviewNotes() {
+        return reviewNotes;
+    }
+
+    public AmlAlertDisposition getDisposition() {
+        return disposition == null ? null : AmlAlertDisposition.valueOf(disposition);
+    }
+}

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

@@ -0,0 +1,25 @@
+/**
+ * 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;
+
+/** The AML Officer's first-level disposition of an {@link AmlAlert}. */
+public enum AmlAlertDisposition {
+
+    WHITELIST, ESCALATE
+}

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

@@ -0,0 +1,44 @@
+/**
+ * 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.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface AmlAlertRepository extends JpaRepository<AmlAlert, Long> {
+
+    List<AmlAlert> findByStatusOrderByRaisedOnAsc(String status);
+
+    @Query("SELECT COALESCE(SUM(a.amount), 0) FROM AmlAlert a WHERE a.client.id = :clientId "
+            + "AND a.transactionType = :transactionType AND a.raisedOn >= :since")
+    BigDecimal sumAmountForClientSince(@Param("clientId") Long clientId, @Param("transactionType") String transactionType,
+            @Param("since") LocalDateTime since);
+
+    long countByClientId(Long clientId);
+
+    /**
+     * Alerts already raised against one transaction under one rule. Used to stop the same ledger entry being marked
+     * 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);
+}

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

@@ -0,0 +1,24 @@
+/**
+ * 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;
+
+public enum AmlAlertStatus {
+
+    RAISED, UNDER_REVIEW, WHITELISTED, ESCALATED
+}

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

@@ -0,0 +1,29 @@
+/**
+ * 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;
+
+/** Which transaction type(s) an {@link AmlTransactionRule} evaluates against. */
+public enum AmlAppliesTo {
+
+    SAVINGS, LOAN, TRANSFER, ALL;
+
+    public boolean matches(AmlTransactionType transactionType) {
+        return this == ALL || this.name().equals(transactionType.name());
+    }
+}

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

@@ -0,0 +1,97 @@
+/**
+ * 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.Table;
+import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+
+/**
+ * Monthly, mechanical CTR batch header - purely threshold-based (₹10L+ cash, individually or
+ * connected), no Principal Officer judgment involved. One row per calendar month.
+ */
+@Entity
+@Table(name = "m_aml_ctr_report")
+public class AmlCtrReport extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @Column(name = "report_month", nullable = false, length = 7)
+    private String reportMonth;
+
+    @Column(name = "generated_on", nullable = false)
+    private LocalDateTime generatedOn;
+
+    @Column(name = "record_count", nullable = false)
+    private int recordCount;
+
+    @Column(name = "file_reference", length = 150)
+    private String fileReference;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "submitted_on")
+    private LocalDateTime submittedOn;
+
+    protected AmlCtrReport() {}
+
+    public static AmlCtrReport draft(String reportMonth, LocalDateTime generatedOn, int recordCount) {
+        final AmlCtrReport report = new AmlCtrReport();
+        report.reportMonth = reportMonth;
+        report.generatedOn = generatedOn;
+        report.recordCount = recordCount;
+        report.status = AmlCtrReportStatus.DRAFT.name();
+        return report;
+    }
+
+    public void markGenerated(String fileReference) {
+        this.fileReference = fileReference;
+        this.status = AmlCtrReportStatus.GENERATED.name();
+    }
+
+    public void markSubmitted(LocalDateTime submittedOn) {
+        this.submittedOn = submittedOn;
+        this.status = AmlCtrReportStatus.SUBMITTED.name();
+    }
+
+    public String getReportMonth() {
+        return reportMonth;
+    }
+
+    public LocalDateTime getGeneratedOn() {
+        return generatedOn;
+    }
+
+    public int getRecordCount() {
+        return recordCount;
+    }
+
+    public String getFileReference() {
+        return fileReference;
+    }
+
+    public AmlCtrReportStatus getStatus() {
+        return AmlCtrReportStatus.valueOf(status);
+    }
+
+    public LocalDateTime getSubmittedOn() {
+        return submittedOn;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlCtrReportLine.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.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.math.BigDecimal;
+
+/**
+ * One line per transaction (or connected-transaction group, when {@link #connectedGroup} is true)
+ * feeding a monthly {@link AmlCtrReport}.
+ */
+@Entity
+@Table(name = "m_aml_ctr_report_line")
+public class AmlCtrReportLine {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "ctr_report_id", nullable = false)
+    private AmlCtrReport ctrReport;
+
+    @Column(name = "transaction_type", nullable = false, length = 20)
+    private String transactionType;
+
+    @Column(name = "transaction_id")
+    private Long transactionId;
+
+    @Column(name = "client_id", nullable = false)
+    private Long clientId;
+
+    @Column(name = "amount", nullable = false, precision = 19, scale = 6)
+    private BigDecimal amount;
+
+    @Column(name = "is_connected_group", nullable = false)
+    private boolean connectedGroup;
+
+    protected AmlCtrReportLine() {}
+
+    public static AmlCtrReportLine of(AmlCtrReport ctrReport, AmlTransactionType transactionType, Long transactionId, Long clientId,
+            BigDecimal amount, boolean connectedGroup) {
+        final AmlCtrReportLine line = new AmlCtrReportLine();
+        line.ctrReport = ctrReport;
+        line.transactionType = transactionType.name();
+        line.transactionId = transactionId;
+        line.clientId = clientId;
+        line.amount = amount;
+        line.connectedGroup = connectedGroup;
+        return line;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public AmlCtrReport getCtrReport() {
+        return ctrReport;
+    }
+
+    public AmlTransactionType getTransactionType() {
+        return AmlTransactionType.valueOf(transactionType);
+    }
+
+    public Long getTransactionId() {
+        return transactionId;
+    }
+
+    public Long getClientId() {
+        return clientId;
+    }
+
+    public BigDecimal getAmount() {
+        return amount;
+    }
+
+    public boolean isConnectedGroup() {
+        return connectedGroup;
+    }
+}

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

@@ -0,0 +1,27 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlCtrReportLineRepository extends JpaRepository<AmlCtrReportLine, Long> {
+
+    List<AmlCtrReportLine> findByCtrReport_Id(Long ctrReportId);
+}

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

@@ -0,0 +1,27 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface AmlCtrReportRepository extends JpaRepository<AmlCtrReport, Long> {
+
+    Optional<AmlCtrReport> findByReportMonth(String reportMonth);
+}

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

@@ -0,0 +1,24 @@
+/**
+ * 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;
+
+public enum AmlCtrReportStatus {
+
+    DRAFT, GENERATED, SUBMITTED
+}

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

@@ -0,0 +1,33 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+/**
+ * How an {@link AmlTransactionRule} is evaluated.
+ *
+ * <ul>
+ * <li>THRESHOLD - a single transaction at or above {@code thresholdAmount}</li>
+ * <li>STRUCTURING - connected transactions summing at/above {@code thresholdAmount} within {@code windowDays}</li>
+ * <li>VELOCITY - unusual frequency of transactions within {@code windowDays}, independent of a fixed amount</li>
+ * </ul>
+ */
+public enum AmlRuleType {
+
+    THRESHOLD, STRUCTURING, VELOCITY
+}

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

@@ -0,0 +1,164 @@
+/**
+ * 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.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.time.LocalDate;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Created when an {@link AmlAlert} is escalated past first-level review. {@link #concludedOn} is
+ * the Principal Officer's conclusion date - the RBI-mandated 7-working-day FIU filing clock
+ * ({@link #fiuDueDate}) starts here, never at the alert or transaction date.
+ */
+@Entity
+@Table(name = "m_aml_str_case")
+public class AmlStrCase extends AbstractAuditableWithUTCDateTimeCustom<Long> {
+
+    @ManyToOne
+    @JoinColumn(name = "alert_id", nullable = false)
+    private AmlAlert alert;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @ManyToOne
+    @JoinColumn(name = "assigned_po")
+    private AppUser assignedPo;
+
+    @Column(name = "investigation_notes", length = 2000)
+    private String investigationNotes;
+
+    @Column(name = "source_of_funds_notes", length = 2000)
+    private String sourceOfFundsNotes;
+
+    @Column(name = "conclusion", length = 20)
+    private String conclusion;
+
+    @ManyToOne
+    @JoinColumn(name = "concluded_by")
+    private AppUser concludedBy;
+
+    @Column(name = "concluded_on")
+    private LocalDate concludedOn;
+
+    @Column(name = "fiu_due_date")
+    private LocalDate fiuDueDate;
+
+    @Column(name = "str_filed_on")
+    private LocalDate strFiledOn;
+
+    @Column(name = "str_reference_no", length = 100)
+    private String strReferenceNo;
+
+    @Column(name = "status", nullable = false, length = 25)
+    private String status;
+
+    protected AmlStrCase() {}
+
+    public static AmlStrCase openFor(AmlAlert alert) {
+        final AmlStrCase strCase = new AmlStrCase();
+        strCase.alert = alert;
+        strCase.client = alert.getClient();
+        strCase.status = AmlStrCaseStatus.OPEN.name();
+        return strCase;
+    }
+
+    public void assignPrincipalOfficer(AppUser po) {
+        this.assignedPo = po;
+    }
+
+    /** {@code fiuDueDate} is computed by the caller using the working-days calendar, not here. */
+    public void conclude(AppUser po, AmlStrConclusion conclusion, String investigationNotes, String sourceOfFundsNotes,
+            LocalDate concludedOn, LocalDate fiuDueDate) {
+        this.concludedBy = po;
+        this.conclusion = conclusion.name();
+        this.investigationNotes = investigationNotes;
+        this.sourceOfFundsNotes = sourceOfFundsNotes;
+        this.concludedOn = concludedOn;
+        this.status = conclusion == AmlStrConclusion.SUSPICIOUS ? AmlStrCaseStatus.CONCLUDED_SUSPICIOUS.name()
+                : AmlStrCaseStatus.CONCLUDED_CLEAR.name();
+        this.fiuDueDate = conclusion == AmlStrConclusion.SUSPICIOUS ? fiuDueDate : null;
+    }
+
+    public void fileStr(String referenceNo, LocalDate filedOn) {
+        this.strReferenceNo = referenceNo;
+        this.strFiledOn = filedOn;
+        this.status = AmlStrCaseStatus.FILED.name();
+    }
+
+    public Long getClientId() {
+        return client.getId();
+    }
+
+    public AmlAlert getAlert() {
+        return alert;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public AppUser getAssignedPo() {
+        return assignedPo;
+    }
+
+    public String getInvestigationNotes() {
+        return investigationNotes;
+    }
+
+    public String getSourceOfFundsNotes() {
+        return sourceOfFundsNotes;
+    }
+
+    public AmlStrConclusion getConclusion() {
+        return conclusion == null ? null : AmlStrConclusion.valueOf(conclusion);
+    }
+
+    public AppUser getConcludedBy() {
+        return concludedBy;
+    }
+
+    public LocalDate getConcludedOn() {
+        return concludedOn;
+    }
+
+    public LocalDate getFiuDueDate() {
+        return fiuDueDate;
+    }
+
+    public LocalDate getStrFiledOn() {
+        return strFiledOn;
+    }
+
+    public String getStrReferenceNo() {
+        return strReferenceNo;
+    }
+
+    public AmlStrCaseStatus getStatus() {
+        return AmlStrCaseStatus.valueOf(status);
+    }
+}

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

@@ -0,0 +1,38 @@
+/**
+ * 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.time.LocalDate;
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface AmlStrCaseRepository extends JpaRepository<AmlStrCase, Long> {
+
+    long countByClient_Id(Long clientId);
+
+    List<AmlStrCase> findByStatus(String status);
+
+    @Query("SELECT c FROM AmlStrCase c WHERE c.status = 'CONCLUDED_SUSPICIOUS' AND c.concludedOn BETWEEN :from AND :to")
+    List<AmlStrCase> findConcludedSuspiciousBetween(@Param("from") LocalDate from, @Param("to") LocalDate to);
+
+    @Query("SELECT c FROM AmlStrCase c WHERE c.status = 'CONCLUDED_SUSPICIOUS' AND c.fiuDueDate < :asOf")
+    List<AmlStrCase> findOverdueForFiling(@Param("asOf") LocalDate asOf);
+}

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

@@ -0,0 +1,24 @@
+/**
+ * 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;
+
+public enum AmlStrCaseStatus {
+
+    OPEN, CONCLUDED_CLEAR, CONCLUDED_SUSPICIOUS, FILED
+}

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

@@ -0,0 +1,25 @@
+/**
+ * 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;
+
+/** The Principal Officer's final conclusion on an {@link AmlStrCase}. */
+public enum AmlStrConclusion {
+
+    NOT_SUSPICIOUS, SUSPICIOUS
+}

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

@@ -0,0 +1,140 @@
+/**
+ * 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.Table;
+import java.math.BigDecimal;
+
+/**
+ * A machine-evaluable transaction-monitoring rule. Distinct from {@code ClientRiskRule}
+ * (client-profile, KYC-time scoring) - these are checked against live savings/loan/transfer
+ * transactions as they post. {@link #sourceClientRiskRuleId} optionally traces a rule back to its
+ * originating entry in the 221-rule AML catalog seeded in {@code m_client_risk_rule}.
+ */
+@Entity
+@Table(name = "m_aml_transaction_rule")
+public class AmlTransactionRule {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "rule_code", nullable = false, length = 50)
+    private String ruleCode;
+
+    @Column(name = "description", nullable = false, length = 500)
+    private String description;
+
+    @Column(name = "applies_to", nullable = false, length = 20)
+    private String appliesTo;
+
+    @Column(name = "threshold_amount", precision = 19, scale = 6)
+    private BigDecimal thresholdAmount;
+
+    /** Risk-category-tiered overrides of {@link #thresholdAmount}. Null on both means the rule is
+     *  not tiered; {@link #thresholdAmount} is used for every client regardless of risk category. */
+    @Column(name = "threshold_amount_medium_risk", precision = 19, scale = 6)
+    private BigDecimal thresholdAmountMediumRisk;
+
+    @Column(name = "threshold_amount_high_risk", precision = 19, scale = 6)
+    private BigDecimal thresholdAmountHighRisk;
+
+    /**
+     * Declarative band the rule covers, shown on the AML Rules Master screen. Purely
+     * descriptive: unlike the tiered columns above these never take part in matching, so
+     * changing them cannot alter which transactions raise an alert. A null maximum means
+     * the rule is genuinely open-ended.
+     */
+    @Column(name = "min_limit_amount", precision = 19, scale = 6)
+    private BigDecimal minLimitAmount;
+
+    @Column(name = "max_limit_amount", precision = 19, scale = 6)
+    private BigDecimal maxLimitAmount;
+
+    @Column(name = "rule_type", nullable = false, length = 20)
+    private String ruleType;
+
+    @Column(name = "window_days")
+    private Integer windowDays;
+
+    @Column(name = "source_client_risk_rule_id")
+    private Long sourceClientRiskRuleId;
+
+    @Column(name = "is_active", nullable = false)
+    private boolean active;
+
+    protected AmlTransactionRule() {}
+
+    public Long getId() {
+        return id;
+    }
+
+    public String getRuleCode() {
+        return ruleCode;
+    }
+
+    public String getDescription() {
+        return description;
+    }
+
+    public AmlAppliesTo getAppliesTo() {
+        return AmlAppliesTo.valueOf(appliesTo);
+    }
+
+    public BigDecimal getThresholdAmount() {
+        return thresholdAmount;
+    }
+
+    public BigDecimal getThresholdAmountMediumRisk() {
+        return thresholdAmountMediumRisk;
+    }
+
+    public BigDecimal getThresholdAmountHighRisk() {
+        return thresholdAmountHighRisk;
+    }
+
+    public BigDecimal getMinLimitAmount() {
+        return minLimitAmount;
+    }
+
+    public BigDecimal getMaxLimitAmount() {
+        return maxLimitAmount;
+    }
+
+    public AmlRuleType getRuleType() {
+        return AmlRuleType.valueOf(ruleType);
+    }
+
+    public Integer getWindowDays() {
+        return windowDays;
+    }
+
+    public Long getSourceClientRiskRuleId() {
+        return sourceClientRiskRuleId;
+    }
+
+    public boolean isActive() {
+        return active;
+    }
+}

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

@@ -0,0 +1,35 @@
+/**
+ * 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 AmlTransactionRuleRepository extends JpaRepository<AmlTransactionRule, Long> {
+
+    List<AmlTransactionRule> findByActiveTrueAndAppliesTo(String appliesTo);
+
+    /**
+     * Looks a rule up by its code irrespective of {@code is_active}. Needed for MANUAL_REFERRAL, which is deliberately
+     * seeded inactive so the evaluation engine never fires it, yet must still be attachable to an alert a user raises
+     * by hand from the ledger.
+     */
+    Optional<AmlTransactionRule> findByRuleCode(String ruleCode);
+}

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

@@ -0,0 +1,25 @@
+/**
+ * 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;
+
+/** The kind of ledger transaction an {@link AmlAlert} was raised against. */
+public enum AmlTransactionType {
+
+    SAVINGS, LOAN, TRANSFER
+}

