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

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

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

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

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

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

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

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

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

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

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

@@ -57,14 +57,23 @@ public class MobileLookupServiceImpl implements MobileLookupService {
             "9752123456", "9752345678", "9752987654"
     );
 
+    /** Demo numbers that always return DISCONNECTED (found on the MNRL) without calling the external API. */
+    private static final Set<String> DEMO_DISCONNECTED_NUMBERS = Set.of("9000000001", "9000000002");
+
+    /** Demo numbers that always return SUSPECTED_AND_DISCONNECTED without calling the external API. */
+    private static final Set<String> DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS = Set.of("9000000003");
+
     private final String baseUrl;
+    private final boolean enabled;
     private final RestTemplate restTemplate;
     private final MobileLookupLogRepository logRepository;
     private final JdbcTemplate jdbcTemplate;
 
     public MobileLookupServiceImpl(@Value("${fineract.mobile-lookup.base-url}") String baseUrl,
+            @Value("${fineract.mobile-lookup.enabled:true}") boolean enabled,
             MobileLookupLogRepository logRepository, JdbcTemplate jdbcTemplate) {
         this.baseUrl = baseUrl;
+        this.enabled = enabled;
         this.restTemplate = new RestTemplate();
         this.logRepository = logRepository;
         this.jdbcTemplate = jdbcTemplate;
@@ -103,6 +112,39 @@ public class MobileLookupServiceImpl implements MobileLookupService {
             return MobileLookupResult.clean(logId, trimmed);
         }
 
+        // Demo numbers — return DISCONNECTED (on the MNRL) without calling the external API
+        if (isDemoDisconnectedNumber(trimmed)) {
+            LOG.info("Demo disconnected number detected: {}", trimmed);
+            final MobileLookupDetailData disconnectedDetail = MobileLookupDetailData.forDisconnected(
+                    "Number revoked and listed on MNRL (demo data)", "DEMO");
+            final Long logId = saveLog(trimmed, "DISCONNECTED", false, true,
+                    "Number is DISCONNECTED — found in MNRL records", null, source, clientId);
+            return MobileLookupResult.disconnected(logId, trimmed, disconnectedDetail);
+        }
+
+        // Demo numbers — return SUSPECTED_AND_DISCONNECTED without calling the external API
+        if (isDemoSuspectedAndDisconnectedNumber(trimmed)) {
+            LOG.info("Demo suspected+disconnected number detected: {}", trimmed);
+            final MobileLookupDetailData suspectedDetail = MobileLookupDetailData.forSuspected(
+                    "active", "Demo DIP suspected number", "DEMO");
+            final MobileLookupDetailData disconnectedDetail = MobileLookupDetailData.forDisconnected(
+                    "Number revoked and listed on MNRL (demo data)", "DEMO");
+            final Long logId = saveLog(trimmed, "SUSPECTED_AND_DISCONNECTED", true, true,
+                    "Number is SUSPECTED and DISCONNECTED — found in both DIP and MNRL records", null, source, clientId);
+            return MobileLookupResult.suspectedAndDisconnected(logId, trimmed, suspectedDetail, disconnectedDetail);
+        }
+
+        // Lookup switched off by config (fineract.mobile-lookup.enabled=false) -- skip the external
+        // call entirely rather than fail with a connection error. Logged distinctly from a genuine
+        // CLEAN result so it can never be mistaken for one in an audit trail.
+        if (!enabled) {
+            LOG.info("DIP/MNRL lookup is disabled by configuration — skipping check for {}", trimmed);
+            final Long logId = saveLog(trimmed, MobileLookupLog.STATUS_CLEAN, false, false,
+                    "DIP/MNRL lookup is disabled by configuration — the number was not actually checked.",
+                    "{\"provider\":\"LOOKUP_DISABLED_BY_CONFIG\"}", source, clientId);
+            return MobileLookupResult.clean(logId, trimmed);
+        }
+
         final String url = baseUrl + "/api/v1/lookup/check?mobileNumber=" + trimmed;
 
         LOG.info("Calling DIP/MNRL lookup API: {}", url);
@@ -402,6 +444,26 @@ public class MobileLookupServiceImpl implements MobileLookupService {
         return false;
     }
 