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

@@ -0,0 +1,138 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.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.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Immutable, append-only audit trail of a client's KYC risk-category changes. Backs the AML menu's
+ * existing "Risk Update History Report" item, which previously had no data behind it. Written both
+ * for manual re-categorization and for the automatic escalation triggered on a client's 3rd
+ * cumulative {@link AmlStrCase}.
+ */
+@Entity
+@Table(name = "m_client_risk_category_history")
+public class ClientRiskCategoryHistory {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @ManyToOne
+    @JoinColumn(name = "client_id", nullable = false)
+    private Client client;
+
+    @Column(name = "previous_category", nullable = false)
+    private Integer previousCategory;
+
+    @Column(name = "new_category", nullable = false)
+    private Integer newCategory;
+
+    @Column(name = "reason", nullable = false, length = 500)
+    private String reason;
+
+    @Column(name = "triggered_by", nullable = false, length = 30)
+    private String triggeredBy;
+
+    @ManyToOne
+    @JoinColumn(name = "str_case_id")
+    private AmlStrCase strCase;
+
+    @Column(name = "changed_on", nullable = false)
+    private LocalDateTime changedOn;
+
+    @ManyToOne
+    @JoinColumn(name = "changed_by", nullable = false)
+    private AppUser changedBy;
+
+    protected ClientRiskCategoryHistory() {}
+
+    public static ClientRiskCategoryHistory autoEscalation(Client client, Integer previousCategory, Integer newCategory,
+            AmlStrCase triggeringCase, AppUser systemActor, LocalDateTime changedOn) {
+        final ClientRiskCategoryHistory history = new ClientRiskCategoryHistory();
+        history.client = client;
+        history.previousCategory = previousCategory;
+        history.newCategory = newCategory;
+        history.reason = "Auto-escalated after client's 3rd cumulative AML STR case (case #" + triggeringCase.getId() + ")";
+        history.triggeredBy = RiskCategoryChangeTrigger.AML_AUTO_ESCALATION.name();
+        history.strCase = triggeringCase;
+        history.changedOn = changedOn;
+        history.changedBy = systemActor;
+        return history;
+    }
+
+    public static ClientRiskCategoryHistory manual(Client client, Integer previousCategory, Integer newCategory, String reason,
+            AppUser changedBy, LocalDateTime changedOn) {
+        final ClientRiskCategoryHistory history = new ClientRiskCategoryHistory();
+        history.client = client;
+        history.previousCategory = previousCategory;
+        history.newCategory = newCategory;
+        history.reason = reason;
+        history.triggeredBy = RiskCategoryChangeTrigger.MANUAL.name();
+        history.changedBy = changedBy;
+        history.changedOn = changedOn;
+        return history;
+    }
+
+    public Long getId() {
+        return id;
+    }
+
+    public Client getClient() {
+        return client;
+    }
+
+    public Integer getPreviousCategory() {
+        return previousCategory;
+    }
+
+    public Integer getNewCategory() {
+        return newCategory;
+    }
+
+    public String getReason() {
+        return reason;
+    }
+
+    public RiskCategoryChangeTrigger getTriggeredBy() {
+        return RiskCategoryChangeTrigger.valueOf(triggeredBy);
+    }
+
+    public AmlStrCase getStrCase() {
+        return strCase;
+    }
+
+    public LocalDateTime getChangedOn() {
+        return changedOn;
+    }
+
+    public AppUser getChangedBy() {
+        return changedBy;
+    }
+}

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

@@ -0,0 +1,27 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.aml.domain;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface ClientRiskCategoryHistoryRepository extends JpaRepository<ClientRiskCategoryHistory, Long> {
+
+    List<ClientRiskCategoryHistory> findByClient_IdOrderByChangedOnDesc(Long clientId);
+}

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

@@ -0,0 +1,24 @@
+/**
+ * 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;
+
+public enum RiskCategoryChangeTrigger {
+
+    AML_AUTO_ESCALATION, MANUAL
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/cfcfrms/domain/CfcfrmsSimulatorLog.java

@@ -23,6 +23,7 @@ import jakarta.persistence.Entity;
 import jakarta.persistence.Table;
 import java.time.OffsetDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Simulator-side audit log for CFCFRMS (I4C/MHA) events.
@@ -69,7 +70,7 @@ public class CfcfrmsSimulatorLog extends AbstractAuditableWithUTCDateTimeCustom<
         this.eventType = eventType;
         this.payload = payload;
         this.responsePayload = responsePayload;
-        this.eventTimestamp = OffsetDateTime.now();
+        this.eventTimestamp = DateUtils.getOffsetDateTimeOfTenant();
     }
 
     public CfcfrmsSimulatorLog(final String cfcfrmsRef, final String ticketId, final String bankIfsc,

fineract-core/src/main/java/org/apache/fineract/portfolio/cfcfrms/domain/ComplaintAuditLog.java

@@ -23,6 +23,7 @@ import jakarta.persistence.Entity;
 import jakarta.persistence.Table;
 import java.time.OffsetDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Audit trail for every status change on a CFCFRMS complaint ticket.
@@ -54,7 +55,7 @@ public class ComplaintAuditLog extends AbstractAuditableWithUTCDateTimeCustom<Lo
         this.event = event;
         this.description = description;
         this.actor = actor;
-        this.eventTimestamp = OffsetDateTime.now();
+        this.eventTimestamp = DateUtils.getOffsetDateTimeOfTenant();
     }
 
     public ComplaintAuditLog(final String ticketId, final String event, final String description,

fineract-core/src/main/java/org/apache/fineract/portfolio/cfcfrms/domain/ComplaintTicket.java

@@ -26,6 +26,7 @@ import jakarta.persistence.Table;
 import java.math.BigDecimal;
 import java.time.OffsetDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * CFCFRMS Complaint Ticket — represents a cyber fraud complaint pushed by MHA/I4C to the bank.
@@ -121,7 +122,7 @@ public class ComplaintTicket extends AbstractAuditableWithUTCDateTimeCustom<Long
         ticket.status = ComplaintStatus.RECEIVED;
         ticket.assignedOfficer = assignedOfficer;
         ticket.statePoliceRef = statePoliceRef;
-        ticket.receivedAt = OffsetDateTime.now();
+        ticket.receivedAt = DateUtils.getOffsetDateTimeOfTenant();
         return ticket;
     }
 
@@ -132,7 +133,7 @@ public class ComplaintTicket extends AbstractAuditableWithUTCDateTimeCustom<Long
         this.status = newStatus;
         this.actionTaken = actionNote;
         if (newStatus == ComplaintStatus.RESOLVED || newStatus == ComplaintStatus.REJECTED) {
-            this.resolvedAt = OffsetDateTime.now();
+            this.resolvedAt = DateUtils.getOffsetDateTimeOfTenant();
         }
     }
 

fineract-core/src/main/java/org/apache/fineract/portfolio/client/adapter/ClientSignatureIdAdapter.java

@@ -0,0 +1,66 @@
+/**
+ * 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.adapter;
+
+import static java.util.Objects.nonNull;
+
+import java.util.Optional;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.documentmanagement.adapter.EntitySignatureIdAdapter;
+import org.apache.fineract.portfolio.client.domain.ClientRepository;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+@Slf4j
+@RequiredArgsConstructor
+@Component
+class ClientSignatureIdAdapter implements EntitySignatureIdAdapter {
+
+    private static final String ENTITY_TYPE = "clients";
+    private static final String DOCUMENT_NAME = "clientSignature";
+
+    private final ClientRepository repository;
+
+    @Override
+    public boolean accept(String entityType, String documentName) {
+        return ENTITY_TYPE.equalsIgnoreCase(entityType) && DOCUMENT_NAME.equalsIgnoreCase(documentName);
+    }
+
+    @Override
+    @Transactional(readOnly = true)
+    public Optional<SignatureIdResult> get(Long entityId) {
+        return repository.findById(entityId).filter(client -> nonNull(client.getSignatureId()))
+                .map(client -> SignatureIdResult.builder().id(client.getSignatureId()).displayName(client.getDisplayName()).build());
+    }
+
+    @Override
+    @Transactional
+    public Optional<SignatureIdResult> set(Long entityId, Long signatureId) {
+        final var result = get(entityId);
+
+        if (signatureId == null) {
+            repository.removeSignatureId(entityId);
+        } else {
+            repository.updateByIdAndSignatureId(entityId, signatureId);
+        }
+
+        return result;
+    }
+}

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

@@ -63,6 +63,7 @@ public class ClientApiConstants {
     public static final String CLIENT_CLASSIFICATION = "ClientClassification";
 
     public static final String OCCUPATION_CATEGORY = "OccupationCategory";
+    public static final String PWD_CATEGORY = "PwdCategory";
     public static final String OCCUPATION = "Occupation";
 
     public static final String CLIENT_NON_PERSON_CONSTITUTION = "Constitution";
@@ -96,6 +97,15 @@ public class ClientApiConstants {
     public static final String mobileNoParamName = "mobileNo";
     public static final String alternateMobileNoParamName = "alternateMobileNo";
     public static final String emailAddressParamName = "emailAddress";
+    // Dual-OTP contact-change verification (see ClientContactOtpService) — required only when
+    // mobileNo or emailAddress is being changed via PUT /clients/{id}. Reference an already
+    // VERIFIED m_otp_log row for the OLD destination (current DB value) and the NEW destination
+    // (incoming value) respectively. Field-specific (not a single generic pair) so mobileNo and
+    // emailAddress can both change in the same request without ambiguity.
+    public static final String mobileOldOtpIdParamName = "mobileOldOtpId";
+    public static final String mobileNewOtpIdParamName = "mobileNewOtpId";
+    public static final String emailOldOtpIdParamName = "emailOldOtpId";
+    public static final String emailNewOtpIdParamName = "emailNewOtpId";
     public static final String firstnameParamName = "firstname";
     public static final String middlenameParamName = "middlename";
     public static final String lastnameParamName = "lastname";
@@ -138,7 +148,13 @@ public class ClientApiConstants {
     public static final String religionParamName = "religion";
     public static final String socialCategoryParamName = "socialCategory";
     public static final String monthlyIncomeParamName = "monthlyIncome";
+    public static final String annualIncomeParamName = "annualIncome";
     public static final String annualTurnoverParamName = "annualTurnover";
+    public static final String monthlyTurnoverParamName = "monthlyTurnover";
+    public static final String isSeniorCitizenParamName = "isSeniorCitizen";
+    public static final String isPwdParamName = "isPwd";
+    public static final String pwdCategoryIdParamName = "pwdCategoryId";
+    public static final String pwdCategoryParamName = "pwdCategory";
     public static final String agricultureIncomeParamName = "agricultureIncome";
     public static final String nonAgricultureIncomeParamName = "nonAgricultureIncome";
     public static final String ageYearsParamName = "ageYears";
@@ -248,8 +264,9 @@ public class ClientApiConstants {
             staffOptionsParamName, dateOfBirthParamName, genderParamName, clientTypeParamName, clientClassificationParamName,
             salutationParamName, occupationCategoryParamName, occupationParamName, maritalStatusParamName,
             educationLevelParamName, degreeQualificationParamName,
-            religionParamName, socialCategoryParamName, monthlyIncomeParamName,
+            religionParamName, socialCategoryParamName, monthlyIncomeParamName, annualIncomeParamName,
-            annualTurnoverParamName, agricultureIncomeParamName, nonAgricultureIncomeParamName,
+            annualTurnoverParamName, monthlyTurnoverParamName, agricultureIncomeParamName, nonAgricultureIncomeParamName,
+            isSeniorCitizenParamName, isPwdParamName, pwdCategoryParamName,
             ageYearsParamName, ageMonthsParamName, ageDaysParamName,
             nationalityIdParamName, isMinorParamName, guardianClientIdParamName, guardianClientDisplayNameParamName, guardianRelationParamName,
             dipVerifiedParamName, dipLookupLogIdParamName, dipTimestampParamName,

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

@@ -82,7 +82,13 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
     private CodeValueData religion;
     private CodeValueData socialCategory;
     private BigDecimal monthlyIncome;
+    private BigDecimal annualIncome;
     private BigDecimal annualTurnover;
+    private BigDecimal monthlyTurnover;
+    private Boolean isSeniorCitizen;
+    private Boolean isPwd;
+    private CodeValueData pwdCategory;
+    private Collection<CodeValueData> pwdCategoryOptions;
     private BigDecimal agricultureIncome;
     private BigDecimal nonAgricultureIncome;
     private Integer ageYears;
@@ -400,13 +406,19 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.degreeQualificationOptions = templateData.degreeQualificationOptions;
         data.religionOptions = templateData.religionOptions;
         data.socialCategoryOptions = templateData.socialCategoryOptions;
+        data.pwdCategoryOptions = templateData.pwdCategoryOptions;
         data.maritalStatus = clientData.maritalStatus;
         data.educationLevel = clientData.educationLevel;
         data.degreeQualification = clientData.degreeQualification;
         data.religion = clientData.religion;
         data.socialCategory = clientData.socialCategory;
         data.monthlyIncome = clientData.monthlyIncome;
+        data.annualIncome = clientData.annualIncome;
         data.annualTurnover = clientData.annualTurnover;
+        data.monthlyTurnover = clientData.monthlyTurnover;
+        data.isSeniorCitizen = clientData.isSeniorCitizen;
+        data.isPwd = clientData.isPwd;
+        data.pwdCategory = clientData.pwdCategory;
         data.agricultureIncome = clientData.agricultureIncome;
         data.nonAgricultureIncome = clientData.nonAgricultureIncome;
         data.ageYears = clientData.ageYears;
@@ -456,13 +468,19 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.degreeQualificationOptions = clientData.degreeQualificationOptions;
         data.religionOptions = clientData.religionOptions;
         data.socialCategoryOptions = clientData.socialCategoryOptions;
+        data.pwdCategoryOptions = clientData.pwdCategoryOptions;
         data.maritalStatus = clientData.maritalStatus;
         data.educationLevel = clientData.educationLevel;
         data.degreeQualification = clientData.degreeQualification;
         data.religion = clientData.religion;
         data.socialCategory = clientData.socialCategory;
         data.monthlyIncome = clientData.monthlyIncome;
+        data.annualIncome = clientData.annualIncome;
         data.annualTurnover = clientData.annualTurnover;
+        data.monthlyTurnover = clientData.monthlyTurnover;
+        data.isSeniorCitizen = clientData.isSeniorCitizen;
+        data.isPwd = clientData.isPwd;
+        data.pwdCategory = clientData.pwdCategory;
         data.agricultureIncome = clientData.agricultureIncome;
         data.nonAgricultureIncome = clientData.nonAgricultureIncome;
         data.ageYears = clientData.ageYears;
@@ -509,7 +527,12 @@ public final class ClientData implements Comparable<ClientData>, Serializable {
         data.religion = clientData.religion;
         data.socialCategory = clientData.socialCategory;
         data.monthlyIncome = clientData.monthlyIncome;
+        data.annualIncome = clientData.annualIncome;
         data.annualTurnover = clientData.annualTurnover;
+        data.monthlyTurnover = clientData.monthlyTurnover;
+        data.isSeniorCitizen = clientData.isSeniorCitizen;
+        data.isPwd = clientData.isPwd;
+        data.pwdCategory = clientData.pwdCategory;
         data.agricultureIncome = clientData.agricultureIncome;
         data.nonAgricultureIncome = clientData.nonAgricultureIncome;
         data.ageYears = clientData.ageYears;

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

@@ -0,0 +1,35 @@
+/**
+ * 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.data;
+
+import java.io.Serializable;
+import java.time.LocalDate;
+import lombok.Builder;
+import lombok.Getter;
+
+@Getter
+@Builder
+public final class ClientFamilyMemberChildData implements Serializable {
+    private final Long id;
+    private final String fullName;
+    private final Long genderId;
+    private final String gender;
+    private final LocalDate dateOfBirth;
+}

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

@@ -84,6 +84,9 @@ public final class ClientFamilyMembersData implements Serializable {
     private final LocalDate marriageDate;
     private final String marriageAuthority;
 
+    @lombok.Setter
+    private java.util.List<ClientFamilyMemberChildData> children;
+
     // template holder
     private final Collection<CodeValueData> relationshipIdOptions;
     private final Collection<CodeValueData> genderIdOptions;

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

@@ -77,6 +77,9 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "image_id")
     private Long imageId;
 
+    @Column(name = "signature_id")
+    private Long signatureId;
+
     @Column(name = "status_enum", nullable = false)
     private Integer status;
 
@@ -231,9 +234,25 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "monthly_income")
     private java.math.BigDecimal monthlyIncome;
 
+    @Column(name = "annual_income")
+    private java.math.BigDecimal annualIncome;
+
     @Column(name = "annual_turnover")
     private java.math.BigDecimal annualTurnover;
 