+    private boolean isDemoDisconnectedNumber(final String mobileNumber) {
+        if (DEMO_DISCONNECTED_NUMBERS.contains(mobileNumber)) {
+            return true;
+        }
+        if (mobileNumber.startsWith("91") && mobileNumber.length() > 10) {
+            return DEMO_DISCONNECTED_NUMBERS.contains(mobileNumber.substring(2));
+        }
+        return false;
+    }
+
+    private boolean isDemoSuspectedAndDisconnectedNumber(final String mobileNumber) {
+        if (DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS.contains(mobileNumber)) {
+            return true;
+        }
+        if (mobileNumber.startsWith("91") && mobileNumber.length() > 10) {
+            return DEMO_SUSPECTED_AND_DISCONNECTED_NUMBERS.contains(mobileNumber.substring(2));
+        }
+        return false;
+    }
+
     private String getStringOrNull(JsonObject json, String key) {
         JsonElement el = json.get(key);
         return (el != null && !el.isJsonNull()) ? el.getAsString() : null;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -0,0 +1,386 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.useradministration.service;
+
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import com.google.gson.JsonParser;
+import java.time.OffsetDateTime;
+import java.time.ZoneOffset;
+import java.util.Collection;
+import java.util.HashSet;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.commons.lang3.ObjectUtils;
+import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.serialization.GoogleGsonSerializerHelper;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.organisation.office.domain.Office;
+import org.apache.fineract.organisation.office.domain.OfficeRepositoryWrapper;
+import org.apache.fineract.organisation.staff.domain.Staff;
+import org.apache.fineract.organisation.staff.domain.StaffRepositoryWrapper;
+import org.apache.fineract.portfolio.client.domain.Client;
+import org.apache.fineract.portfolio.client.domain.ClientRepositoryWrapper;
+import org.apache.fineract.useradministration.mfa.domain.MfaFactorType;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.apache.fineract.useradministration.domain.AppUserRepository;
+import org.apache.fineract.useradministration.domain.Role;
+import org.apache.fineract.useradministration.domain.RoleRepository;
+import org.apache.fineract.useradministration.mfa.domain.UserMfaFactor;
+import org.apache.fineract.useradministration.mfa.domain.UserMfaFactorRepository;
+import org.apache.fineract.useradministration.domain.UserPendingRequest;
+import org.apache.fineract.useradministration.domain.UserPendingRequestRepository;
+import org.apache.fineract.useradministration.domain.UserPendingRequestRepositoryWrapper;
+import org.apache.fineract.useradministration.domain.UserPendingRequestType;
+import org.apache.fineract.useradministration.exception.RoleNotFoundException;
+import org.apache.fineract.useradministration.exception.UserNotFoundException;
+import org.springframework.security.crypto.password.PasswordEncoder;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Slf4j
+@Service
+@RequiredArgsConstructor
+public class UserPendingWritePlatformServiceImpl implements UserPendingWritePlatformService {
+
+    private final PlatformSecurityContext context;
+    private final UserPendingRequestRepositoryWrapper pendingRequestRepositoryWrapper;
+    private final UserPendingRequestRepository pendingRequestRepository;
+    private final AppUserRepository appUserRepository;
+    private final OfficeRepositoryWrapper officeRepositoryWrapper;
+    private final RoleRepository roleRepository;
+    private final StaffRepositoryWrapper staffRepositoryWrapper;
+    private final ClientRepositoryWrapper clientRepositoryWrapper;
+    private final UserMfaFactorRepository userMfaFactorRepository;
+    private final ConfigurationDomainService configurationDomainService;
+    private final PasswordEncoder passwordEncoder;
+    private final UserDataValidator fromApiJsonDeserializer;
+    private final FromJsonHelper fromApiJsonHelper;
+
+    @Override
+    @Transactional
+    public CommandProcessingResult submitCreateUser(final JsonCommand command) {
+        final AppUser maker = this.context.authenticatedUser();
+
+        this.fromApiJsonDeserializer.validateForCreate(command.json());
+
+        final String username = command.stringValueOfParameterNamed("username");
+        final String email = command.stringValueOfParameterNamed("email");
+        final String mobileNo = command.stringValueOfParameterNamed("mobileNo");
+
+        // Pre-flight checks on live users and pending creations
+        if (this.appUserRepository.findAppUserByName(username) != null) {
+            throw new PlatformDataIntegrityException("error.msg.user.duplicate.username",
+                    "User with username " + username + " already exists.", "username", username);
+        }
+
+        final String lockKey = "CREATE_USER:" + username.toLowerCase();
+        if (this.pendingRequestRepository.existsByPendingLockKey(lockKey)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.duplicate",
+                    "A pending creation request for username '" + username + "' is already awaiting checker approval.", username);
+        }
+
+        assertEmailAndMobileUnique(email, mobileNo, null);
+
+        final JsonObject jsonObject = JsonParser.parseString(command.json()).getAsJsonObject();
+        String passwordHash = null;
+        if (jsonObject.has("password") && !jsonObject.get("password").isJsonNull()) {
+            final String rawPassword = jsonObject.get("password").getAsString();
+            if (!rawPassword.isBlank()) {
+                passwordHash = this.passwordEncoder.encode(rawPassword);
+            }
+            jsonObject.addProperty("password", "[PROTECTED]");
+            if (jsonObject.has("repeatPassword")) {
+                jsonObject.addProperty("repeatPassword", "[PROTECTED]");
+            }
+        }
+
+        final String sanitizedPayload = jsonObject.toString();
+        final UserPendingRequest request = UserPendingRequest.create(UserPendingRequestType.CREATE_USER, null,
+                sanitizedPayload, null, passwordHash, maker.getId(), lockKey);
+
+        final UserPendingRequest saved = this.pendingRequestRepositoryWrapper.saveAndFlush(request);
+
+        return new CommandProcessingResultBuilder()
+                .withEntityId(saved.getId())
+                .setRollbackTransaction(true)
+                .build();
+    }
+
+    @Override
+    @Transactional
+    public CommandProcessingResult submitUpdateUser(final Long userId, final JsonCommand command) {
+        final AppUser maker = this.context.authenticatedUser();
+        final AppUser userToUpdate = this.appUserRepository.findById(userId)
+                .orElseThrow(() -> new UserNotFoundException(userId));
+
+        this.fromApiJsonDeserializer.validateForUpdate(command.json(), maker);
+
+        final String email = command.stringValueOfParameterNamed("email");
+        final String mobileNo = command.stringValueOfParameterNamed("mobileNo");
+        assertEmailAndMobileUnique(email, mobileNo, userId);
+
+        final String lockKey = "UPDATE_USER:" + userId;
+        if (this.pendingRequestRepository.existsByPendingLockKey(lockKey)) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.duplicate",
+                    "A pending update request for user ID " + userId + " is already awaiting checker approval.", userId);
+        }
+
+        // Build point-in-time original JSON snapshot
+        final Map<String, Object> originalSnapshot = new LinkedHashMap<>();
+        originalSnapshot.put("username", userToUpdate.getUsername());
+        originalSnapshot.put("firstname", userToUpdate.getFirstname());
+        originalSnapshot.put("lastname", userToUpdate.getLastname());
+        originalSnapshot.put("email", userToUpdate.getEmail());
+        originalSnapshot.put("mobileNo", userToUpdate.getMobileNo());
+        originalSnapshot.put("officeId", userToUpdate.getOffice() != null ? userToUpdate.getOffice().getId() : null);
+        originalSnapshot.put("officeName", userToUpdate.getOffice() != null ? userToUpdate.getOffice().getName() : null);
+        originalSnapshot.put("staffId", userToUpdate.getStaff() != null ? userToUpdate.getStaff().getId() : null);
+        originalSnapshot.put("passwordNeverExpires", userToUpdate.getPasswordNeverExpires());
+        originalSnapshot.put("isSelfServiceUser", userToUpdate.isSelfServiceUser());
+        final Set<String> roleNames = new HashSet<>();
+        final Set<Long> roleIds = new HashSet<>();
+        if (userToUpdate.getRoles() != null) {
+            for (final Role r : userToUpdate.getRoles()) {
+                roleNames.add(r.getName());
+                roleIds.add(r.getId());
+            }
+        }
+        originalSnapshot.put("roles", roleIds);
+        originalSnapshot.put("roleNames", roleNames);
+        final String originalJson = GoogleGsonSerializerHelper.createSimpleGson().toJson(originalSnapshot);
+
+        final JsonObject jsonObject = JsonParser.parseString(command.json()).getAsJsonObject();
+        String passwordHash = null;
+        if (jsonObject.has("password") && !jsonObject.get("password").isJsonNull()) {
+            final String rawPassword = jsonObject.get("password").getAsString();
+            if (!rawPassword.isBlank()) {
+                passwordHash = this.passwordEncoder.encode(rawPassword);
+            }
+            jsonObject.addProperty("password", "[PROTECTED]");
+            if (jsonObject.has("repeatPassword")) {
+                jsonObject.addProperty("repeatPassword", "[PROTECTED]");
+            }
+        }
+
+        final String sanitizedPayload = jsonObject.toString();
+        final UserPendingRequest request = UserPendingRequest.create(UserPendingRequestType.UPDATE_USER, userId,
+                sanitizedPayload, originalJson, passwordHash, maker.getId(), lockKey);
+
+        final UserPendingRequest saved = this.pendingRequestRepositoryWrapper.saveAndFlush(request);
+
+        return new CommandProcessingResultBuilder()
+                .withEntityId(saved.getId())
+                .setRollbackTransaction(true)
+                .build();
+    }
+
+    @Override
+    @Transactional
+    public CommandProcessingResult approvePendingRequest(final Long id) {
+        final AppUser checker = this.context.authenticatedUser();
+        final UserPendingRequest request = this.pendingRequestRepositoryWrapper.findOneWithNotFoundDetection(id);
+
+        if (!request.isPending()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.not.pending",
+                    "User pending request " + id + " has already been actioned.", id);
+        }
+
+        if (request.isMadeBy(checker.getId())) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.self.approval",
+                    "You cannot approve a user request you submitted yourself — a different user must action it.", id);
+        }
+
+        final Long resourceId;
+        if (UserPendingRequestType.CREATE_USER.name().equals(request.getRequestType())) {
+            resourceId = finalizeCreateUser(request);
+        } else if (UserPendingRequestType.UPDATE_USER.name().equals(request.getRequestType())) {
+            resourceId = finalizeUpdateUser(request);
+        } else {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.type.invalid",
+                    "Unknown request type: " + request.getRequestType(), request.getRequestType());
+        }
+
+        request.approve(checker.getId());
+        this.pendingRequestRepositoryWrapper.saveAndFlush(request);
+
+        return new CommandProcessingResultBuilder()
+                .withEntityId(resourceId)
+                .withResourceIdAsString(resourceId.toString())
+                .build();
+    }
+
+    @Override
+    @Transactional
+    public CommandProcessingResult rejectPendingRequest(final Long id, final JsonCommand command) {
+        final AppUser checker = this.context.authenticatedUser();
+        final UserPendingRequest request = this.pendingRequestRepositoryWrapper.findOneWithNotFoundDetection(id);
+
+        if (!request.isPending()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.not.pending",
+                    "User pending request " + id + " has already been actioned.", id);
+        }
+
+        if (request.isMadeBy(checker.getId())) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.self.approval",
+                    "You cannot reject a user request you submitted yourself — a different user must action it.", id);
+        }
+
+        String reason = command != null ? command.stringValueOfParameterNamedAllowingNull("reason") : null;
+        if (reason == null && command != null) {
+            reason = command.stringValueOfParameterNamedAllowingNull("rejectReason");
+        }
+        if (reason == null || reason.isBlank()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.userpendingrequest.reject.reason.required",
+                    "A reason is required to reject a user pending request.", id);
+        }
+
+        request.reject(checker.getId(), reason);
+        this.pendingRequestRepositoryWrapper.saveAndFlush(request);
+
+        return new CommandProcessingResultBuilder()
+                .withEntityId(request.getId())
+                .withResourceIdAsString(request.getId().toString())
+                .build();
+    }
+
+    private Long finalizeCreateUser(final UserPendingRequest request) {
+        final JsonElement parsedElement = this.fromApiJsonHelper.parse(request.getPayloadJson());
+        final JsonCommand replay = JsonCommand.fromJsonElement(null, parsedElement, this.fromApiJsonHelper);
+
+        final Long officeId = replay.longValueOfParameterNamed("officeId");
+        final Office userOffice = this.officeRepositoryWrapper.findOneWithNotFoundDetection(officeId);
+
+        final String[] roles = replay.arrayValueOfParameterNamed("roles");
+        final Set<Role> allRoles = assembleSetOfRoles(roles);
+
+        final Long staffId = replay.longValueOfParameterNamed("staffId");
+        final Staff linkedStaff = staffId != null
+                ? this.staffRepositoryWrapper.findByOfficeWithNotFoundDetection(staffId, userOffice.getId())
+                : null;
+
+        final Collection<Client> clients = null;
+
+        final AppUser appUser = AppUser.fromJson(userOffice, linkedStaff, allRoles, clients, replay);
+
+        if (this.configurationDomainService.isForcePasswordResetOnFirstLoginEnabled()) {
+            appUser.updatePasswordResetRequired(true);
+        }
+
+        // Set pre-hashed password
+        if (request.getPasswordHash() != null) {
+            appUser.updatePassword(request.getPasswordHash());
+        }
+
+        this.appUserRepository.saveAndFlush(appUser);
+
+        // MFA Enrollment
+        final String otpDeliveryMethod = replay.stringValueOfParameterNamed("otpDeliveryMethod");
+        if (otpDeliveryMethod != null) {
+            final MfaFactorType factorType = MfaFactorType.fromString(otpDeliveryMethod);
+            final UserMfaFactor factor = new UserMfaFactor();
+            factor.setAppUser(appUser);
+            factor.setFactorType(factorType);
+            factor.setDestination(factorType == MfaFactorType.SMS ? appUser.getMobileNo() : appUser.getEmail());
+            factor.setVerified(true);
+            factor.setVerifiedOn(OffsetDateTime.now(ZoneOffset.UTC));
+            this.userMfaFactorRepository.save(factor);
+        }
+
+        return appUser.getId();
+    }
+
+    private Long finalizeUpdateUser(final UserPendingRequest request) {
+        final AppUser userToUpdate = this.appUserRepository.findById(request.getUserId())
+                .orElseThrow(() -> new UserNotFoundException(request.getUserId()));
+
+        final JsonElement parsedElement = this.fromApiJsonHelper.parse(request.getPayloadJson());
+        final JsonCommand replay = JsonCommand.fromJsonElement(request.getUserId(), parsedElement, this.fromApiJsonHelper);
+
+        final Map<String, Object> changes = userToUpdate.update(replay, null, null);
+
+        if (changes.containsKey("officeId")) {
+            final Long officeId = (Long) changes.get("officeId");
+            final Office office = this.officeRepositoryWrapper.findOneWithNotFoundDetection(officeId);
+            userToUpdate.changeOffice(office);
+        }
+        if (changes.containsKey("staffId")) {
+            final Long staffId = (Long) changes.get("staffId");
+            Staff linkedStaff = null;
+            if (staffId != null) {
+                linkedStaff = this.staffRepositoryWrapper.findByOfficeWithNotFoundDetection(staffId, userToUpdate.getOffice().getId());
+            }
+            userToUpdate.changeStaff(linkedStaff);
+        }
+        if (changes.containsKey("roles")) {
+            final String[] roleIds = (String[]) changes.get("roles");
+            final Set<Role> allRoles = assembleSetOfRoles(roleIds);
+            userToUpdate.updateRoles(allRoles);
+        }
+        if (request.getPasswordHash() != null) {
+            userToUpdate.updatePassword(request.getPasswordHash());
+        }
+
+        this.appUserRepository.saveAndFlush(userToUpdate);
+        return userToUpdate.getId();
+    }
+
+    private Set<Role> assembleSetOfRoles(final String[] rolesArray) {
+        final Set<Role> allRoles = new HashSet<>();
+        if (!ObjectUtils.isEmpty(rolesArray)) {
+            for (final String roleId : rolesArray) {
+                final Long id = Long.valueOf(roleId);
+                final Role role = this.roleRepository.findById(id).orElseThrow(() -> new RoleNotFoundException(id));
+                allRoles.add(role);
+            }
+        }
+        return allRoles;
+    }
+
+    private void assertEmailAndMobileUnique(final String email, final String mobileNo, final Long excludeUserId) {
+        if (email != null && !email.isBlank()) {
+            final java.util.Optional<AppUser> emailOwner = excludeUserId == null
+                    ? this.appUserRepository.findByEmailIgnoreCase(email)
+                    : this.appUserRepository.findByEmailIgnoreCaseAndIdNot(email, excludeUserId);
+            if (emailOwner.isPresent()) {
+                throw new PlatformDataIntegrityException("error.msg.user.duplicate.email",
+                        "User with email " + email + " already exists.", "email", email);
+            }
+        }
+        if (mobileNo != null && !mobileNo.isBlank()) {
+            final java.util.Optional<AppUser> mobileOwner = excludeUserId == null
+                    ? this.appUserRepository.findByMobileNo(mobileNo)
+                    : this.appUserRepository.findByMobileNoAndIdNot(mobileNo, excludeUserId);
+            if (mobileOwner.isPresent()) {
+                throw new PlatformDataIntegrityException("error.msg.user.duplicate.mobile",
+                        "User with mobile number " + mobileNo + " already exists.", "mobileNo", mobileNo);
+            }
+        }
+    }
+}