+    @Column(name = "monthly_turnover")
+    private java.math.BigDecimal monthlyTurnover;
+
+    @Column(name = "is_senior_citizen")
+    private Boolean isSeniorCitizen;
+
+    @Column(name = "is_pwd")
+    private Boolean isPwd;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "pwd_category_cv_id")
+    private CodeValue pwdCategory;
+
     @Column(name = "agriculture_income")
     private java.math.BigDecimal agricultureIncome;
 
@@ -598,6 +617,10 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return this.office.getId();
     }
 
+    public String getDisplayName() {
+        return this.displayName;
+    }
+
     public String mobileNo() {
         return this.mobileNo;
     }
@@ -832,6 +855,14 @@ public class Client extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return this.socialCategory != null ? this.socialCategory.getId() : null;
     }
 
+    public Long pwdCategoryId() {
+        return this.pwdCategory != null ? this.pwdCategory.getId() : null;
+    }
+
+    public void updatePwdCategory(CodeValue pwdCategory) {
+        this.pwdCategory = pwdCategory;
+    }
+
     public void updateSocialCategory(CodeValue socialCategory) {
         this.socialCategory = socialCategory;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientForm60.java

@@ -29,6 +29,7 @@ import lombok.Getter;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Form 60 declaration as per Rule 114B of Income Tax Rules, 1962.
@@ -87,7 +88,7 @@ public class ClientForm60 extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         form.estimatedTotalIncome = command.bigDecimalValueOfParameterNamed("estimatedTotalIncome");
         form.reasonForNoPan = StringUtils.defaultIfEmpty(command.stringValueOfParameterNamed("reasonForNoPan"), null);
         form.declaration = command.booleanPrimitiveValueOfParameterNamed("declaration");
-        form.submittedOn = LocalDate.now();
+        form.submittedOn = DateUtils.getLocalDateOfTenant();
         return form;
     }
 }

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

@@ -32,6 +32,7 @@ import java.util.Map;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Represents a client's KYC (Know Your Customer) record as mandated by the Reserve Bank of India
@@ -260,7 +261,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         this.gstinVerified = false;
         this.cinVerified = false;
         this.dinVerified = false;
-        this.initiatedOn = LocalDate.now();
+        this.initiatedOn = DateUtils.getLocalDateOfTenant();
     }
 
     public static ClientKyc initiateKyc(final Client client, final JsonCommand command) {
@@ -456,13 +457,13 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     public void markCkycUploaded(final String ckycNumber, final String batchId) {
         this.ckycNumber = StringUtils.defaultIfEmpty(ckycNumber, null);
         this.ckycBatchId = StringUtils.defaultIfEmpty(batchId, null);
-        this.ckycUploadedOn = LocalDate.now();
+        this.ckycUploadedOn = DateUtils.getLocalDateOfTenant();
     }
 
     /** Called after successful 3rd-party verification of all required documents. */
     public void markVerified(final String ckycNumber) {
         this.kycStatus = ClientKycStatus.VERIFIED.getValue();
-        this.verifiedOn = LocalDate.now();
+        this.verifiedOn = DateUtils.getLocalDateOfTenant();
         this.ckycNumber = StringUtils.defaultIfEmpty(ckycNumber, null);
 
         final KycRiskCategory risk = KycRiskCategory.fromInt(this.riskCategory);
@@ -474,14 +475,14 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     /** Called when verification fails. */
     public void markRejected(final String remarks) {
         this.kycStatus = ClientKycStatus.REJECTED.getValue();
-        this.rejectedOn = LocalDate.now();
+        this.rejectedOn = DateUtils.getLocalDateOfTenant();
         this.remarks = StringUtils.defaultIfEmpty(remarks, this.remarks);
     }
 
     public void markPanVerified(final String fullName, final String firstName, final String lastName,
             final String aadhaarSeedingStatus, final String category, final String status) {
         this.panVerified = true;
-        this.panVerifiedOn = LocalDate.now();
+        this.panVerifiedOn = DateUtils.getLocalDateOfTenant();
         this.panFullName = StringUtils.defaultIfEmpty(fullName, null);
         this.panFirstName = StringUtils.defaultIfEmpty(firstName, null);
         this.panLastName = StringUtils.defaultIfEmpty(lastName, null);
@@ -507,28 +508,28 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
 
     public void markAadhaarVerified() {
         this.aadhaarVerified = true;
-        this.aadhaarVerifiedOn = LocalDate.now();
+        this.aadhaarVerifiedOn = DateUtils.getLocalDateOfTenant();
     }
 
     public void markGstinVerified() {
         this.gstinVerified = true;
-        this.gstinVerifiedOn = LocalDate.now();
+        this.gstinVerifiedOn = DateUtils.getLocalDateOfTenant();
     }
 
     public void markCinVerified() {
         this.cinVerified = true;
-        this.cinVerifiedOn = LocalDate.now();
+        this.cinVerifiedOn = DateUtils.getLocalDateOfTenant();
     }
 
     public void markDinVerified() {
         this.dinVerified = true;
-        this.dinVerifiedOn = LocalDate.now();
+        this.dinVerifiedOn = DateUtils.getLocalDateOfTenant();
     }
 
     public void markDinVerified(final String dinNumber, final String mcaResponseJson) {
         this.dinNumber = dinNumber;
         this.dinVerified = true;
-        this.dinVerifiedOn = LocalDate.now();
+        this.dinVerifiedOn = DateUtils.getLocalDateOfTenant();
         this.isDirector = true;
         this.dinMcaResponse = mcaResponseJson;
     }
@@ -585,6 +586,15 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return riskCategory;
     }
 
+    /**
+     * Directly sets the risk category outside the normal command-diff update path. Used by the AML
+     * module to auto-escalate a client's risk category after their 3rd cumulative STR case -
+     * every such change is recorded in {@code m_client_risk_category_history} by the caller.
+     */
+    public void escalateRiskCategory(Integer newCategory) {
+        this.riskCategory = newCategory;
+    }
+
     public String getPanNumber() {
         return panNumber;
     }

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

@@ -55,6 +55,14 @@ public interface ClientRepository extends JpaRepository<Client, Long>, JpaSpecif
     @Query("UPDATE Client client SET client.imageId = null WHERE client.id = :clientId")
     void removeImageId(@Param("clientId") Long clientId);
 
+    @Modifying
+    @Query("UPDATE Client client SET client.signatureId = :signatureId WHERE client.id = :clientId")
+    void updateByIdAndSignatureId(@Param("clientId") Long clientId, @Param("signatureId") Long signatureId);
+
+    @Modifying
+    @Query("UPDATE Client client SET client.signatureId = null WHERE client.id = :clientId")
+    void removeSignatureId(@Param("clientId") Long clientId);
+
     /**
      * Count clients whose cif_number begins with the given prefix. Used by the CIF number generator
      * (TTYYYYNNNNNN format) to compute the next sequence within a given (type, year) bucket.

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

@@ -0,0 +1,173 @@
+/**
+ * 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.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.codes.domain.CodeValue;
+
+@Entity
+@Table(name = "m_client_risk_rule")
+public class ClientRiskRule {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(name = "rule_name", nullable = false, length = 100)
+    private String ruleName;
+
+    @Column(name = "legal_form_id")
+    private Integer legalFormId;
+
+    @ManyToOne
+    @JoinColumn(name = "occupation_category_cv_id")
+    private CodeValue occupationCategory;
+
+    @ManyToOne
+    @JoinColumn(name = "occupation_cv_id")
+    private CodeValue occupation;
+
+    @Column(name = "min_monthly_income", precision = 19, scale = 6)
+    private BigDecimal minMonthlyIncome;
+
+    @Column(name = "max_monthly_income", precision = 19, scale = 6)
+    private BigDecimal maxMonthlyIncome;
+
+    @Column(name = "min_annual_income", precision = 19, scale = 6)
+    private BigDecimal minAnnualIncome;
+
+    @Column(name = "max_annual_income", precision = 19, scale = 6)
+    private BigDecimal maxAnnualIncome;
+
+    @Column(name = "min_annual_turnover", precision = 19, scale = 6)
+    private BigDecimal minAnnualTurnover;
+
+    @Column(name = "max_annual_turnover", precision = 19, scale = 6)
+    private BigDecimal maxAnnualTurnover;
+
+    @Column(name = "risk_category", nullable = false)
+    private Integer riskCategory;
+
+    @Column(name = "reason", nullable = false, length = 500)
+    private String reason;
+
+    @Column(name = "aml_check_status", length = 20)
+    private String amlCheckStatus;
+
+    @Column(name = "banned_entity_match", length = 10)
+    private String bannedEntityMatch;
+
+    @Column(name = "willful_defaulter", length = 10)
+    private String willfulDefaulter;
+
+    @Column(name = "ecgc_sal_flag", length = 10)
+    private String ecgcSalFlag;
+
+    @Column(name = "dormant_flag", length = 20)
+    private String dormantFlag;
+
+    @Column(name = "order_position", nullable = false)
+    private Integer orderPosition;
+
+    protected ClientRiskRule() {}
+
+    public Long getId() {
+        return id;
+    }
+
+    public String getRuleName() {
+        return ruleName;
+    }
+
+    public Integer getLegalFormId() {
+        return legalFormId;
+    }
+
+    public CodeValue getOccupationCategory() {
+        return occupationCategory;
+    }
+
+    public CodeValue getOccupation() {
+        return occupation;
+    }
+
+    public BigDecimal getMinMonthlyIncome() {
+        return minMonthlyIncome;
+    }
+
+    public BigDecimal getMaxMonthlyIncome() {
+        return maxMonthlyIncome;
+    }
+
+    public BigDecimal getMinAnnualIncome() {
+        return minAnnualIncome;
+    }
+
+    public BigDecimal getMaxAnnualIncome() {
+        return maxAnnualIncome;
+    }
+
+    public BigDecimal getMinAnnualTurnover() {
+        return minAnnualTurnover;
+    }
+
+    public BigDecimal getMaxAnnualTurnover() {
+        return maxAnnualTurnover;
+    }
+
+    public Integer getRiskCategory() {
+        return riskCategory;
+    }
+
+    public String getReason() {
+        return reason;
+    }
+
+    public Integer getOrderPosition() {
+        return orderPosition;
+    }
+
+    public String getAmlCheckStatus() {
+        return amlCheckStatus;
+    }
+
+    public String getBannedEntityMatch() {
+        return bannedEntityMatch;
+    }
+
+    public String getWillfulDefaulter() {
+        return willfulDefaulter;
+    }
+
+    public String getEcgcSalFlag() {
+        return ecgcSalFlag;
+    }
+
+    public String getDormantFlag() {
+        return dormantFlag;
+    }
+}

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

@@ -0,0 +1,29 @@
+/**
+ * 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.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Query;
+
+public interface ClientRiskRuleRepository extends JpaRepository<ClientRiskRule, Long> {
+
+    @Query("SELECT r FROM ClientRiskRule r ORDER BY r.orderPosition ASC")
+    List<ClientRiskRule> findAllOrderedByOrderPosition();
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/currentaccount/data/CurrentAccountPendingEditData.java

@@ -0,0 +1,54 @@
+/**
+ * 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.currentaccount.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.Map;
+import lombok.Getter;
+import lombok.Setter;
+
+/**
+ * Read-side view of a single pending current account Nominee/Digital-Feature edit
+ * (m_current_account_pending_edit), for the Approvals -> Pending Current Account Edits screen.
+ */
+@Getter
+@Setter
+public class CurrentAccountPendingEditData implements Serializable {
+
+    private Long id;
+    private Long currentAccountId;
+    private String accountNo;
+    private Long makerId;
+    private String makerUsername;
+    private Long checkerId;
+    private String checkerUsername;
+    private LocalDateTime createdOn;
+    private LocalDateTime checkedOn;
+    private String status;
+    private String rejectReason;
+    private BigDecimal holdAmount;
+    private boolean facilityConfigSubmitted;
+    private boolean nomineeSubmitted;
+    private Map<String, Object> proposedFacilityConfig;
+    private Map<String, Object> proposedNominee;
+
+    public CurrentAccountPendingEditData() {}
+}

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

@@ -24,6 +24,7 @@ import jakarta.persistence.Table;
 import java.time.OffsetDateTime;
 import lombok.Getter;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Activity log for each DIP / MNRL mobile number lookup request.
@@ -78,6 +79,6 @@ public class MobileLookupLog extends AbstractAuditableWithUTCDateTimeCustom<Long
         this.rawResponse = rawResponse;
         this.lookupSource = lookupSource;
         this.clientId = clientId;
-        this.lookedUpOn = OffsetDateTime.now();
+        this.lookedUpOn = DateUtils.getOffsetDateTimeOfTenant();
     }
 }

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

@@ -18,7 +18,9 @@
  */
 package org.apache.fineract.portfolio.sanctions.domain;
 
+import java.time.OffsetDateTime;
 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;
@@ -40,4 +42,11 @@ public interface SanctionsEntryRepository extends JpaRepository<SanctionsEntry,
     void deleteAllByActiveTrue();
 
     long countByActiveTrue();
+
+    /**
+     * Timestamp the active sanctions list was last loaded into the database — i.e. the data
+     * currency shown to callers so they know which list snapshot a screening ran against.
+     */
+    @Query("SELECT MAX(s.createdDate) FROM SanctionsEntry s WHERE s.active = true")
+    Optional<OffsetDateTime> findListLastLoadedOn();
 }

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

@@ -23,6 +23,7 @@ import jakarta.persistence.Entity;
 import jakarta.persistence.Table;
 import java.time.OffsetDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 /**
  * Activity log for each sanctions screening request.
@@ -73,7 +74,7 @@ public class SanctionsScreeningLog extends AbstractAuditableWithUTCDateTimeCusto
         this.screeningSource = screeningSource;
         this.clientId = clientId;
         this.ipAddress = ipAddress;
-        this.screenedOn = OffsetDateTime.now();
+        this.screenedOn = DateUtils.getOffsetDateTimeOfTenant();
     }
 
     // ── Accessors ─────────────────────────────────────────────────────────────

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

@@ -224,7 +224,7 @@ public final class DepositsApiConstants {
      * Deposit Product Parameters
      */
     private static final Set<String> DEPOSIT_PRODUCT_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(localeParamName,
-            monthDayFormatParamName, nameParamName, shortNameParamName, descriptionParamName, currencyCodeParamName,
+            dateFormatParamName, monthDayFormatParamName, nameParamName, shortNameParamName, descriptionParamName, currencyCodeParamName,
             digitsAfterDecimalParamName, inMultiplesOfParamName, nominalAnnualInterestRateParamName, interestCompoundingPeriodTypeParamName,
             interestPostingPeriodTypeParamName, interestCalculationTypeParamName, interestCalculationDaysInYearTypeParamName,
             lockinPeriodFrequencyParamName, lockinPeriodFrequencyTypeParamName, accountingRuleParamName, chargesParamName,
@@ -512,6 +512,11 @@ public final class DepositsApiConstants {
         fixedDepositInterestCalculationData.add(tenureInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestPostingPeriodInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestCompoundingPeriodInMonthsParamName);
+        // Exact calendar-based calculation params
+        fixedDepositInterestCalculationData.add("submittedOnDate");
+        fixedDepositInterestCalculationData.add("dateFormat");
+        fixedDepositInterestCalculationData.add("locale");
+        fixedDepositInterestCalculationData.add("daysInYear");
 
         return fixedDepositInterestCalculationData;
 

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

@@ -170,6 +170,7 @@ public final class SavingsAccountData implements Serializable {
     private Boolean balanceSwapOption;
     private Boolean msme;
     private Boolean autoDebitFacility;
+    private Boolean terminateTrue;
     private String avgBalanceCalcPeriod;
     private String validForPeriod;
     private Boolean odAccountClosedZeroBalanceInDayClosing;

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

@@ -0,0 +1,55 @@
+/**
+ * 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.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDateTime;
+import java.util.Map;
+import lombok.Getter;
+import lombok.Setter;
+
+/**
+ * Read-side view of a single pending savings account Nominee/Digital-Feature edit
+ * (m_savings_account_pending_edit), for the Approvals -> Pending Savings Account Edits screen.
+ */
+@Getter
+@Setter
+public class SavingsAccountPendingEditData implements Serializable {
+
+    private Long id;
+    private Long savingsAccountId;
+    private String accountNo;
+    private Long makerId;
+    private String makerUsername;
+    private Long checkerId;
+    private String checkerUsername;
+    private LocalDateTime createdOn;
+    private LocalDateTime checkedOn;
+    private String status;
+    private String rejectReason;
+    private BigDecimal holdAmount;
+    private boolean facilityConfigSubmitted;
+    private boolean nomineeSubmitted;
+    private Map<String, Object> proposedFacilityConfig;
+    private Map<String, Object> proposedNominee;
+    private String depositAccountType;
+
+    public SavingsAccountPendingEditData() {}
+}

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

@@ -159,6 +159,9 @@ public final class SavingsProductData implements Serializable {
     @Getter @Setter private Map<String, Object> depositLimitKyc;
     @Getter @Setter private Map<String, List<Map<String, Object>>> otherGlMappingsMap;
 