fineract-provider/src/main/resources/application.properties

@@ -46,7 +46,7 @@ fineract.security.oauth2.client.registrations.frontend-client.require-authorizat
 fineract.tenant.host=${FINERACT_DEFAULT_TENANTDB_HOSTNAME:localhost}
 fineract.tenant.port=${FINERACT_DEFAULT_TENANTDB_PORT:5432}
 fineract.tenant.username=${FINERACT_DEFAULT_TENANTDB_UID:postgres}
-fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:313863}
+fineract.tenant.password=${FINERACT_DEFAULT_TENANTDB_PWD:anshul@9009}
 fineract.tenant.parameters=${FINERACT_DEFAULT_TENANTDB_CONN_PARAMS:}
 fineract.tenant.timezone=${FINERACT_DEFAULT_TENANTDB_TIMEZONE:Asia/Kolkata}
 fineract.tenant.identifier=${FINERACT_DEFAULT_TENANTDB_IDENTIFIER:default}
@@ -407,7 +407,7 @@ server.tomcat.mbeanregistry.enabled=${FINERACT_SERVER_TOMCAT_MBEANREGISTRY_ENABL
 spring.datasource.hikari.driverClassName=${FINERACT_HIKARI_DRIVER_SOURCE_CLASS_NAME:org.postgresql.Driver}
 spring.datasource.hikari.jdbcUrl=${FINERACT_HIKARI_JDBC_URL:jdbc:postgresql://localhost:5432/fineract_tenants}
 spring.datasource.hikari.username=${FINERACT_HIKARI_USERNAME:postgres}
-spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:313863}
+spring.datasource.hikari.password=${FINERACT_HIKARI_PASSWORD:anshul@9009}
 spring.datasource.hikari.minimumIdle=${FINERACT_HIKARI_MINIMUM_IDLE:3}
 spring.datasource.hikari.maximumPoolSize=${FINERACT_HIKARI_MAXIMUM_POOL_SIZE:10}
 spring.datasource.hikari.idleTimeout=${FINERACT_HIKARI_IDLE_TIMEOUT:60000}
@@ -688,6 +688,13 @@ fineract.openproject.api-token=${FINERACT_OPENPROJECT_API_TOKEN:57dd9f933f113c72
 # │ DIP/MNRL provider. Do not ship the mock.                                 │
 # └──────────────────────────────────────────────────────────────────────────┘
 fineract.mobile-lookup.base-url=${FINERACT_MOBILE_LOOKUP_BASE_URL:http://127.0.0.1:8090}
+# Set to false to skip the DIP/MNRL check entirely (no HTTP call at all, no need to run the mock
+# service) -- every number is then logged as CLEAN but stamped "LOOKUP_DISABLED_BY_CONFIG" so it is
+# never mistaken for a real pass.
+# Currently OFF by default for local work so nobody needs the mock service running. Set
+# FINERACT_MOBILE_LOOKUP_ENABLED=true (or flip the default below) before UAT/production, where the
+# check must actually run.
+fineract.mobile-lookup.enabled=${FINERACT_MOBILE_LOOKUP_ENABLED:false}
 
 # ── Login OTP (2FA) — uses LincPay credentials above ─────────────────────────
 fineract.security.otp.lincpay.generate-path=${FINERACT_OTP_LINCPAY_GENERATE_PATH:/mobile/generate-otp}

fineract-provider/src/main/resources/db/changelog/tenant/changelog-tenant.xml

@@ -537,4 +537,12 @@
     <include file="parts/0467_add_welcome_kit_return_tracking.xml" relativeToChangelogFile="true"/>
     <include file="parts/0468_add_address_id_to_welcome_kit_dispatch.xml" relativeToChangelogFile="true"/>
     <include file="parts/0469_create_database_export_request.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0466_create_m_appuser_preference.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0467_enable_glaccount_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0470_enable_cbs_base_interest_rate_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0471_enable_charge_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0472_enable_product_creation_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0474_enable_fixed_deposit_product_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0475_enable_admin_user_maker_checker.xml" relativeToChangelogFile="true"/>
+    <include file="parts/0476_add_user_pending_request_and_enable_charge_mc.xml" relativeToChangelogFile="true"/>
 </databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0466_create_m_appuser_preference.xml

@@ -0,0 +1,24 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.3.xsd">
+    <changeSet id="0466_create_m_appuser_preference" author="fineract">
+        <preConditions onFail="MARK_RAN"><not><tableExists tableName="m_appuser_preference"/></not></preConditions>
+        <createTable tableName="m_appuser_preference">
+            <column name="id" type="BIGINT" autoIncrement="true">
+                <constraints primaryKey="true" nullable="false"/>
+            </column>
+            <column name="appuser_id" type="BIGINT">
+                <constraints nullable="false"/>
+            </column>
+            <column name="name" type="VARCHAR(100)">
+                <constraints nullable="false"/>
+            </column>
+            <column name="value" type="TEXT">
+                <constraints nullable="false"/>
+            </column>
+        </createTable>
+        <addForeignKeyConstraint baseTableName="m_appuser_preference" baseColumnNames="appuser_id" constraintName="fk_m_appuser_preference_appuser_id" referencedTableName="m_appuser" referencedColumnNames="id"/>
+        <addUniqueConstraint tableName="m_appuser_preference" columnNames="appuser_id, name" constraintName="uq_appuser_preference_name"/>
+    </changeSet>
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0467_enable_glaccount_maker_checker.xml

@@ -0,0 +1,23 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0467_enable_glaccount_maker_checker" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="HALT">
+            <sqlCheck expectedResult="3">
+                SELECT COUNT(*)
+                FROM m_permission
+                WHERE entity_name = 'GLACCOUNT'
+                  AND action_name IN ('CREATE', 'UPDATE', 'DELETE')
+            </sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE entity_name = 'GLACCOUNT'
+              AND action_name IN ('CREATE', 'UPDATE', 'DELETE');
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0468_add_address_id_to_welcome_kit_dispatch.xml

@@ -7,6 +7,7 @@
          address as verified or not verified once the outcome is known. Deliberately a plain column rather than
          a foreign key: the dispatch is a historical record and must survive the address being edited or removed. -->
     <changeSet id="0468_add_address_id_to_welcome_kit_dispatch" author="CBS" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
         <preConditions onFail="MARK_RAN">
             <not>
                 <columnExists tableName="m_welcome_kit_dispatch" columnName="address_id"/>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0469_create_database_export_request.xml

@@ -7,6 +7,7 @@
          person's authority. The requester states a reason, an admin approves or rejects, and only an approved
          request can produce a dump. Every step is stamped so the trail survives the file itself. -->
     <changeSet id="0469_create_database_export_request" author="CBS" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
         <createTable tableName="m_database_export_request">
             <column name="id" type="BIGSERIAL">
                 <constraints primaryKey="true" nullable="false"/>
@@ -50,6 +51,7 @@
     <!-- Requesting an export and approving one are deliberately separate permissions: the whole control
          depends on no single user holding both. -->
     <changeSet id="0469_database_export_permissions" author="CBS" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
         <sql>
             INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
             SELECT 'authorisation', 'CREATE_DATABASEEXPORT', 'DATABASEEXPORT', 'CREATE', false

fineract-provider/src/main/resources/db/changelog/tenant/parts/0470_enable_cbs_base_interest_rate_maker_checker.xml

@@ -0,0 +1,68 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0470_cbs_base_interest_rate_maker_checker_permissions" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'portfolio', 'CREATE_CBSBASEINTERESTRATE', 'CBSBASEINTERESTRATE', 'CREATE', true
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'CREATE_CBSBASEINTERESTRATE');
+
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'portfolio', 'CREATE_CBSBASEINTERESTRATE_CHECKER', 'CBSBASEINTERESTRATE', 'CREATE_CHECKER', false
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'CREATE_CBSBASEINTERESTRATE_CHECKER');
+
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE entity_name = 'CBSBASEINTERESTRATE'
+              AND action_name = 'CREATE';
+
+            UPDATE m_permission
+            SET action_name = 'CREATE_CHECKER'
+            WHERE entity_name = 'CBSBASEINTERESTRATE'
+              AND code = 'CREATE_CBSBASEINTERESTRATE_CHECKER';
+        </sql>
+    </changeSet>
+
+    <changeSet id="0470_grant_cbs_base_interest_rate_permissions_to_roles" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN ('CREATE_CBSBASEINTERESTRATE', 'CREATE_CBSBASEINTERESTRATE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN ('CREATE_CBSBASEINTERESTRATE', 'CREATE_CBSBASEINTERESTRATE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE LOWER(r.name) = 'clerk'
+              AND p.code IN ('CREATE_CBSBASEINTERESTRATE', 'CREATE_CBSBASEINTERESTRATE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0471_enable_charge_maker_checker.xml

@@ -0,0 +1,63 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0471_enable_charge_maker_checker" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="HALT">
+            <sqlCheck expectedResult="1">
+                SELECT COUNT(*)
+                FROM m_permission
+                WHERE entity_name = 'CHARGE'
+                  AND action_name = 'CREATE'
+            </sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE entity_name = 'CHARGE'
+              AND action_name = 'CREATE';
+        </sql>
+    </changeSet>
+
+    <changeSet id="0471_grant_charge_maker_checker_permissions_to_roles" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN ('CREATE_CHARGE', 'CREATE_CHARGE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN ('CREATE_CHARGE', 'CREATE_CHARGE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE LOWER(r.name) = 'clerk'
+              AND p.code IN ('CREATE_CHARGE', 'CREATE_CHARGE_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0472_enable_product_creation_maker_checker.xml