+    // True when a row exists in m_saving_product_temp with status = PENDING for this product - that row is the lock.
+    @Getter @Setter private Boolean isPendingApproval;
+
     public static SavingsProductData template(final CurrencyData currency, final EnumOptionData interestCompoundingPeriodType,
             final EnumOptionData interestPostingPeriodType, final EnumOptionData interestCalculationType,
             final EnumOptionData interestCalculationDaysInYearType, final EnumOptionData accountingRule,
@@ -692,6 +695,7 @@ public final class SavingsProductData implements Serializable {
     }
 
     public boolean isCashBasedAccountingEnabled() {
+        if (this.accountingRule == null) return false;
         return AccountingRuleType.CASH_BASED.getValue().toString().equals(this.accountingRule.getValue());
     }
 
@@ -700,10 +704,12 @@ public final class SavingsProductData implements Serializable {
     }
 
     public boolean isUpfrontAccrualAccounting() {
+        if (this.accountingRule == null) return false;
         return AccountingRuleType.ACCRUAL_UPFRONT.getValue().toString().equals(this.accountingRule.getValue());
     }
 
     public boolean isPeriodicAccrualAccounting() {
+        if (this.accountingRule == null) return false;
         return AccountingRuleType.ACCRUAL_PERIODIC.getValue().toString().equals(this.accountingRule.getValue());
     }
 

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

@@ -0,0 +1,49 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.data;
+
+import java.io.Serializable;
+import java.time.LocalDateTime;
+import java.util.Map;
+import lombok.Getter;
+import lombok.Setter;
+
+/**
+ * Read-side view of a single pending Savings Product edit row (m_savings_product_temp), for the Approvals ->
+ * Pending Savings Product Edits screen.
+ */
+@Getter
+@Setter
+public class SavingsProductTempData implements Serializable {
+
+    private Long id;
+    private Long savingsProductId;
+    private String savingsProductName;
+    private Long makerId;
+    private String makerUsername;
+    private Long checkerId;
+    private String checkerUsername;
+    private LocalDateTime createdOn;
+    private LocalDateTime checkedOn;
+    private String status;
+    private String rejectReason;
+    private Map<String, Object> proposedChanges;
+
+    public SavingsProductTempData() {}
+}

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

@@ -36,7 +36,8 @@ public enum SavingsAccountStatusType {
     REJECTED(500, "savingsAccountStatusType.rejected"), //
     CLOSED(600, "savingsAccountStatusType.closed"), //
     PRE_MATURE_CLOSURE(700, "savingsAccountStatusType.pre.mature.closure"), //
-    MATURED(800, "savingsAccountStatusType.matured"); //
+    MATURED(800, "savingsAccountStatusType.matured"), //
+    TERMINATED(900, "savingsAccountStatusType.terminated"); //
 
     private final Integer value;
     private final String code;
@@ -53,6 +54,7 @@ public enum SavingsAccountStatusType {
             case 600 -> SavingsAccountStatusType.CLOSED;
             case 700 -> SavingsAccountStatusType.PRE_MATURE_CLOSURE;
             case 800 -> SavingsAccountStatusType.MATURED;
+            case 900 -> SavingsAccountStatusType.TERMINATED;
             default -> SavingsAccountStatusType.INVALID;
         };
     }
@@ -113,4 +115,8 @@ public enum SavingsAccountStatusType {
     public boolean isPreMatureClosure() {
         return this.value.equals(SavingsAccountStatusType.PRE_MATURE_CLOSURE.getValue());
     }
+
+    public boolean isTerminated() {
+        return this.value.equals(SavingsAccountStatusType.TERMINATED.getValue());
+    }
 }

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

@@ -285,6 +285,11 @@ public final class SavingsEnumerations {
                         SavingsAccountStatusType.MATURED.getCode(), "Matured", submittedAndPendingApproval, isApproved, isRejected,
                         isWithdrawnByApplicant, isActive, isClosed, isPrematureClosed, isTransferInProgress, isTransferOnHold, matured);
             break;
+            case TERMINATED:
+                optionData = new SavingsAccountStatusEnumData(SavingsAccountStatusType.TERMINATED.getValue().longValue(),
+                        SavingsAccountStatusType.TERMINATED.getCode(), "Terminated", submittedAndPendingApproval, isApproved, isRejected,
+                        isWithdrawnByApplicant, isActive, isClosed, isPrematureClosed, isTransferInProgress, isTransferOnHold, matured);
+            break;
         }
         return optionData;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/search/data/SearchConditions.java

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.search.data;
 
+import java.util.Locale;
 import org.apache.fineract.portfolio.search.SearchConstants.SearchSupportedResources;
 
 public class SearchConditions {
@@ -37,17 +38,17 @@ public class SearchConditions {
         this.searchResource = searchResource;
         this.exactMatch = exactMatch;
         this.clientSearch = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.CLIENTS.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.CLIENTS.name().toLowerCase(Locale.ROOT));
         this.groupSearch = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.GROUPS.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.GROUPS.name().toLowerCase(Locale.ROOT));
         this.loanSeach = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.LOANS.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.LOANS.name().toLowerCase(Locale.ROOT));
         this.savingSeach = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.SAVINGS.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.SAVINGS.name().toLowerCase(Locale.ROOT));
         this.shareSeach = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.SHARES.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.SHARES.name().toLowerCase(Locale.ROOT));
         this.clientIdentifierSearch = null == searchResource
-                || searchResource.toLowerCase().contains(SearchSupportedResources.CLIENTIDENTIFIERS.name().toLowerCase());
+                || searchResource.toLowerCase(Locale.ROOT).contains(SearchSupportedResources.CLIENTIDENTIFIERS.name().toLowerCase(Locale.ROOT));
     }
 
     public SearchConditions(final String searchQueryParam, final String searchResource, final Boolean clientSearch,

fineract-core/src/main/java/org/apache/fineract/portfolio/search/service/SearchUtil.java

@@ -321,6 +321,6 @@ public class SearchUtil {
 
     public String camelToSnake(final String camelStr) {
         return camelStr == null ? null
-                : camelStr.replaceAll("([A-Z]+)([A-Z][a-z])", "$1_$2").replaceAll("([a-z])([A-Z])", "$1_$2").toLowerCase();
+                : camelStr.replaceAll("([A-Z]+)([A-Z][a-z])", "$1_$2").replaceAll("([a-z])([A-Z])", "$1_$2").toLowerCase(Locale.ROOT);
     }
 }

fineract-core/src/main/java/org/apache/fineract/useradministration/agreement/domain/UserAgreement.java

@@ -0,0 +1,92 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.agreement.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.PrePersist;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.time.OffsetDateTime;
+import java.time.ZoneOffset;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * A versioned, admin-manageable "user agreement" (bank policy/warning) that every user must accept right after
+ * logging in. Only one row may be {@link #active} at a time; enforced transactionally by the write service, not a
+ * DB constraint.
+ */
+@Entity
+@Table(name = "m_user_agreement", uniqueConstraints = { @UniqueConstraint(columnNames = "version", name = "uq_user_agreement_version") })
+@Getter
+@Setter
+@NoArgsConstructor
+public class UserAgreement extends AbstractPersistableCustom<Long> {
+
+    @Column(name = "version", nullable = false)
+    private Integer version;
+
+    @Column(name = "title", length = 200, nullable = false)
+    private String title;
+
+    @Column(name = "body", nullable = false)
+    private String body;
+
+    @Column(name = "is_active", nullable = false)
+    private boolean active;
+
+    @ManyToOne(fetch = FetchType.LAZY, optional = false)
+    @JoinColumn(name = "created_by", nullable = false)
+    private AppUser createdBy;
+
+    @Column(name = "created_on", nullable = false, updatable = false)
+    private OffsetDateTime createdOn;
+
+    @PrePersist
+    private void prePersist() {
+        if (createdOn == null) {
+            createdOn = OffsetDateTime.now(ZoneOffset.UTC);
+        }
+    }
+
+    public static UserAgreement create(final Integer version, final String title, final String body, final AppUser createdBy) {
+        final UserAgreement agreement = new UserAgreement();
+        agreement.version = version;
+        agreement.title = title;
+        agreement.body = body;
+        agreement.createdBy = createdBy;
+        agreement.active = true;
+        return agreement;
+    }
+
+    public void activate() {
+        this.active = true;
+    }
+
+    public void deactivate() {
+        this.active = false;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/useradministration/agreement/domain/UserAgreementAcceptance.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.useradministration.agreement.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.FetchType;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.PrePersist;
+import jakarta.persistence.Table;
+import jakarta.persistence.UniqueConstraint;
+import java.time.OffsetDateTime;
+import java.time.ZoneOffset;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Audit-proof record of a user accepting a given version of the {@link UserAgreement} right after logging in.
+ * {@link #agreementVersion} is a denormalized snapshot of {@code UserAgreement.version} at acceptance time, so the
+ * acceptance record survives future version bumps unaffected.
+ */
+@Entity
+@Table(name = "m_user_agreement_acceptance", uniqueConstraints = {
+        @UniqueConstraint(columnNames = { "appuser_id", "agreement_id" }, name = "uq_user_agreement_acceptance") })
+@Getter
+@Setter
+@NoArgsConstructor
+public class UserAgreementAcceptance extends AbstractPersistableCustom<Long> {
+
+    @ManyToOne(fetch = FetchType.LAZY, optional = false)
+    @JoinColumn(name = "appuser_id", nullable = false)
+    private AppUser appUser;
+
+    @ManyToOne(fetch = FetchType.LAZY, optional = false)
+    @JoinColumn(name = "agreement_id", nullable = false)
+    private UserAgreement agreement;
+
+    @Column(name = "agreement_version", nullable = false)
+    private Integer agreementVersion;
+
+    @Column(name = "accepted_on", nullable = false, updatable = false)
+    private OffsetDateTime acceptedOn;
+
+    @Column(name = "ip_address", length = 45)
+    private String ipAddress;
+
+    @Column(name = "user_agent", length = 500)
+    private String userAgent;
+
+    @PrePersist
+    private void prePersist() {
+        if (acceptedOn == null) {
+            acceptedOn = OffsetDateTime.now(ZoneOffset.UTC);
+        }
+    }
+
+    public static UserAgreementAcceptance create(final AppUser appUser, final UserAgreement agreement, final String ipAddress,
+            final String userAgent) {
+        final UserAgreementAcceptance acceptance = new UserAgreementAcceptance();
+        acceptance.appUser = appUser;
+        acceptance.agreement = agreement;
+        acceptance.agreementVersion = agreement.getVersion();
+        acceptance.ipAddress = ipAddress;
+        acceptance.userAgent = userAgent;
+        return acceptance;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/useradministration/agreement/domain/UserAgreementAcceptanceRepository.java

@@ -0,0 +1,26 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.agreement.domain;
+
+import org.springframework.data.jpa.repository.JpaRepository;
+
+public interface UserAgreementAcceptanceRepository extends JpaRepository<UserAgreementAcceptance, Long> {
+
+    boolean existsByAppUser_IdAndAgreement_Id(Long appUserId, Long agreementId);
+}

fineract-core/src/main/java/org/apache/fineract/useradministration/agreement/domain/UserAgreementRepository.java

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

fineract-core/src/main/java/org/apache/fineract/useradministration/dsc/domain/BankUserDscRepository.java

@@ -39,7 +39,7 @@ public interface BankUserDscRepository extends JpaRepository<BankUserDsc, Long>
 
     /**
      * Login gate: returns true if the user has at least one usable DSC mapping that's also not
-     * past its notAfter date. The {@code dscExpiryDate &gt;= today} clause prevents 2FA-gating a
+     * past its notAfter date. The {@code dscExpiryDate >= today} clause prevents 2FA-gating a
      * user who's enrolled but whose cert silently expired between log-ins — they'd otherwise be
      * stuck in a verification loop with a cert the helper would sign with but the server would
      * accept (the verify side filters too, but the gate is what kicks the user into the DSC flow

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

@@ -39,6 +39,7 @@ import org.apache.fineract.infrastructure.core.domain.AbstractAuditableCustom;
 import org.apache.fineract.organisation.office.domain.Office;
 import org.apache.fineract.organisation.staff.domain.Staff;
 import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.useradministration.domain.AppUser;
 
 @Entity
 @Table(name = "m_current_account", uniqueConstraints = {
@@ -102,6 +103,30 @@ public class CurrentAccount extends AbstractAuditableCustom {
     @Column(name = "closedon_date")
     private LocalDate closedOnDate;
 
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "submittedon_userid")
+    private AppUser submittedOnByUser;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "approvedon_userid")
+    private AppUser approvedOnByUser;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "activatedon_userid")
+    private AppUser activatedOnByUser;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "rejectedon_userid")
+    private AppUser rejectedOnByUser;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "withdrawnon_userid")
+    private AppUser withdrawnOnByUser;
+
+    @ManyToOne(fetch = FetchType.LAZY)
+    @JoinColumn(name = "closedon_userid")
+    private AppUser closedOnByUser;
+
     // Currency (copied from product at account creation)
     @Column(name = "currency_code", nullable = false, length = 3)
     private String currencyCode;
@@ -304,6 +329,12 @@ public class CurrentAccount extends AbstractAuditableCustom {
     @Column(name = "od_account_closed_zero_balance_in_day_closing")
     private boolean odAccountClosedZeroBalanceInDayClosing = false;
 
+    @Column(name = "is_linking_enable", nullable = false)
+    private boolean shareLinkingEnabled = false;
+
+    @Column(name = "terminate_true", nullable = false, columnDefinition = "boolean default false")
+    private boolean terminateTrue = false;
+
 
     // Relationships
     @OneToMany(mappedBy = "currentAccount", cascade = CascadeType.ALL, orphanRemoval = true, fetch = FetchType.LAZY)
@@ -373,29 +404,34 @@ public class CurrentAccount extends AbstractAuditableCustom {
 
     public void updateAccountNo(String accountNo) { this.accountNo = accountNo; }
 
-    public void approve(LocalDate approvedOnDate) {
+    public void approve(LocalDate approvedOnDate, AppUser approvedOnByUser) {
         this.statusEnum = 200;
         this.approvedOnDate = approvedOnDate;
+        this.approvedOnByUser = approvedOnByUser;
     }
 
-    public void activate(LocalDate activatedOnDate) {
+    public void activate(LocalDate activatedOnDate, AppUser activatedOnByUser) {
         this.statusEnum = 300;
         this.activatedOnDate = activatedOnDate;
+        this.activatedOnByUser = activatedOnByUser;
     }
 
-    public void reject(LocalDate rejectedOnDate) {
+    public void reject(LocalDate rejectedOnDate, AppUser rejectedOnByUser) {
         this.statusEnum = 500;
         this.rejectedOnDate = rejectedOnDate;
+        this.rejectedOnByUser = rejectedOnByUser;
     }
 
-    public void withdraw(LocalDate withdrawnOnDate) {
+    public void withdraw(LocalDate withdrawnOnDate, AppUser withdrawnOnByUser) {
         this.statusEnum = 400;
         this.withdrawnOnDate = withdrawnOnDate;
+        this.withdrawnOnByUser = withdrawnOnByUser;
     }
 
-    public void close(LocalDate closedOnDate) {
+    public void close(LocalDate closedOnDate, AppUser closedOnByUser) {
         this.statusEnum = 600;
         this.closedOnDate = closedOnDate;
+        this.closedOnByUser = closedOnByUser;
     }
 
     public void setMinRequiredOpeningBalance(java.math.BigDecimal val) { this.minRequiredOpeningBalance = val; }
@@ -406,4 +442,15 @@ public class CurrentAccount extends AbstractAuditableCustom {
     public void setNominalAnnualInterestRateOverdraft(java.math.BigDecimal val) { this.nominalAnnualInterestRateOverdraft = val; }
     public void setWithdrawalFeeForTransfer(boolean val) { this.withdrawalFeeForTransfer = val; }
     public void setMinOverdraftForInterestCalculation(java.math.BigDecimal val) { this.minOverdraftForInterestCalculation = val; }
+
+    public boolean isShareLinkingEnabled() { return shareLinkingEnabled; }
+    public void setShareLinkingEnabled(boolean shareLinkingEnabled) { this.shareLinkingEnabled = shareLinkingEnabled; }
+
+    public boolean isTerminateTrue() { return terminateTrue; }
+    public void setTerminateTrue(boolean terminateTrue) { this.terminateTrue = terminateTrue; }
+
+    public void terminate() {
+        this.terminateTrue = true;
+        this.statusEnum = 900;
+    }
 }