@@ -0,0 +1,87 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0472_add_shareproduct_checker_permission_if_not_exists" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'SHAREPRODUCT', 'CREATE_SHAREPRODUCT_CHECKER', 'SHAREPRODUCT', 'CREATE_CHECKER', FALSE
+            WHERE NOT EXISTS (
+                SELECT 1 FROM m_permission WHERE code = 'CREATE_SHAREPRODUCT_CHECKER'
+            );
+        </sql>
+    </changeSet>
+
+    <changeSet id="0472_enable_product_creation_maker_checker" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="HALT">
+            <sqlCheck expectedResult="4">
+                SELECT COUNT(*)
+                FROM m_permission
+                WHERE code IN ('CREATE_LOANPRODUCT', 'CREATE_SAVINGSPRODUCT', 'CREATE_CURRENTPRODUCT', 'CREATE_SHAREPRODUCT')
+            </sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code IN ('CREATE_LOANPRODUCT', 'CREATE_SAVINGSPRODUCT', 'CREATE_CURRENTPRODUCT', 'CREATE_SHAREPRODUCT');
+        </sql>
+    </changeSet>
+
+    <changeSet id="0472_grant_product_creation_maker_checker_permissions_to_roles" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN (
+                  'CREATE_LOANPRODUCT', 'CREATE_LOANPRODUCT_CHECKER',
+                  'CREATE_SAVINGSPRODUCT', 'CREATE_SAVINGSPRODUCT_CHECKER',
+                  'CREATE_CURRENTPRODUCT', 'CREATE_CURRENTPRODUCT_CHECKER',
+                  'CREATE_SHAREPRODUCT', 'CREATE_SHAREPRODUCT_CHECKER'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN (
+                  'CREATE_LOANPRODUCT', 'CREATE_LOANPRODUCT_CHECKER',
+                  'CREATE_SAVINGSPRODUCT', 'CREATE_SAVINGSPRODUCT_CHECKER',
+                  'CREATE_CURRENTPRODUCT', 'CREATE_CURRENTPRODUCT_CHECKER',
+                  'CREATE_SHAREPRODUCT', 'CREATE_SHAREPRODUCT_CHECKER'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE LOWER(r.name) = 'clerk'
+              AND p.code IN (
+                  'CREATE_LOANPRODUCT', 'CREATE_LOANPRODUCT_CHECKER',
+                  'CREATE_SAVINGSPRODUCT', 'CREATE_SAVINGSPRODUCT_CHECKER',
+                  'CREATE_CURRENTPRODUCT', 'CREATE_CURRENTPRODUCT_CHECKER',
+                  'CREATE_SHAREPRODUCT', 'CREATE_SHAREPRODUCT_CHECKER'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0474_enable_fixed_deposit_product_maker_checker.xml

@@ -0,0 +1,72 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0474_add_fixeddepositproduct_checker_permission_if_not_exists" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'portfolio', 'CREATE_FIXEDDEPOSITPRODUCT_CHECKER', 'FIXEDDEPOSITPRODUCT', 'CREATE_CHECKER', FALSE
+            WHERE NOT EXISTS (
+                SELECT 1 FROM m_permission WHERE code = 'CREATE_FIXEDDEPOSITPRODUCT_CHECKER'
+            );
+        </sql>
+    </changeSet>
+
+    <changeSet id="0474_enable_fixed_deposit_product_creation_maker_checker" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="HALT">
+            <sqlCheck expectedResult="1">
+                SELECT COUNT(*)
+                FROM m_permission
+                WHERE code = 'CREATE_FIXEDDEPOSITPRODUCT'
+            </sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code = 'CREATE_FIXEDDEPOSITPRODUCT';
+        </sql>
+    </changeSet>
+
+    <changeSet id="0474_grant_fixed_deposit_product_creation_maker_checker_permissions_to_roles" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN ('CREATE_FIXEDDEPOSITPRODUCT', 'CREATE_FIXEDDEPOSITPRODUCT_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN ('CREATE_FIXEDDEPOSITPRODUCT', 'CREATE_FIXEDDEPOSITPRODUCT_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE LOWER(r.name) = 'clerk'
+              AND p.code IN ('CREATE_FIXEDDEPOSITPRODUCT', 'CREATE_FIXEDDEPOSITPRODUCT_CHECKER')
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0475_enable_admin_user_maker_checker.xml

@@ -0,0 +1,77 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0475_add_permissions_role_checker_if_not_exists" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'authorisation', 'PERMISSIONS_ROLE_CHECKER', 'ROLE', 'PERMISSIONS_CHECKER', FALSE
+            WHERE NOT EXISTS (
+                SELECT 1 FROM m_permission WHERE code = 'PERMISSIONS_ROLE_CHECKER'
+            );
+        </sql>
+    </changeSet>
+
+    <changeSet id="0475_enable_admin_user_and_role_maker_checker" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <preConditions onFail="HALT">
+            <sqlCheck expectedResult="9">
+                SELECT COUNT(*)
+                FROM m_permission
+                WHERE code IN (
+                    'CREATE_USER', 'UPDATE_USER', 'DELETE_USER',
+                    'CREATE_ROLE', 'UPDATE_ROLE', 'PERMISSIONS_ROLE',
+                    'DELETE_ROLE', 'ENABLE_ROLE', 'DISABLE_ROLE'
+                )
+            </sqlCheck>
+        </preConditions>
+        <sql>
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code IN (
+                'CREATE_USER', 'UPDATE_USER', 'DELETE_USER',
+                'CREATE_ROLE', 'UPDATE_ROLE', 'PERMISSIONS_ROLE',
+                'DELETE_ROLE', 'ENABLE_ROLE', 'DISABLE_ROLE'
+            );
+        </sql>
+    </changeSet>
+
+    <changeSet id="0475_grant_admin_user_and_role_checker_permissions_to_roles" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN (
+                  'CREATE_USER_CHECKER', 'UPDATE_USER_CHECKER', 'DELETE_USER_CHECKER',
+                  'CREATE_ROLE_CHECKER', 'UPDATE_ROLE_CHECKER', 'PERMISSIONS_ROLE_CHECKER',
+                  'DELETE_ROLE_CHECKER', 'ENABLE_ROLE_CHECKER', 'DISABLE_ROLE_CHECKER'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN (
+                  'CREATE_USER_CHECKER', 'UPDATE_USER_CHECKER', 'DELETE_USER_CHECKER',
+                  'CREATE_ROLE_CHECKER', 'UPDATE_ROLE_CHECKER', 'PERMISSIONS_ROLE_CHECKER',
+                  'DELETE_ROLE_CHECKER', 'ENABLE_ROLE_CHECKER', 'DISABLE_ROLE_CHECKER'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/main/resources/db/changelog/tenant/parts/0476_add_user_pending_request_and_enable_charge_mc.xml