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

@@ -99,4 +99,31 @@ public class CurrentAccountFacilityConfig extends AbstractPersistableCustom<Long
         cfg.currentAccount = account;
         return cfg;
     }
+
+    /**
+     * Partial update: only overwrites fields present (non-null) in the given JSON, leaving all others untouched.
+     * Mirrors {@code SavingsAccountFacilityConfig.updateFrom(JsonObject)}. Used by the Nominee/Digital-Feature
+     * edit-approval flow, which only ever submits the toggles the maker actually touched.
+     */
+    public void updateFrom(com.google.gson.JsonObject config) {
+        if (config == null) return;
+        if (config.has("atmFacility")) setAtmFacility(config.get("atmFacility").getAsBoolean());
+        if (config.has("atmWithdrawalFacility")) setAtmWithdrawalFacility(config.get("atmWithdrawalFacility").getAsBoolean());
+        if (config.has("upiFacility")) setUpiFacility(config.get("upiFacility").getAsBoolean());
+        if (config.has("posTransactionsFacility")) setPosTransactionsFacility(config.get("posTransactionsFacility").getAsBoolean());
+        if (config.has("chequeBook")) setChequeBook(config.get("chequeBook").getAsBoolean());
+        if (config.has("impsFacility")) setImpsFacility(config.get("impsFacility").getAsBoolean());
+        if (config.has("smsAlerts")) setSmsAlerts(config.get("smsAlerts").getAsBoolean());
+        if (config.has("bbpsFacility")) setBbpsFacility(config.get("bbpsFacility").getAsBoolean());
+        if (config.has("insuranceCover")) setInsuranceCover(config.get("insuranceCover").getAsBoolean());
+        if (config.has("bepgFacility")) setBepgFacility(config.get("bepgFacility").getAsBoolean());
+        if (config.has("neftFacility")) setNeftFacility(config.get("neftFacility").getAsBoolean());
+        if (config.has("rtgsFacility")) setRtgsFacility(config.get("rtgsFacility").getAsBoolean());
+        if (config.has("interBankTotalCapFacility")) setInterBankTotalCapFacility(config.get("interBankTotalCapFacility").getAsBoolean());
+        if (config.has("withdrawalFacility")) setWithdrawalFacility(config.get("withdrawalFacility").getAsBoolean());
+        if (config.has("depositFacilityKyc")) setDepositFacilityKyc(config.get("depositFacilityKyc").getAsBoolean());
+        if (config.has("virtualDebitCard")) setVirtualDebitCard(config.get("virtualDebitCard").getAsBoolean());
+        if (config.has("internetBanking")) setInternetBanking(config.get("internetBanking").getAsBoolean());
+        if (config.has("mobileBanking")) setMobileBanking(config.get("mobileBanking").getAsBoolean());
+    }
 }

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

@@ -0,0 +1,35 @@
+/**
+ * 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.currentaccount.domain;
+
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+
+/**
+ * This repository did not previously exist - {@link CurrentAccountFacilityConfig} rows were only ever persisted via
+ * cascade from {@link CurrentAccountRepository} (see {@code CurrentAccount#facilityConfig}, {@code cascade = ALL}).
+ * Added so the Nominee/Digital-Feature edit-approval flow can save the config row directly, mirroring
+ * {@code SavingsAccountFacilityConfigRepository}.
+ */
+@Repository
+public interface CurrentAccountFacilityConfigRepository extends JpaRepository<CurrentAccountFacilityConfig, Long> {
+
+    Optional<CurrentAccountFacilityConfig> findByCurrentAccountId(Long currentAccountId);
+}

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

@@ -0,0 +1,597 @@
+/**
+ * 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.currentaccount.domain;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.JoinColumn;
+import jakarta.persistence.ManyToOne;
+import jakarta.persistence.Table;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import lombok.Getter;
+import lombok.Setter;
+import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.useradministration.domain.AppUser;
+
+/**
+ * Holds a pending edit request for an ACTIVE current account's Nominee + Digital & Account Features.
+ * Presence of a row here with {@code status = PENDING} (enforced via the unique {@link #pendingLockKey}) is itself
+ * the lock - nothing is applied to the real {@code m_current_account_facility_config} / {@code m_client_nominee}
+ * rows until a checker approves (see CurrentAccountEditWritePlatformServiceJpaRepositoryImpl). Mirrors
+ * {@code SavingsAccountPendingEdit} but additionally carries a full point-in-time "wide snapshot" of every business
+ * column on {@link CurrentAccount} at submission time, for audit/UI display purposes only (not used to drive
+ * approve/reject logic, which reads the live account).
+ */
+@Entity
+@Table(name = "m_current_account_pending_edit")
+@Getter
+@Setter
+public class CurrentAccountPendingEdit extends AbstractPersistableCustom<Long> {
+
+    public static final String STATUS_PENDING = "PENDING";
+    public static final String STATUS_APPROVED = "APPROVED";
+    public static final String STATUS_REJECTED = "REJECTED";
+
+    public static final String NOMINEE_OP_ADD = "ADD";
+    public static final String NOMINEE_OP_UPDATE = "UPDATE";
+    public static final String NOMINEE_OP_DELETE = "DELETE";
+
+    @ManyToOne
+    @JoinColumn(name = "current_account_id", nullable = false)
+    private CurrentAccount currentAccount;
+
+    @ManyToOne
+    @JoinColumn(name = "createdby_id", nullable = false)
+    private AppUser maker;
+
+    @ManyToOne
+    @JoinColumn(name = "lastmodifiedby_id")
+    private AppUser checker;
+
+    @Column(name = "created_date", nullable = false)
+    private LocalDateTime createdOn;
+
+    @Column(name = "lastmodified_date")
+    private LocalDateTime checkedOn;
+
+    @Column(name = "status", nullable = false, length = 20)
+    private String status;
+
+    @Column(name = "reject_reason", length = 500)
+    private String rejectReason;
+
+    /** "CURRENT_ACCOUNT_EDIT:<currentAccountId>" while PENDING, NULL otherwise - the real DB-level lock. */
+    @Column(name = "pending_lock_key", length = 40)
+    private String pendingLockKey;
+
+    /** Links to the audit-only m_portfolio_command_source row created for this edit's submit/approve/reject. */
+    @Column(name = "command_source_id")
+    private Long commandSourceId;
+
+    @Column(name = "hold_transaction_id")
+    private Long holdTransactionId;
+
+    @Column(name = "hold_amount", precision = 19, scale = 6)
+    private BigDecimal holdAmount;
+
+    // ── Digital & Account Features (same names as m_current_account_facility_config) ──
+    @Column(name = "facility_config_submitted", nullable = false)
+    private boolean facilityConfigSubmitted = false;
+
+    @Column(name = "atm_facility")
+    private Boolean atmFacility;
+
+    @Column(name = "atm_withdrawal_facility")
+    private Boolean atmWithdrawalFacility;
+
+    @Column(name = "upi_facility")
+    private Boolean upiFacility;
+
+    @Column(name = "pos_transactions_facility")
+    private Boolean posTransactionsFacility;
+
+    @Column(name = "cheque_book")
+    private Boolean chequeBook;
+
+    @Column(name = "imps_facility")
+    private Boolean impsFacility;
+
+    @Column(name = "sms_alerts")
+    private Boolean smsAlerts;
+
+    @Column(name = "bbps_facility")
+    private Boolean bbpsFacility;
+
+    @Column(name = "insurance_cover")
+    private Boolean insuranceCover;
+
+    @Column(name = "bepg_facility")
+    private Boolean bepgFacility;
+
+    @Column(name = "neft_facility")
+    private Boolean neftFacility;
+
+    @Column(name = "rtgs_facility")
+    private Boolean rtgsFacility;
+
+    @Column(name = "inter_bank_total_cap_facility")
+    private Boolean interBankTotalCapFacility;
+
+    @Column(name = "withdrawal_facility")
+    private Boolean withdrawalFacility;
+
+    @Column(name = "deposit_facility_kyc")
+    private Boolean depositFacilityKyc;
+
+    @Column(name = "virtual_debit_card")
+    private Boolean virtualDebitCard;
+
+    @Column(name = "internet_banking")
+    private Boolean internetBanking;
+
+    @Column(name = "mobile_banking")
+    private Boolean mobileBanking;
+
+    // ── Nominee change - one per request (add / update / delete) ──
+    @Column(name = "nominee_submitted", nullable = false)
+    private boolean nomineeSubmitted = false;
+
+    @Column(name = "nominee_operation", length = 10)
+    private String nomineeOperation;
+
+    @Column(name = "nominee_id")
+    private Long nomineeId;
+
+    @Column(name = "nominee_client_id")
+    private Long nomineeClientId;
+
+    @Column(name = "relationship_cv_id")
+    private Long relationshipCvId;
+
+    @Column(name = "percentage_share", precision = 5, scale = 2)
+    private BigDecimal percentageShare;
+
+    @Column(name = "nominee_is_active")
+    private Boolean nomineeIsActive;
+
+    @Column(name = "nominee_is_minor")
+    private Boolean nomineeIsMinor;
+
+    @Column(name = "guardian_client_id")
+    private Long guardianClientId;
+
+    @Column(name = "guardian_relationship_cv_id")
+    private Long guardianRelationshipCvId;
+
+    @Column(name = "effective_date")
+    private LocalDate effectiveDate;
+
+    @Column(name = "nominee_remarks", length = 500)
+    private String nomineeRemarks;
+
+    // ── Wide point-in-time snapshot of every business column on CurrentAccount at submission time ──
+    // (audit/UI display only - approve()/reject() logic never reads these, it reads the live account)
+    @Column(name = "account_no", length = 20)
+    private String snapshotAccountNo;
+
+    @Column(name = "external_id", length = 100)
+    private String snapshotExternalId;
+
+    @Column(name = "client_id")
+    private Long snapshotClientId;
+
+    @Column(name = "product_id")
+    private Long snapshotProductId;
+
+    @Column(name = "office_id")
+    private Long snapshotOfficeId;
+
+    @Column(name = "staff_id")
+    private Long snapshotStaffId;
+
+    @Column(name = "status_enum")
+    private Integer snapshotStatusEnum;
+
+    @Column(name = "sub_status_enum")
+    private Integer snapshotSubStatusEnum;
+
+    @Column(name = "account_type_enum")
+    private Integer snapshotAccountTypeEnum;
+
+    @Column(name = "submittedon_date")
+    private LocalDate snapshotSubmittedOnDate;
+
+    @Column(name = "approvedon_date")
+    private LocalDate snapshotApprovedOnDate;
+
+    @Column(name = "activatedon_date")
+    private LocalDate snapshotActivatedOnDate;
+
+    @Column(name = "rejectedon_date")
+    private LocalDate snapshotRejectedOnDate;
+
+    @Column(name = "withdrawnon_date")
+    private LocalDate snapshotWithdrawnOnDate;
+
+    @Column(name = "closedon_date")
+    private LocalDate snapshotClosedOnDate;
+
+    @Column(name = "submittedon_userid")
+    private Long snapshotSubmittedOnUserId;
+
+    @Column(name = "approvedon_userid")
+    private Long snapshotApprovedOnUserId;
+
+    @Column(name = "activatedon_userid")
+    private Long snapshotActivatedOnUserId;
+
+    @Column(name = "rejectedon_userid")
+    private Long snapshotRejectedOnUserId;
+
+    @Column(name = "withdrawnon_userid")
+    private Long snapshotWithdrawnOnUserId;
+
+    @Column(name = "closedon_userid")
+    private Long snapshotClosedOnUserId;
+
+    @Column(name = "currency_code", length = 3)
+    private String snapshotCurrencyCode;
+
+    @Column(name = "currency_digits")
+    private Integer snapshotCurrencyDigits;
+
+    @Column(name = "currency_multiplesof")
+    private Integer snapshotCurrencyMultiplesOf;
+
+    @Column(name = "nominal_annual_interest_rate", precision = 19, scale = 6)
+    private BigDecimal snapshotNominalAnnualInterestRate;
+
+    @Column(name = "interest_compounding_period_enum")
+    private Integer snapshotInterestCompoundingPeriodEnum;
+
+    @Column(name = "interest_posting_period_enum")
+    private Integer snapshotInterestPostingPeriodEnum;
+
+    @Column(name = "interest_calculation_type_enum")
+    private Integer snapshotInterestCalculationTypeEnum;
+
+    @Column(name = "interest_calculation_days_in_year_type_enum")
+    private Integer snapshotInterestCalculationDaysInYearTypeEnum;
+
+    @Column(name = "min_balance_for_interest_calculation", precision = 19, scale = 6)
+    private BigDecimal snapshotMinBalanceForInterestCalculation;
+
+    @Column(name = "start_interest_calculation_date")
+    private LocalDate snapshotStartInterestCalculationDate;
+
+    @Column(name = "accrued_till_date")
+    private LocalDate snapshotAccruedTillDate;
+
+    @Column(name = "last_interest_calculation_date")
+    private LocalDate snapshotLastInterestCalculationDate;
+
+    @Column(name = "last_closed_business_date")
+    private LocalDate snapshotLastClosedBusinessDate;
+
+    @Column(name = "withhold_tax")
+    private Boolean snapshotWithholdTax;
+
+    @Column(name = "min_required_opening_balance", precision = 19, scale = 6)
+    private BigDecimal snapshotMinRequiredOpeningBalance;
+
+    @Column(name = "lockin_period_frequency")
+    private Integer snapshotLockinPeriodFrequency;
+
+    @Column(name = "lockin_period_frequency_enum")
+    private Integer snapshotLockinPeriodFrequencyEnum;
+
+    @Column(name = "lockedin_until_date_derived")
+    private LocalDate snapshotLockedInUntilDate;
+
+    @Column(name = "enforce_min_required_balance")
+    private Boolean snapshotEnforceMinRequiredBalance;
+
+    @Column(name = "min_required_balance", precision = 19, scale = 6)
+    private BigDecimal snapshotMinRequiredBalance;
+
+    @Column(name = "allow_overdraft")
+    private Boolean snapshotAllowOverdraft;
+
+    @Column(name = "overdraft_limit", precision = 19, scale = 6)
+    private BigDecimal snapshotOverdraftLimit;
+
+    @Column(name = "nominal_annual_interest_rate_overdraft", precision = 19, scale = 6)
+    private BigDecimal snapshotNominalAnnualInterestRateOverdraft;
+
+    @Column(name = "min_overdraft_for_interest_calculation", precision = 19, scale = 6)
+    private BigDecimal snapshotMinOverdraftForInterestCalculation;
+
+    @Column(name = "is_lien_allowed")
+    private Boolean snapshotLienAllowed;
+
+    @Column(name = "max_allowed_lien_limit", precision = 19, scale = 6)
+    private BigDecimal snapshotMaxAllowedLienLimit;
+
+    @Column(name = "on_hold_funds_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotOnHoldFundsDerived;
+
+    @Column(name = "account_balance_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotAccountBalanceDerived;
+
+    @Column(name = "total_deposits_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalDepositsDerived;
+
+    @Column(name = "total_withdrawals_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalWithdrawalsDerived;
+
+    @Column(name = "total_interest_earned_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalInterestEarnedDerived;
+
+    @Column(name = "total_interest_posted_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalInterestPostedDerived;
+
+    @Column(name = "total_overdraft_interest_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalOverdraftInterestDerived;
+
+    @Column(name = "total_withhold_tax_derived", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalWithholdTaxDerived;
+
+    @Column(name = "total_savings_amount_on_hold", precision = 19, scale = 6)
+    private BigDecimal snapshotTotalSavingsAmountOnHold;
+
+    @Column(name = "withdrawal_fee_for_transfer")
+    private Boolean snapshotWithdrawalFeeForTransfer;
+
+    @Column(name = "reason_for_block", length = 500)
+    private String snapshotReasonForBlock;
+
+    @Column(name = "msme")
+    private Boolean snapshotMsme;
+
+    @Column(name = "auto_debit_facility")
+    private Boolean snapshotAutoDebitFacility;
+
+    @Column(name = "balance_swap_option")
+    private Boolean snapshotBalanceSwapOption;
+
+    @Column(name = "establishment_date")
+    private LocalDate snapshotEstablishmentDate;
+
+    @Column(name = "start_operation_date")
+    private LocalDate snapshotStartOperationDate;
+
+    @Column(name = "is_non_individual_client")
+    private Boolean snapshotNonIndividualClient;
+
+    @Column(name = "signatory_rights", length = 100)
+    private String snapshotSignatoryRights;
+
+    @Column(name = "cbs_account_type", length = 100)
+    private String snapshotCbsAccountType;
+
+    @Column(name = "customer_segment", length = 100)
+    private String snapshotCustomerSegment;
+
+    @Column(name = "account_status", length = 50)
+    private String snapshotAccountStatus;
+
+    @Column(name = "mode_of_operation", length = 50)
+    private String snapshotModeOfOperation;
+
+    @Column(name = "special_category", length = 100)
+    private String snapshotSpecialCategory;
+
+    @Column(name = "introducer_client_id")
+    private Long snapshotIntroducerClientId;
+
+    @Column(name = "introducer_name", length = 200)
+    private String snapshotIntroducerName;
+
+    @Column(name = "introducer_cif_number", length = 50)
+    private String snapshotIntroducerCifNumber;
+
+    @Column(name = "nominee_data", columnDefinition = "TEXT")
+    private String snapshotNomineeData;
+
+    @Column(name = "interest_calculate_selector")
+    private Integer snapshotInterestCalculateSelector;
+
+    @Column(name = "average_period", length = 20)
+    private String snapshotAveragePeriod;
+
+    @Column(name = "auto_post")
+    private Boolean snapshotAutoPost;
+
+    @Column(name = "frequency_fix_day")
+    private Integer snapshotFrequencyFixDay;
+
+    @Column(name = "enable_lockin_period")
+    private Boolean snapshotEnableLockinPeriod;
+
+    @Column(name = "balance_frequency", length = 50)
+    private String snapshotBalanceFrequency;
+
+    @Column(name = "avg_balance_calc_period", length = 10)
+    private String snapshotAvgBalanceCalcPeriod;
+
+    @Column(name = "account_closed_zero_balance_in_day_closing")
+    private Boolean snapshotAccountClosedZeroBalanceInDayClosing;
+
+    @Column(name = "valid_for_period", length = 10)
+    private String snapshotValidForPeriod;
+
+    @Column(name = "od_account_closed_zero_balance_in_day_closing")
+    private Boolean snapshotOdAccountClosedZeroBalanceInDayClosing;
+
+    @Column(name = "is_linking_enable")
+    private Boolean snapshotShareLinkingEnabled;
+
+    @Column(name = "terminate_true")
+    private Boolean snapshotTerminateTrue;
+
+    protected CurrentAccountPendingEdit() {}
+
+    public CurrentAccountPendingEdit(final CurrentAccount currentAccount, final AppUser maker) {
+        this.currentAccount = currentAccount;
+        this.maker = maker;
+        this.createdOn = DateUtils.getLocalDateTimeOfTenant();
+        this.status = STATUS_PENDING;
+        this.pendingLockKey = lockKeyFor(currentAccount.getId());
+    }
+
+    public static String lockKeyFor(final Long currentAccountId) {
+        return "CURRENT_ACCOUNT_EDIT:" + currentAccountId;
+    }
+
+    /**
+     * Builds a new pending-edit row and copies every business column off the live {@code account} onto this
+     * request's wide snapshot fields, for audit/UI display purposes only.
+     */
+    public static CurrentAccountPendingEdit snapshotOf(final CurrentAccount account, final AppUser maker) {
+        final CurrentAccountPendingEdit p = new CurrentAccountPendingEdit(account, maker);
+
+        p.snapshotAccountNo = account.getAccountNo();
+        p.snapshotExternalId = account.getExternalId();
+        p.snapshotClientId = account.getClient() != null ? account.getClient().getId() : null;
+        p.snapshotProductId = account.getProductId();
+        p.snapshotOfficeId = account.getOffice() != null ? account.getOffice().getId() : null;
+        p.snapshotStaffId = account.getStaff() != null ? account.getStaff().getId() : null;
+        p.snapshotStatusEnum = account.getStatusEnum();
+        p.snapshotSubStatusEnum = account.getSubStatusEnum();
+        p.snapshotAccountTypeEnum = account.getAccountTypeEnum();
+
+        p.snapshotSubmittedOnDate = account.getSubmittedOnDate();
+        p.snapshotApprovedOnDate = account.getApprovedOnDate();
+        p.snapshotActivatedOnDate = account.getActivatedOnDate();
+        p.snapshotRejectedOnDate = account.getRejectedOnDate();
+        p.snapshotWithdrawnOnDate = account.getWithdrawnOnDate();
+        p.snapshotClosedOnDate = account.getClosedOnDate();
+
+        p.snapshotSubmittedOnUserId = account.getSubmittedOnByUser() != null ? account.getSubmittedOnByUser().getId() : null;
+        p.snapshotApprovedOnUserId = account.getApprovedOnByUser() != null ? account.getApprovedOnByUser().getId() : null;
+        p.snapshotActivatedOnUserId = account.getActivatedOnByUser() != null ? account.getActivatedOnByUser().getId() : null;
+        p.snapshotRejectedOnUserId = account.getRejectedOnByUser() != null ? account.getRejectedOnByUser().getId() : null;
+        p.snapshotWithdrawnOnUserId = account.getWithdrawnOnByUser() != null ? account.getWithdrawnOnByUser().getId() : null;
+        p.snapshotClosedOnUserId = account.getClosedOnByUser() != null ? account.getClosedOnByUser().getId() : null;
+
+        p.snapshotCurrencyCode = account.getCurrencyCode();
+        p.snapshotCurrencyDigits = account.getCurrencyDigits();
+        p.snapshotCurrencyMultiplesOf = account.getCurrencyMultiplesOf();
+
+        p.snapshotNominalAnnualInterestRate = account.getNominalAnnualInterestRate();
+        p.snapshotInterestCompoundingPeriodEnum = account.getInterestCompoundingPeriodEnum();
+        p.snapshotInterestPostingPeriodEnum = account.getInterestPostingPeriodEnum();
+        p.snapshotInterestCalculationTypeEnum = account.getInterestCalculationTypeEnum();
+        p.snapshotInterestCalculationDaysInYearTypeEnum = account.getInterestCalculationDaysInYearTypeEnum();
+        p.snapshotMinBalanceForInterestCalculation = account.getMinBalanceForInterestCalculation();
+        p.snapshotStartInterestCalculationDate = account.getStartInterestCalculationDate();
+        p.snapshotAccruedTillDate = account.getAccruedTillDate();
+        p.snapshotLastInterestCalculationDate = account.getLastInterestCalculationDate();
+        p.snapshotLastClosedBusinessDate = account.getLastClosedBusinessDate();
+
+        p.snapshotWithholdTax = account.isWithholdTax();
+
+        p.snapshotMinRequiredOpeningBalance = account.getMinRequiredOpeningBalance();
+        p.snapshotLockinPeriodFrequency = account.getLockinPeriodFrequency();
+        p.snapshotLockinPeriodFrequencyEnum = account.getLockinPeriodFrequencyEnum();
+        p.snapshotLockedInUntilDate = account.getLockedInUntilDate();
+        p.snapshotEnforceMinRequiredBalance = account.isEnforceMinRequiredBalance();
+        p.snapshotMinRequiredBalance = account.getMinRequiredBalance();
+
+        p.snapshotAllowOverdraft = account.isAllowOverdraft();
+        p.snapshotOverdraftLimit = account.getOverdraftLimit();
+        p.snapshotNominalAnnualInterestRateOverdraft = account.getNominalAnnualInterestRateOverdraft();
+        p.snapshotMinOverdraftForInterestCalculation = account.getMinOverdraftForInterestCalculation();
+
+        p.snapshotLienAllowed = account.isLienAllowed();
+        p.snapshotMaxAllowedLienLimit = account.getMaxAllowedLienLimit();
+        p.snapshotOnHoldFundsDerived = account.getOnHoldFundsDerived();
+
+        p.snapshotAccountBalanceDerived = account.getAccountBalanceDerived();
+        p.snapshotTotalDepositsDerived = account.getTotalDepositsDerived();
+        p.snapshotTotalWithdrawalsDerived = account.getTotalWithdrawalsDerived();
+        p.snapshotTotalInterestEarnedDerived = account.getTotalInterestEarnedDerived();
+        p.snapshotTotalInterestPostedDerived = account.getTotalInterestPostedDerived();
+        p.snapshotTotalOverdraftInterestDerived = account.getTotalOverdraftInterestDerived();
+        p.snapshotTotalWithholdTaxDerived = account.getTotalWithholdTaxDerived();
+        p.snapshotTotalSavingsAmountOnHold = account.getTotalSavingsAmountOnHold();
+
+        p.snapshotWithdrawalFeeForTransfer = account.isWithdrawalFeeForTransfer();
+        p.snapshotReasonForBlock = account.getReasonForBlock();
+
+        p.snapshotMsme = account.isMsme();
+        p.snapshotAutoDebitFacility = account.isAutoDebitFacility();
+        p.snapshotBalanceSwapOption = account.isBalanceSwapOption();
+        p.snapshotEstablishmentDate = account.getEstablishmentDate();
+        p.snapshotStartOperationDate = account.getStartOperationDate();
+        p.snapshotNonIndividualClient = account.isNonIndividualClient();
+        p.snapshotSignatoryRights = account.getSignatoryRights();
+
+        p.snapshotCbsAccountType = account.getCbsAccountType();
+        p.snapshotCustomerSegment = account.getCustomerSegment();
+        p.snapshotAccountStatus = account.getAccountStatus();
+        p.snapshotModeOfOperation = account.getModeOfOperation();
+        p.snapshotSpecialCategory = account.getSpecialCategory();
+
+        p.snapshotIntroducerClientId = account.getIntroducerClientId();
+        p.snapshotIntroducerName = account.getIntroducerName();
+        p.snapshotIntroducerCifNumber = account.getIntroducerCifNumber();
+
+        p.snapshotNomineeData = account.getNomineeData();
+
+        p.snapshotInterestCalculateSelector = account.getInterestCalculateSelector();
+        p.snapshotAveragePeriod = account.getAveragePeriod();
+        p.snapshotAutoPost = account.isAutoPost();
+        p.snapshotFrequencyFixDay = account.getFrequencyFixDay();
+        p.snapshotEnableLockinPeriod = account.isEnableLockinPeriod();
+        p.snapshotBalanceFrequency = account.getBalanceFrequency();
+        p.snapshotAvgBalanceCalcPeriod = account.getAvgBalanceCalcPeriod();
+
+        p.snapshotAccountClosedZeroBalanceInDayClosing = account.getAccountClosedZeroBalanceInDayClosing();
+        p.snapshotValidForPeriod = account.getValidForPeriod();
+        p.snapshotOdAccountClosedZeroBalanceInDayClosing = account.isOdAccountClosedZeroBalanceInDayClosing();
+
+        p.snapshotShareLinkingEnabled = account.isShareLinkingEnabled();
+        p.snapshotTerminateTrue = account.isTerminateTrue();
+
+        return p;
+    }
+
+    public boolean isPending() {
+        return STATUS_PENDING.equals(this.status);
+    }
+
+    public void markApproved(final AppUser checker) {
+        this.status = STATUS_APPROVED;
+        this.checker = checker;
+        this.checkedOn = DateUtils.getLocalDateTimeOfTenant();
+        this.pendingLockKey = null;
+    }
+
+    public void markRejected(final AppUser checker, final String reason) {
+        this.status = STATUS_REJECTED;
+        this.checker = checker;
+        this.checkedOn = DateUtils.getLocalDateTimeOfTenant();
+        this.rejectReason = reason;
+        this.pendingLockKey = null;
+    }
+}

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

@@ -0,0 +1,32 @@
+/**
+ * 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.currentaccount.domain;
+
+import java.util.List;
+import java.util.Optional;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.stereotype.Repository;
+
+@Repository
+public interface CurrentAccountPendingEditRepository extends JpaRepository<CurrentAccountPendingEdit, Long> {
+
+    Optional<CurrentAccountPendingEdit> findByCurrentAccountIdAndStatus(Long currentAccountId, String status);
+
+    List<CurrentAccountPendingEdit> findByStatus(String status);
+}

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

@@ -0,0 +1,47 @@
+/**
+ * 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.currentaccount.domain;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.currentaccount.exception.CurrentAccountNotFoundException;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * <p>
+ * Wrapper for {@link CurrentAccountRepository} that is responsible for checking if {@link CurrentAccount} is
+ * returned when using <code>findOne</code> repository method and throwing an appropriate not found exception.
+ * </p>
+ *
+ * <p>
+ * This is to avoid need for checking and throwing in multiple areas of code base where
+ * {@link CurrentAccountRepository} is required.
+ * </p>
+ */
+@Service
+@RequiredArgsConstructor
+public class CurrentAccountRepositoryWrapper {
+
+    private final CurrentAccountRepository repository;
+
+    @Transactional(readOnly = true)
+    public CurrentAccount findOneWithNotFoundDetection(final Long id) {
+        return this.repository.findById(id).orElseThrow(() -> new CurrentAccountNotFoundException(id));
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/exception/CurrentAccountEditInsufficientBalanceException.java

@@ -0,0 +1,37 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.currentaccount.exception;
+
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+/**
+ * Thrown at edit-submission time when the account's available balance cannot cover the charge for
+ * the digital/account feature(s) the maker is requesting to enable.
+ */
+public class CurrentAccountEditInsufficientBalanceException extends AbstractPlatformDomainRuleException {
+
+    public CurrentAccountEditInsufficientBalanceException(final Long currentAccountId, final BigDecimal availableBalance,
+            final BigDecimal requiredAmount) {
+        super("error.msg.currentaccount.edit.insufficient.balance",
+                "Account balance is insufficient for the requested feature(s). Available balance: " + availableBalance
+                        + ", required: " + requiredAmount,
+                currentAccountId, availableBalance, requiredAmount);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/exception/CurrentAccountEditPendingApprovalException.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.currentaccount.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentAccountEditPendingApprovalException extends AbstractPlatformDomainRuleException {
+
+    public CurrentAccountEditPendingApprovalException(final Long currentAccountId) {
+        super("error.msg.currentaccount.edit.pending.approval.exists",
+                "Current account with identifier " + currentAccountId + " already has a Nominee/Digital-Feature edit pending approval",
+                currentAccountId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/exception/CurrentAccountEditSelfApprovalNotAllowedException.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.currentaccount.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentAccountEditSelfApprovalNotAllowedException extends AbstractPlatformDomainRuleException {
+
+    public CurrentAccountEditSelfApprovalNotAllowedException(final Long currentAccountId) {
+        super("error.msg.currentaccount.edit.self.approval.not.allowed",
+                "The maker of the pending Nominee/Digital-Feature edit for current account " + currentAccountId
+                        + " cannot also approve or reject it",
+                currentAccountId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/exception/CurrentAccountNoPendingEditException.java

@@ -0,0 +1,30 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.currentaccount.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentAccountNoPendingEditException extends AbstractPlatformDomainRuleException {
+
+    public CurrentAccountNoPendingEditException(final Long currentAccountId) {
+        super("error.msg.currentaccount.no.pending.edit",
+                "Current account with identifier " + currentAccountId + " has no Nominee/Digital-Feature edit awaiting approval",
+                currentAccountId);
+    }
+}

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

@@ -0,0 +1,37 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.currentaccount.service;
+
+import java.util.Collection;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.currentaccount.data.CurrentAccountPendingEditData;
+
+public interface CurrentAccountEditWritePlatformService {
+
+    CommandProcessingResult submitEditForApproval(Long currentAccountId, JsonCommand command);
+
+    CommandProcessingResult approveEdit(Long currentAccountId);
+
+    CommandProcessingResult rejectEdit(Long currentAccountId, String rejectReason);
+
+    CurrentAccountPendingEditData retrievePendingEdit(Long currentAccountId);
+
+    Collection<CurrentAccountPendingEditData> retrieveAllPendingEdits();
+}

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

@@ -37,6 +37,33 @@ public class CurrentAccountNumberGenerator {
 
     private final JdbcTemplate jdbcTemplate;
 
+    private String getNextSequence() {
+        final java.util.List<String> accountNos = this.jdbcTemplate.query(
+                "SELECT account_no FROM m_current_account WHERE account_no IS NOT NULL",
+                (rs, rowNum) -> rs.getString(1));
+
+        long maxVal = 0;
+        for (String accNo : accountNos) {
+            if (accNo != null && accNo.length() >= 5) {
+                String suffix = accNo.substring(accNo.length() - 5);
+                try {
+                    long val = Long.parseLong(suffix);
+                    if (val > maxVal) {
+                        maxVal = val;
+                    }
+                } catch (NumberFormatException ignored) {
+                    // non-numeric suffix - skip when computing the max existing sequence
+                }
+            }
+        }
+
+        String nextSeq = StringUtils.leftPad(String.valueOf(maxVal + 1), 5, '0');
+        if (nextSeq.length() > 5) {
+            nextSeq = nextSeq.substring(nextSeq.length() - 5);
+        }
+        return nextSeq;
+    }
+
     public String generate(CurrentAccount account) {
         Long productId = account.getProductId();
 
@@ -59,11 +86,10 @@ public class CurrentAccountNumberGenerator {
         String officeId = StringUtils.leftPad(account.getOffice().getId().toString(), 2, '0');
         if (officeId.length() > 2) officeId = officeId.substring(officeId.length() - 2);
 
-        // Account ID — 5 digits
+        // Next sequence from existing account numbers
-        String accountId = StringUtils.leftPad(account.getId().toString(), 5, '0');
+        String nextSeq = getNextSequence();
-        if (accountId.length() > 5) accountId = accountId.substring(accountId.length() - 5);
 
-        return CBS_PREFIX + glCode + officeId + accountId;
+        return CBS_PREFIX + glCode + officeId + nextSeq;
     }
 
     public String preview(Long productId, Long officeId) {
@@ -80,13 +106,10 @@ public class CurrentAccountNumberGenerator {
         String officeStr = StringUtils.leftPad(officeId != null ? officeId.toString() : "0", 2, '0');
         if (officeStr.length() > 2) officeStr = officeStr.substring(officeStr.length() - 2);
 