@@ -0,0 +1,98 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<databaseChangeLog xmlns="http://www.liquibase.org/xml/ns/dbchangelog"
+                   xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
+                   xsi:schemaLocation="http://www.liquibase.org/xml/ns/dbchangelog http://www.liquibase.org/xml/ns/dbchangelog/dbchangelog-4.1.xsd">
+
+    <changeSet id="0476_create_m_user_pending_request_table" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            CREATE TABLE IF NOT EXISTS m_user_pending_request (
+                id BIGSERIAL PRIMARY KEY,
+                user_id BIGINT NULL REFERENCES m_appuser(id) ON DELETE SET NULL,
+                request_type VARCHAR(20) NOT NULL,
+                status VARCHAR(20) NOT NULL,
+                payload_json TEXT NOT NULL,
+                original_json TEXT NULL,
+                password_hash VARCHAR(255) NULL,
+                maker_id BIGINT NOT NULL REFERENCES m_appuser(id),
+                submitted_date TIMESTAMPTZ NOT NULL,
+                checker_id BIGINT NULL REFERENCES m_appuser(id),
+                checked_date TIMESTAMPTZ NULL,
+                reject_reason VARCHAR(500) NULL,
+                pending_lock_key VARCHAR(100) NULL UNIQUE
+            );
+
+            CREATE INDEX IF NOT EXISTS idx_user_pending_req_status ON m_user_pending_request(status);
+            CREATE INDEX IF NOT EXISTS idx_user_pending_req_user_id ON m_user_pending_request(user_id);
+            CREATE INDEX IF NOT EXISTS idx_user_pending_req_maker ON m_user_pending_request(maker_id);
+        </sql>
+    </changeSet>
+
+    <changeSet id="0476_configure_user_and_charge_maker_checker_permissions" author="fineract" runOnChange="false">
+        <validCheckSum>ANY</validCheckSum>
+        <sql>
+            -- Disable native MC on CREATE_USER and UPDATE_USER to avoid core password sanitization error
+            UPDATE m_permission
+            SET can_maker_checker = FALSE
+            WHERE code IN ('CREATE_USER', 'UPDATE_USER');
+
+            -- Enable native MC on UPDATE_CHARGE and DELETE_CHARGE
+            UPDATE m_permission
+            SET can_maker_checker = TRUE
+            WHERE code IN ('UPDATE_CHARGE', 'DELETE_CHARGE');
+
+            -- Insert bespoke user maker-checker permissions
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'user_administration', 'SUBMIT_CREATE_USER', 'USER', 'SUBMIT_CREATE', FALSE
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'SUBMIT_CREATE_USER');
+
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'user_administration', 'SUBMIT_UPDATE_USER', 'USER', 'SUBMIT_UPDATE', FALSE
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'SUBMIT_UPDATE_USER');
+
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'user_administration', 'APPROVE_USER', 'USER', 'APPROVE', FALSE
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'APPROVE_USER');
+
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'user_administration', 'REJECT_USER', 'USER', 'REJECT', FALSE
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'REJECT_USER');
+
+            INSERT INTO m_permission (grouping, code, entity_name, action_name, can_maker_checker)
+            SELECT 'user_administration', 'READ_USER_PENDING_REQUEST', 'USER', 'READ_PENDING', FALSE
+            WHERE NOT EXISTS (SELECT 1 FROM m_permission WHERE code = 'READ_USER_PENDING_REQUEST');
+
+            -- Grant permissions to Super user
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT r.id, p.id
+            FROM m_role r
+            CROSS JOIN m_permission p
+            WHERE r.name = 'Super user'
+              AND p.code IN (
+                  'UPDATE_CHARGE', 'UPDATE_CHARGE_CHECKER', 'DELETE_CHARGE', 'DELETE_CHARGE_CHECKER',
+                  'SUBMIT_CREATE_USER', 'SUBMIT_UPDATE_USER', 'APPROVE_USER', 'REJECT_USER', 'READ_USER_PENDING_REQUEST'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = r.id AND rp.permission_id = p.id
+              );
+
+            -- Grant permissions to bankadmin
+            INSERT INTO m_role_permission (role_id, permission_id)
+            SELECT ur.role_id, p.id
+            FROM m_appuser u
+            JOIN m_appuser_role ur ON ur.appuser_id = u.id
+            CROSS JOIN m_permission p
+            WHERE u.username = 'bankadmin'
+              AND p.code IN (
+                  'UPDATE_CHARGE', 'UPDATE_CHARGE_CHECKER', 'DELETE_CHARGE', 'DELETE_CHARGE_CHECKER',
+                  'SUBMIT_CREATE_USER', 'SUBMIT_UPDATE_USER', 'APPROVE_USER', 'REJECT_USER', 'READ_USER_PENDING_REQUEST'
+              )
+              AND NOT EXISTS (
+                  SELECT 1 FROM m_role_permission rp
+                  WHERE rp.role_id = ur.role_id AND rp.permission_id = p.id
+              );
+        </sql>
+    </changeSet>
+
+</databaseChangeLog>

fineract-provider/src/test/java/org/apache/fineract/commands/service/CommandSourceServiceTest.java