-        // Next account ID estimate from m_current_account
+        // Next sequence from existing account numbers
-        Long maxId = jdbcTemplate.query(
+        String nextSeq = getNextSequence();
-                "SELECT MAX(id) FROM m_current_account",
-                rs -> rs.next() ? rs.getLong(1) : 0L);
-        String nextSeq = StringUtils.leftPad(String.valueOf((maxId != null ? maxId : 0L) + 1), 5, '0');
-        if (nextSeq.length() > 5) nextSeq = nextSeq.substring(nextSeq.length() - 5);
 
         return CBS_PREFIX + glCode + officeStr + nextSeq;
     }
+
 }

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

@@ -26,6 +26,8 @@ public interface CurrentAccountReadPlatformService {
 
     Map<String, Object> retrieveOne(Long accountId);
 
+    Map<String, Object> retrieveOneTransaction(Long accountId, Long transactionId);
+
     List<Map<String, Object>> retrieveAll();
 
     List<Map<String, Object>> retrieveAll(Integer offset, Integer limit, String accountNo, String clientName);

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

@@ -18,6 +18,7 @@
  */
 package org.apache.fineract.portfolio.currentaccount.service;
 
+import java.util.Set;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 
@@ -40,4 +41,15 @@ public interface CurrentAccountWritePlatformService {
     CommandProcessingResult modifyApplication(Long accountId, JsonCommand command);
 
     CommandProcessingResult deleteApplication(Long accountId);
+
+    CommandProcessingResult terminateAccount(Long accountId, JsonCommand command);
+
+    /**
+     * Resolves each of the given (newly-enabled) facility types to its mapped charge via
+     * {@code m_facility_charge_mapping}, creates a {@code CurrentAccountCharge} for it (skipping any facility type
+     * for which the account already has a paid, non-waived charge for the same mapped {@code Charge}), collects it
+     * from the account's running balance as of today, and posts the corresponding GL journal entries. Reuses the
+     * same private charge-creation-and-collection helper that {@code activate()} uses for activation-time charges.
+     */
+    void applyAndCollectFacilityCharges(Long currentAccountId, Set<String> newlyEnabledFacilityTypes);
 }

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

@@ -54,7 +54,6 @@ import com.google.gson.JsonElement;
 import com.google.gson.reflect.TypeToken;
 import java.lang.reflect.Type;
 import java.math.BigDecimal;
-import java.time.MonthDay;
 import java.util.ArrayList;
 import java.util.Arrays;
 import java.util.HashSet;
@@ -76,7 +75,6 @@ import org.apache.fineract.portfolio.savings.DepositAccountType;
 import org.apache.fineract.portfolio.savings.SavingsApiConstants;
 import org.apache.fineract.portfolio.savings.SavingsCompoundingInterestPeriodType;
 import org.apache.fineract.portfolio.savings.SavingsInterestCalculationDaysInYearType;
-import org.apache.fineract.portfolio.savings.SavingsInterestCalculationType;
 import org.apache.fineract.portfolio.savings.SavingsPostingInterestPeriodType;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProduct;
 import org.apache.fineract.portfolio.savings.data.SavingsProductAccountingDataValidator;

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

@@ -56,18 +56,11 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.accountT
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.customerSegmentParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.productCodeParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.glAccountIdParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.effectiveDateParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.effectiveToParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.endDateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.introducerRequiredParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.shareLinkingEnabledParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nominationFacilityParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.dormancyAlertParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.interestCalculateSelectorParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.averagePeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.autoPostParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.frequencyFixDayParamName;
-import static org.apache.fineract.portfolio.savings.SavingsApiConstants.lastInterestDateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.enableLockinPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.balanceSwapOptionParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.msmeParamName;

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

@@ -26,6 +26,7 @@ import jakarta.persistence.OneToOne;
 import jakarta.persistence.Table;
 import java.time.LocalDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 @Entity
 @Table(name = "m_current_product_deposit_limit_kyc")
@@ -57,12 +58,12 @@ public class CurrentProductDepositLimitKyc extends AbstractPersistableCustom<Lon
     private LocalDateTime createdDate;
 
     protected CurrentProductDepositLimitKyc() {
-        this.createdDate = LocalDateTime.now();
     }
 
     public CurrentProductDepositLimitKyc(CurrentProduct currentProduct) {
         this();
         this.currentProduct = currentProduct;
+        this.createdDate = DateUtils.getLocalDateTimeOfTenant();
     }
 
     public CurrentProduct getCurrentProduct() { return currentProduct; }

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

@@ -26,6 +26,7 @@ import jakarta.persistence.OneToOne;
 import jakarta.persistence.Table;
 import java.time.LocalDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 @Entity
 @Table(name = "m_current_product_facility_config")
@@ -87,12 +88,12 @@ public class CurrentProductFacilityConfig extends AbstractPersistableCustom<Long
     private LocalDateTime createdDate;
 
     protected CurrentProductFacilityConfig() {
-        this.createdDate = LocalDateTime.now();
     }
 
     public CurrentProductFacilityConfig(CurrentProduct currentProduct) {
         this();
         this.currentProduct = currentProduct;
+        this.createdDate = DateUtils.getLocalDateTimeOfTenant();
     }
 
     public CurrentProduct getCurrentProduct() { return currentProduct; }

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

@@ -26,6 +26,7 @@ import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
 import java.time.LocalDateTime;
 import org.apache.fineract.infrastructure.core.domain.AbstractPersistableCustom;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 
 @Entity
 @Table(name = "m_current_product_facility_limits")
@@ -51,7 +52,6 @@ public class CurrentProductFacilityLimit extends AbstractPersistableCustom<Long>
     private LocalDateTime createdDate;
 
     protected CurrentProductFacilityLimit() {
-        this.createdDate = LocalDateTime.now();
     }
 
     private CurrentProductFacilityLimit(CurrentProduct currentProduct, String limitType,
@@ -62,6 +62,7 @@ public class CurrentProductFacilityLimit extends AbstractPersistableCustom<Long>
         this.generalLimit = generalLimit;
         this.minorAccountLimit = minorAccountLimit;
         this.smallSavingLimit = smallSavingLimit;
+        this.createdDate = DateUtils.getLocalDateTimeOfTenant();
     }
 
     public static CurrentProductFacilityLimit create(CurrentProduct currentProduct, String limitType,

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/exception/CurrentProductEditPendingApprovalException.java

@@ -0,0 +1,29 @@
+/**
+ * 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.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentProductEditPendingApprovalException extends AbstractPlatformDomainRuleException {
+
+    public CurrentProductEditPendingApprovalException(final Long productId) {
+        super("error.msg.currentproduct.edit.pending.approval",
+                "Current product with identifier " + productId + " already has an edit pending approval", productId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/exception/CurrentProductNoPendingEditException.java

@@ -0,0 +1,29 @@
+/**
+ * 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.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentProductNoPendingEditException extends AbstractPlatformDomainRuleException {
+
+    public CurrentProductNoPendingEditException(final Long productId) {
+        super("error.msg.currentproduct.no.pending.edit",
+                "Current product with identifier " + productId + " has no edit pending approval", productId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/exception/CurrentProductSelfApprovalNotAllowedException.java

@@ -0,0 +1,29 @@
+/**
+ * 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.exception;
+
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
+
+public class CurrentProductSelfApprovalNotAllowedException extends AbstractPlatformDomainRuleException {
+
+    public CurrentProductSelfApprovalNotAllowedException(final Long productId) {
+        super("error.msg.currentproduct.self.approval.not.allowed",
+                "The maker of the pending edit for current product " + productId + " cannot also approve or reject it", productId);
+    }
+}

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

@@ -20,6 +20,7 @@ package org.apache.fineract.portfolio.currentproduct.service;
 
 import java.util.Collection;
 import org.apache.fineract.portfolio.savings.data.SavingsProductData;
+import org.apache.fineract.portfolio.savings.data.SavingsProductTempData;
 
 public interface CurrentProductReadPlatformService {
 
@@ -28,4 +29,8 @@ public interface CurrentProductReadPlatformService {
     Collection<SavingsProductData> retrieveAllForLookup();
 
     SavingsProductData retrieveOne(Long productId);
+
+    Collection<SavingsProductTempData> retrieveAllPendingEdits();
+
+    SavingsProductTempData retrievePendingEdit(Long productId);
 }

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

@@ -19,13 +19,11 @@
 package org.apache.fineract.portfolio.currentproduct.service;
 
 import com.google.gson.Gson;
-import com.google.gson.JsonObject;
 import com.google.gson.reflect.TypeToken;
 import java.lang.reflect.Type;
 import java.math.BigDecimal;
 import java.sql.ResultSet;
 import java.sql.SQLException;
-import java.util.ArrayList;
 import java.util.Collection;
 import java.util.HashMap;
 import java.util.List;
@@ -42,13 +40,23 @@ import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilit
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityConfigRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimit;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimitRepository;
+import org.apache.fineract.portfolio.currentproduct.exception.CurrentProductNoPendingEditException;
 import org.apache.fineract.portfolio.savings.data.SavingsProductData;
+import org.apache.fineract.portfolio.savings.data.SavingsProductTempData;
 import org.apache.fineract.portfolio.savings.exception.SavingsProductNotFoundException;
 import org.apache.fineract.portfolio.savings.service.SavingsEnumerations;
 import org.apache.fineract.portfolio.tax.data.TaxGroupData;
 import org.springframework.dao.EmptyResultDataAccessException;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.jdbc.core.RowMapper;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEdit;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditSubmittedFieldRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditChargeRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditGlMappingRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFacilityLimitRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFieldMapper;
+import java.util.Set;
 
 @RequiredArgsConstructor
 public class CurrentProductReadPlatformServiceImpl implements CurrentProductReadPlatformService {
@@ -58,6 +66,11 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
     private final CurrentProductFacilityConfigRepository facilityConfigRepository;
     private final CurrentProductFacilityLimitRepository facilityLimitRepository;
     private final CurrentProductDepositLimitKycRepository depositLimitKycRepository;
+    private final ProductPendingEditRepository productPendingEditRepository;
+    private final ProductPendingEditSubmittedFieldRepository pendingEditSubmittedFieldRepository;
+    private final ProductPendingEditChargeRepository pendingEditChargeRepository;
+    private final ProductPendingEditGlMappingRepository pendingEditGlMappingRepository;
+    private final ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository;
 
     private final CurrentProductMapper currentProductRowMapper = new CurrentProductMapper();
     private final CurrentProductLookupMapper currentProductLookupsRowMapper = new CurrentProductLookupMapper();
@@ -147,6 +160,64 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
         }
     }
 
+    private static final String PENDING_EDIT_SCHEMA = "spt.id as tempId, spt.product_id as savingsProductId, "
+            + "cp.name as savingsProductName, spt.createdby_id as makerId, maker.username as makerUsername, "
+            + "spt.lastmodifiedby_id as checkerId, checker.username as checkerUsername, spt.created_date as createdOn, "
+            + "spt.lastmodified_date as checkedOn, spt.status as status, spt.reject_reason as rejectReason "
+            + "from m_saving_product_temp spt "
+            + "join m_current_product cp on cp.id = spt.product_id "
+            + "join m_appuser maker on maker.id = spt.createdby_id "
+            + "left join m_appuser checker on checker.id = spt.lastmodifiedby_id "
+            + "where spt.product_type = 'CURRENT' ";
+
+    private RowMapper<SavingsProductTempData> getPendingEditRowMapper() {
+        return (rs, rowNum) -> {
+            final SavingsProductTempData data = new SavingsProductTempData();
+            data.setId(rs.getLong("tempId"));
+            data.setSavingsProductId(rs.getLong("savingsProductId"));
+            data.setSavingsProductName(rs.getString("savingsProductName"));
+            data.setMakerId(rs.getLong("makerId"));
+            data.setMakerUsername(rs.getString("makerUsername"));
+            data.setCheckerId(JdbcSupport.getLong(rs, "checkerId"));
+            data.setCheckerUsername(rs.getString("checkerUsername"));
+            data.setCreatedOn(rs.getTimestamp("createdOn") == null ? null : rs.getTimestamp("createdOn").toLocalDateTime());
+            data.setCheckedOn(rs.getTimestamp("checkedOn") == null ? null : rs.getTimestamp("checkedOn").toLocalDateTime());
+            data.setStatus(rs.getString("status"));
+            data.setRejectReason(rs.getString("rejectReason"));
+
+            final Long tempId = data.getId();
+            final java.util.Optional<ProductPendingEdit> opt = this.productPendingEditRepository.findById(tempId);
+            if (opt.isPresent()) {
+                final ProductPendingEdit pendingEdit = opt.get();
+                final Set<String> submittedFields = new java.util.HashSet<>(
+                        this.pendingEditSubmittedFieldRepository.findFieldNamesByPendingEditId(pendingEdit.getId()));
+                final Map<String, Object> proposedChanges = ProductPendingEditFieldMapper.reconstructProposedChangesMap(
+                        pendingEdit, submittedFields, this.pendingEditChargeRepository, this.pendingEditGlMappingRepository,
+                        this.pendingEditFacilityLimitRepository, GSON);
+                data.setProposedChanges(proposedChanges);
+            }
+            return data;
+        };
+    }
+
+    @Override
+    public Collection<SavingsProductTempData> retrieveAllPendingEdits() {
+        this.context.authenticatedUser();
+        final String sql = "select " + PENDING_EDIT_SCHEMA + "and spt.status = 'PENDING' order by spt.created_date desc";
+        return this.jdbcTemplate.query(sql, getPendingEditRowMapper());
+    }
+
+    @Override
+    public SavingsProductTempData retrievePendingEdit(final Long productId) {
+        this.context.authenticatedUser();
+        final String sql = "select " + PENDING_EDIT_SCHEMA + "and spt.status = 'PENDING' and spt.product_id = ?";
+        try {
+            return this.jdbcTemplate.queryForObject(sql, getPendingEditRowMapper(), new Object[] { productId }); // NOSONAR
+        } catch (final EmptyResultDataAccessException e) {
+            throw new CurrentProductNoPendingEditException(productId);
+        }
+    }
+
     private static final class CurrentProductMapper implements RowMapper<SavingsProductData> {
 
         private final String schemaSql;
@@ -197,7 +268,9 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             sqlBuilder.append("cp.account_closed_zero_balance_in_day_closing as accountClosedZeroBalanceInDayClosing, ");
             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_account_closed_zero_balance_in_day_closing as odAccountClosedZeroBalanceInDayClosing, ");
+            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 ");
 
             sqlBuilder.append("from m_current_product cp ");
             sqlBuilder.append("join m_currency curr on curr.code = cp.currency_code ");
@@ -321,6 +394,7 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             productData.setAvgBalanceCalcPeriod(rs.getString("avgBalanceCalcPeriod"));
             productData.setValidForPeriod(rs.getString("validForPeriod"));
             productData.setOdAccountClosedZeroBalanceInDayClosing(rs.getBoolean("odAccountClosedZeroBalanceInDayClosing"));
+            productData.setIsPendingApproval(rs.getBoolean("isPendingApproval"));
 
             return productData;
         }

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

@@ -28,4 +28,21 @@ public interface CurrentProductWritePlatformService {
     CommandProcessingResult update(Long productId, JsonCommand command);
 
     CommandProcessingResult delete(Long productId);
+
+    /**
+     * Submits an edit for approval instead of applying it directly. Fails if a pending edit already exists for this
+     * product (that pending row is itself the lock).
+     */
+    CommandProcessingResult submitEditForApproval(Long productId, JsonCommand command);
+
+    /**
+     * Replays the stored pending edit through the normal update path and marks it approved. Fails if the approving
+     * user is the same user who submitted the edit.
+     */
+    CommandProcessingResult approveEdit(Long productId);
+
+    /**
+     * Discards the pending edit. Fails if the rejecting user is the same user who submitted the edit.
+     */
+    CommandProcessingResult rejectEdit(Long productId, String rejectReason);
 }

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

@@ -31,6 +31,9 @@ import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.exception.ExceptionUtils;
 import org.apache.fineract.accounting.producttoaccountmapping.service.ProductToGLAccountMappingWritePlatformService;
+import org.apache.fineract.commands.domain.CommandProcessingResultType;
+import org.apache.fineract.commands.domain.CommandSource;
+import org.apache.fineract.commands.domain.CommandSourceRepository;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
 import org.apache.fineract.infrastructure.core.data.ApiParameterError;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
@@ -38,6 +41,8 @@ import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuild
 import org.apache.fineract.infrastructure.core.data.DataValidatorBuilder;
 import org.apache.fineract.infrastructure.core.exception.ErrorHandler;
 import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.charge.domain.Charge;
 import org.apache.fineract.portfolio.currentproduct.data.CurrentProductDataValidator;
@@ -50,10 +55,26 @@ import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilit
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimit;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimitRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductRepository;
+import org.apache.fineract.portfolio.currentproduct.exception.CurrentProductEditPendingApprovalException;
+import org.apache.fineract.portfolio.currentproduct.exception.CurrentProductNoPendingEditException;
+import org.apache.fineract.portfolio.currentproduct.exception.CurrentProductSelfApprovalNotAllowedException;
 import org.apache.fineract.portfolio.savings.DepositsApiConstants;
 import org.apache.fineract.portfolio.savings.DepositAccountType;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEdit;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditRepository;
 import org.apache.fineract.portfolio.savings.exception.SavingsProductNotFoundException;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditSubmittedField;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditSubmittedFieldRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditCharge;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditChargeRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFacilityLimit;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFacilityLimitRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditGlMapping;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditGlMappingRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFieldMapper;
+import com.google.gson.JsonObject;
 import org.apache.fineract.portfolio.tax.domain.TaxGroup;
+import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.dao.DataAccessException;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -61,6 +82,7 @@ import org.springframework.transaction.annotation.Transactional;
 @RequiredArgsConstructor
 public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements CurrentProductWritePlatformService {
 
+    private static final com.google.gson.Gson GSON = new com.google.gson.Gson();
     private final PlatformSecurityContext context;
     private final CurrentProductRepository currentProductRepository;
     private final CurrentProductDataValidator fromApiJsonDataValidator;
@@ -69,6 +91,13 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
     private final CurrentProductFacilityConfigRepository facilityConfigRepository;
     private final CurrentProductFacilityLimitRepository facilityLimitRepository;
     private final CurrentProductDepositLimitKycRepository depositLimitKycRepository;
+    private final ProductPendingEditRepository productPendingEditRepository;
+    private final ProductPendingEditSubmittedFieldRepository pendingEditSubmittedFieldRepository;
+    private final ProductPendingEditChargeRepository pendingEditChargeRepository;
+    private final ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository;
+    private final ProductPendingEditGlMappingRepository pendingEditGlMappingRepository;
+    private final FromJsonHelper fromApiJsonHelper;
+    private final CommandSourceRepository commandSourceRepository;
 
     private void handleDataIntegrityIssues(final JsonCommand command, final Throwable realCause, final Exception dae) {
         String msgCode = "error.msg." + DepositsApiConstants.CURRENT_PRODUCT_RESOURCE_NAME;
@@ -251,6 +280,222 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
         }
     }
 
+    @Transactional
+    @Override
+    public CommandProcessingResult submitEditForApproval(final Long productId, final JsonCommand command) {
+
+        final AppUser maker = this.context.authenticatedUser();
+        final CurrentProduct product = this.currentProductRepository.findById(productId)
+                .orElseThrow(() -> new SavingsProductNotFoundException(productId));
+
+        if (this.productPendingEditRepository
+                .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_CURRENT, productId, ProductPendingEdit.STATUS_PENDING)
+                .isPresent()) {
+            throw new CurrentProductEditPendingApprovalException(productId);
+        }
+
+        this.fromApiJsonDataValidator.validateForUpdate(command.json(), product);
+
+        final ProductPendingEdit pendingEdit = new ProductPendingEdit(ProductPendingEdit.TYPE_CURRENT, productId, maker);
+
+        final java.util.Set<String> submitted = ProductPendingEditFieldMapper.populateCoreFields(command, pendingEdit.getCoreFields());
+        final java.util.Set<String> currentOnlySubmitted = ProductPendingEditFieldMapper.populateCurrentOnlyFields(command, pendingEdit.getCurrentOnlyFields());
+        final boolean facilityConfigSubmitted = ProductPendingEditFieldMapper.populateFacilityConfig(command, pendingEdit.getFacilityConfigFields());
+        final boolean depositLimitKycSubmitted = ProductPendingEditFieldMapper.populateDepositLimitKyc(command, pendingEdit.getDepositLimitKycFields());
+        final boolean glMappingSubmitted = ProductPendingEditFieldMapper.populateGlAccountMapping(command, pendingEdit.getGlAccountMappingFields());
+
+        if (!currentOnlySubmitted.isEmpty()) {
+            submitted.add("avgBalanceCalcPeriod");
+            submitted.add("validForPeriod");
+            submitted.add("odAccountClosedZeroBalanceInDayClosing");
+        }
+        if (facilityConfigSubmitted) {
+            submitted.add("accountFacilityConfig");
+        }
+        if (depositLimitKycSubmitted) {
+            submitted.add("depositLimitKyc");
+        }
+        if (glMappingSubmitted) {
+            submitted.add("glAccountMapping");
+        }
+
+        final CommandSource auditEntry = CommandSource.builder() //
+                .actionName("UPDATE") //
+                .entityName("CURRENTPRODUCT") //
+                .resourceGetUrl("/currentproducts/" + productId) //
+                .resourceId(productId) //
+                .commandAsJson(command.json()) //
+                .maker(maker) //
+                .madeOnDate(DateUtils.getAuditOffsetDateTime()) //
+                .status(CommandProcessingResultType.AWAITING_APPROVAL.getValue()) //
+                .idempotencyKey(java.util.UUID.randomUUID().toString()) //
+                .sanitized(false) //
+                .build();
+        this.commandSourceRepository.saveAndFlush(auditEntry);
+        pendingEdit.setCommandSourceId(auditEntry.getId());
+
+        this.productPendingEditRepository.saveAndFlush(pendingEdit);
+
+        for (final String fieldName : submitted) {
+            this.pendingEditSubmittedFieldRepository.save(new ProductPendingEditSubmittedField(pendingEdit, fieldName));
+        }
+
+        final List<Long> chargeIds = ProductPendingEditFieldMapper.extractChargeIds(command);
+        if (chargeIds != null) {
+            this.pendingEditSubmittedFieldRepository.save(new ProductPendingEditSubmittedField(pendingEdit, "charges"));
+            for (final Long chargeId : chargeIds) {
+                this.pendingEditChargeRepository.save(new ProductPendingEditCharge(pendingEdit, chargeId));
+            }
+        }
+
+        final List<ProductPendingEditFacilityLimit> facilityLimits = ProductPendingEditFieldMapper.extractFacilityLimits(command, pendingEdit);
+        if (facilityLimits != null) {
+            this.pendingEditSubmittedFieldRepository.save(new ProductPendingEditSubmittedField(pendingEdit, "accountFacilityLimits"));
+            this.pendingEditFacilityLimitRepository.saveAll(facilityLimits);
+        }
+
+        final List<ProductPendingEditGlMapping> glMappings = ProductPendingEditFieldMapper.extractGlArrayMappings(command, pendingEdit);
+        if (glMappings != null) {
+            this.pendingEditSubmittedFieldRepository.save(new ProductPendingEditSubmittedField(pendingEdit, "glArrayMappings"));
+            this.pendingEditGlMappingRepository.saveAll(glMappings);
+        }
+
+        return new CommandProcessingResultBuilder() //
+                .withEntityId(product.getId()) //
+                .build();
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult approveEdit(final Long productId) {
+
+        final AppUser checker = this.context.authenticatedUser();
+        final ProductPendingEdit pendingEdit = this.productPendingEditRepository
+                .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_CURRENT, productId, ProductPendingEdit.STATUS_PENDING)
+                .orElseThrow(() -> new CurrentProductNoPendingEditException(productId));
+
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
+            throw new CurrentProductSelfApprovalNotAllowedException(productId);
+        }
+
+        final Set<String> submittedFields = new java.util.HashSet<>(
+                this.pendingEditSubmittedFieldRepository.findFieldNamesByPendingEditId(pendingEdit.getId()));
+        final JsonObject root = new JsonObject();
+        root.addProperty("locale", "en");
+        root.addProperty("dateFormat", "yyyy-MM-dd");
+        ProductPendingEditFieldMapper.writeCoreFieldsToJson(root, pendingEdit.getCoreFields(), submittedFields);
+        ProductPendingEditFieldMapper.writeCurrentOnlyFieldsToJson(root, pendingEdit.getCurrentOnlyFields(), submittedFields);
+        ProductPendingEditFieldMapper.writeFacilityConfigToJson(root, pendingEdit.getFacilityConfigFields(),
+                submittedFields.contains("accountFacilityConfig"));
+        ProductPendingEditFieldMapper.writeDepositLimitKycToJson(root, pendingEdit.getDepositLimitKycFields(),
+                submittedFields.contains("depositLimitKyc"));
+        if (submittedFields.contains("glAccountMapping")) {
+            ProductPendingEditFieldMapper.writeGlAccountMappingToJson(root, pendingEdit.getGlAccountMappingFields());
+        }
+        if (submittedFields.contains("charges")) {
+            ProductPendingEditFieldMapper.writeChargesToJson(root,
+                    this.pendingEditChargeRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        if (submittedFields.contains("accountFacilityLimits")) {
+            ProductPendingEditFieldMapper.writeFacilityLimitsToJson(root,
+                    this.pendingEditFacilityLimitRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        if (submittedFields.contains("glArrayMappings")) {
+            ProductPendingEditFieldMapper.writeGlArrayMappingsToJson(root,
+                    this.pendingEditGlMappingRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        final JsonCommand replayedCommand = JsonCommand.fromJsonElement(productId, root, this.fromApiJsonHelper);
+        final CommandProcessingResult result = update(productId, replayedCommand);
+
+        pendingEdit.markApproved(checker);
+        this.productPendingEditRepository.saveAndFlush(pendingEdit);
+
+        final CommandSource auditEntry = findOrCreateAuditEntry(pendingEdit, productId);
+        auditEntry.markAsChecked(checker);
+        auditEntry.updateForAudit(result);
+        this.commandSourceRepository.saveAndFlush(auditEntry);
+
+        return result;
+    }
+
+    private CommandSource findOrCreateAuditEntry(final ProductPendingEdit pendingEdit, final Long productId) {
+        if (pendingEdit.getCommandSourceId() != null) {
+            final java.util.Optional<CommandSource> existing = this.commandSourceRepository.findById(pendingEdit.getCommandSourceId());
+            if (existing.isPresent()) {
+                return existing.get();
+            }
+        }
+        final Set<String> submittedFields = new java.util.HashSet<>(
+                this.pendingEditSubmittedFieldRepository.findFieldNamesByPendingEditId(pendingEdit.getId()));
+        final JsonObject root = new JsonObject();
+        root.addProperty("locale", "en");
+        root.addProperty("dateFormat", "yyyy-MM-dd");
+        ProductPendingEditFieldMapper.writeCoreFieldsToJson(root, pendingEdit.getCoreFields(), submittedFields);
+        ProductPendingEditFieldMapper.writeCurrentOnlyFieldsToJson(root, pendingEdit.getCurrentOnlyFields(), submittedFields);
+        ProductPendingEditFieldMapper.writeFacilityConfigToJson(root, pendingEdit.getFacilityConfigFields(),
+                submittedFields.contains("accountFacilityConfig"));
+        ProductPendingEditFieldMapper.writeDepositLimitKycToJson(root, pendingEdit.getDepositLimitKycFields(),
+                submittedFields.contains("depositLimitKyc"));
+        if (submittedFields.contains("glAccountMapping")) {
+            ProductPendingEditFieldMapper.writeGlAccountMappingToJson(root, pendingEdit.getGlAccountMappingFields());
+        }
+        if (submittedFields.contains("charges")) {
+            ProductPendingEditFieldMapper.writeChargesToJson(root,
+                    this.pendingEditChargeRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        if (submittedFields.contains("accountFacilityLimits")) {
+            ProductPendingEditFieldMapper.writeFacilityLimitsToJson(root,
+                    this.pendingEditFacilityLimitRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        if (submittedFields.contains("glArrayMappings")) {
+            ProductPendingEditFieldMapper.writeGlArrayMappingsToJson(root,
+                    this.pendingEditGlMappingRepository.findByPendingEditId(pendingEdit.getId()));
+        }
+        final String commandJson = GSON.toJson(root);
+
+        final CommandSource auditEntry = CommandSource.builder() //
+                .actionName("UPDATE") //
+                .entityName("CURRENTPRODUCT") //
+                .resourceGetUrl("/currentproducts/" + productId) //
+                .resourceId(productId) //
+                .commandAsJson(commandJson) //
+                .maker(pendingEdit.getMaker()) //
+                .madeOnDate(DateUtils.getAuditOffsetDateTime()) //
+                .status(CommandProcessingResultType.AWAITING_APPROVAL.getValue()) //
+                .idempotencyKey(java.util.UUID.randomUUID().toString()) //
+                .sanitized(false) //
+                .build();
+        this.commandSourceRepository.saveAndFlush(auditEntry);
+        pendingEdit.setCommandSourceId(auditEntry.getId());
+        this.productPendingEditRepository.saveAndFlush(pendingEdit);
+        return auditEntry;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult rejectEdit(final Long productId, final String rejectReason) {
+
+        final AppUser checker = this.context.authenticatedUser();
+        final ProductPendingEdit pendingEdit = this.productPendingEditRepository
+                .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_CURRENT, productId, ProductPendingEdit.STATUS_PENDING)
+                .orElseThrow(() -> new CurrentProductNoPendingEditException(productId));
+
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
+            throw new CurrentProductSelfApprovalNotAllowedException(productId);
+        }
+
+        pendingEdit.markRejected(checker, rejectReason);
+        this.productPendingEditRepository.saveAndFlush(pendingEdit);
+
+        final CommandSource auditEntry = findOrCreateAuditEntry(pendingEdit, productId);
+        auditEntry.markAsRejected(checker);
+        this.commandSourceRepository.saveAndFlush(auditEntry);
+
+        return new CommandProcessingResultBuilder() //
+                .withEntityId(productId) //
+                .build();
+    }
+
     @Transactional
     @Override
     public CommandProcessingResult delete(final Long productId) {

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

@@ -19,7 +19,14 @@
 package org.apache.fineract.portfolio.currentproduct.starter;
 
 import org.apache.fineract.accounting.producttoaccountmapping.service.ProductToGLAccountMappingWritePlatformService;
+import org.apache.fineract.commands.domain.CommandSourceRepository;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditSubmittedFieldRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditChargeRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditFacilityLimitRepository;
+import org.apache.fineract.portfolio.savings.domain.ProductPendingEditGlMappingRepository;
 import org.apache.fineract.portfolio.currentproduct.data.CurrentProductDataValidator;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductAssembler;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductDepositLimitKycRepository;
@@ -43,9 +50,17 @@ public class CurrentProductConfiguration {
     public CurrentProductReadPlatformService currentProductReadPlatformService(PlatformSecurityContext context,
             JdbcTemplate jdbcTemplate, CurrentProductFacilityConfigRepository currentFacilityConfigRepository,
             CurrentProductFacilityLimitRepository currentFacilityLimitRepository,
-            CurrentProductDepositLimitKycRepository currentDepositLimitKycRepository) {
+            CurrentProductDepositLimitKycRepository currentDepositLimitKycRepository,
+            ProductPendingEditRepository productPendingEditRepository,
+            ProductPendingEditSubmittedFieldRepository pendingEditSubmittedFieldRepository,
+            ProductPendingEditChargeRepository pendingEditChargeRepository,
+            ProductPendingEditGlMappingRepository pendingEditGlMappingRepository,
+            ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository) {
         return new CurrentProductReadPlatformServiceImpl(context, jdbcTemplate, currentFacilityConfigRepository,
-                currentFacilityLimitRepository, currentDepositLimitKycRepository);
+                currentFacilityLimitRepository, currentDepositLimitKycRepository,
+                productPendingEditRepository, pendingEditSubmittedFieldRepository,
+                pendingEditChargeRepository, pendingEditGlMappingRepository,
+                pendingEditFacilityLimitRepository);
     }
 
     @Bean
@@ -56,9 +71,18 @@ public class CurrentProductConfiguration {
             ProductToGLAccountMappingWritePlatformService accountMappingWritePlatformService,
             CurrentProductFacilityConfigRepository currentFacilityConfigRepository,
             CurrentProductFacilityLimitRepository currentFacilityLimitRepository,
-            CurrentProductDepositLimitKycRepository currentDepositLimitKycRepository) {
+            CurrentProductDepositLimitKycRepository currentDepositLimitKycRepository,
+            ProductPendingEditRepository productPendingEditRepository,
+            ProductPendingEditSubmittedFieldRepository pendingEditSubmittedFieldRepository,
+            ProductPendingEditChargeRepository pendingEditChargeRepository,
+            ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository,
+            ProductPendingEditGlMappingRepository pendingEditGlMappingRepository,
+            FromJsonHelper fromApiJsonHelper,
+            CommandSourceRepository commandSourceRepository) {
         return new CurrentProductWritePlatformServiceJpaRepositoryImpl(context, currentProductRepository, currentProductDataValidator,
                 currentProductAssembler, accountMappingWritePlatformService, currentFacilityConfigRepository,
-                currentFacilityLimitRepository, currentDepositLimitKycRepository);
+                currentFacilityLimitRepository, currentDepositLimitKycRepository, productPendingEditRepository,
+                pendingEditSubmittedFieldRepository, pendingEditChargeRepository, pendingEditFacilityLimitRepository,
+                pendingEditGlMappingRepository, fromApiJsonHelper, commandSourceRepository);
     }
 }