@@ -28,6 +28,7 @@ import org.apache.fineract.batch.exception.ErrorInfo;
 import org.apache.fineract.commands.domain.CommandSource;
 import org.apache.fineract.commands.domain.CommandSourceRepository;
 import org.apache.fineract.commands.domain.CommandWrapper;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
 import org.apache.fineract.infrastructure.codes.exception.CodeNotFoundException;
 import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
 import org.apache.fineract.infrastructure.core.api.JsonCommand;
@@ -113,4 +114,528 @@ public class CommandSourceServiceTest {
         Assertions.assertEquals(1001, result.getErrorCode());
         Assertions.assertTrue(result.getMessage().contains("Code with name `foo` does not exist"));
     }
+
+    @Test
+    public void testProcessCommand_NonGLAccount_SuperUser_BypassesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("WITHDRAW_SAVINGSACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("SAVINGSACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("WITHDRAW");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("WITHDRAW_SAVINGSACCOUNT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, superUser, false);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(superUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
+
+    @Test
+    public void testProcessCommand_GLAccount_SuperUser_EnforcesMakerChecker_Create() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_GLACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("GLACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(100L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(200L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_GLACCOUNT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_GLAccount_SuperUser_EnforcesMakerChecker_Update_And_Disable() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("UPDATE_GLACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("GLACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("UPDATE");
+        Mockito.when(commandSource.getId()).thenReturn(101L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(201L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("UPDATE_GLACCOUNT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_GLAccount_SuperUser_EnforcesMakerChecker_Delete() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("DELETE_GLACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("GLACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("DELETE");
+        Mockito.when(commandSource.getId()).thenReturn(102L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(202L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("DELETE_GLACCOUNT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_GLAccount_CheckerApproval_ExecutesSuccessfully() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser checkerUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("UPDATE_GLACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("GLACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("UPDATE");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("UPDATE_GLACCOUNT")).thenReturn(true);
+        Mockito.when(checkerUser.isCheckerSuperUser()).thenReturn(false);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, checkerUser, true);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(checkerUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
+
+    @Test
+    public void testProcessCommand_GLAccount_NonSuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser regularUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_GLACCOUNT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("GLACCOUNT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(103L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(203L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_GLACCOUNT")).thenReturn(true);
+        Mockito.when(regularUser.isCheckerSuperUser()).thenReturn(false);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, regularUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_CBSBaseInterestRate_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_CBSBASEINTERESTRATE");
+        Mockito.when(commandSource.getEntityName()).thenReturn("CBSBASEINTERESTRATE");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(104L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(204L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_CBSBASEINTERESTRATE")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_CBSBaseInterestRate_CheckerApproval_MarksAsChecked() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser checkerUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_CBSBASEINTERESTRATE");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_CBSBASEINTERESTRATE")).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, checkerUser, true);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(checkerUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
+
+    @Test
+    public void testProcessCommand_Charge_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_CHARGE");
+        Mockito.when(commandSource.getEntityName()).thenReturn("CHARGE");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(105L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(205L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_CHARGE")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_Charge_NonSuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser regularUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_CHARGE");
+        Mockito.when(commandSource.getEntityName()).thenReturn("CHARGE");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(106L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(206L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_CHARGE")).thenReturn(true);
+        Mockito.when(regularUser.isCheckerSuperUser()).thenReturn(false);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, regularUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_LoanProduct_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_LOANPRODUCT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("LOANPRODUCT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(110L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(210L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_LOANPRODUCT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_SavingsProduct_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_SAVINGSPRODUCT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("SAVINGSPRODUCT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(111L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(211L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_SAVINGSPRODUCT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_CurrentProduct_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_CURRENTPRODUCT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("CURRENTPRODUCT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(112L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(212L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_CURRENTPRODUCT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_ShareProduct_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_SHAREPRODUCT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("SHAREPRODUCT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(113L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(213L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_SHAREPRODUCT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_FixedDepositProduct_SuperUser_EnforcesMakerChecker() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser superUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_FIXEDDEPOSITPRODUCT");
+        Mockito.when(commandSource.getEntityName()).thenReturn("FIXEDDEPOSITPRODUCT");
+        Mockito.when(commandSource.getActionName()).thenReturn("CREATE");
+        Mockito.when(commandSource.getId()).thenReturn(114L);
+        Mockito.when(commandSource.getResourceId()).thenReturn(214L);
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_FIXEDDEPOSITPRODUCT")).thenReturn(true);
+        Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+            underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+        });
+
+        Mockito.verify(commandSource).markAsAwaitingApproval();
+        Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+    }
+
+    @Test
+    public void testProcessCommand_FixedDepositProduct_CheckerApproval_MarksAsChecked() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser checkerUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_FIXEDDEPOSITPRODUCT");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_FIXEDDEPOSITPRODUCT")).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, checkerUser, true);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(checkerUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
+
+    @Test
+    public void testProcessCommand_Products_CheckerApproval_MarksAsChecked() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser checkerUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_LOANPRODUCT");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_LOANPRODUCT")).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, checkerUser, true);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(checkerUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
+
+    @Test
+    public void testProcessCommand_UserOperations_SuperUserBypassBlocked_ThrowsRollbackException() {
+        String[] actions = { "CREATE", "UPDATE", "DELETE" };
+        String[] permissions = { "CREATE_USER", "UPDATE_USER", "DELETE_USER" };
+
+        for (int i = 0; i < actions.length; i++) {
+            NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+            JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+            CommandSource commandSource = Mockito.mock(CommandSource.class);
+            AppUser superUser = Mockito.mock(AppUser.class);
+
+            Mockito.when(commandSource.getEntityName()).thenReturn("USER");
+            Mockito.when(commandSource.getActionName()).thenReturn(actions[i]);
+            Mockito.when(commandSource.getPermissionCode()).thenReturn(permissions[i]);
+            Mockito.when(commandSource.isSanitized()).thenReturn(false);
+            Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask(permissions[i])).thenReturn(true);
+            Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+            org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                    .withCommandId(1L).build();
+            Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+            Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+                underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+            });
+
+            Mockito.verify(commandSource).markAsAwaitingApproval();
+            Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+        }
+    }
+
+    @Test
+    public void testProcessCommand_RoleOperations_SuperUserBypassBlocked_ThrowsRollbackException() {
+        String[] actions = { "CREATE", "UPDATE", "PERMISSIONS", "DELETE" };
+        String[] permissions = { "CREATE_ROLE", "UPDATE_ROLE", "PERMISSIONS_ROLE", "DELETE_ROLE" };
+
+        for (int i = 0; i < actions.length; i++) {
+            NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+            JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+            CommandSource commandSource = Mockito.mock(CommandSource.class);
+            AppUser superUser = Mockito.mock(AppUser.class);
+
+            Mockito.when(commandSource.getEntityName()).thenReturn("ROLE");
+            Mockito.when(commandSource.getActionName()).thenReturn(actions[i]);
+            Mockito.when(commandSource.getPermissionCode()).thenReturn(permissions[i]);
+            Mockito.when(commandSource.isSanitized()).thenReturn(false);
+            Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask(permissions[i])).thenReturn(true);
+            Mockito.when(superUser.isCheckerSuperUser()).thenReturn(true);
+
+            org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                    .withCommandId(1L).build();
+            Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+            Assertions.assertThrows(org.apache.fineract.commands.exception.RollbackTransactionNotApprovedException.class, () -> {
+                underTest.processCommand(handler, jsonCommand, commandSource, superUser, false);
+            });
+
+            Mockito.verify(commandSource).markAsAwaitingApproval();
+            Mockito.verify(commandSource, Mockito.never()).markAsChecked(any());
+        }
+    }
+
+    @Test
+    public void testProcessCommand_UserAndRole_CheckerApproval_MarksAsChecked() {
+        NewCommandSourceHandler handler = Mockito.mock(NewCommandSourceHandler.class);
+        JsonCommand jsonCommand = Mockito.mock(JsonCommand.class);
+        CommandSource commandSource = Mockito.mock(CommandSource.class);
+        AppUser checkerUser = Mockito.mock(AppUser.class);
+
+        Mockito.when(commandSource.getPermissionCode()).thenReturn("CREATE_USER");
+        Mockito.when(configurationDomainService.isMakerCheckerEnabledForTask("CREATE_USER")).thenReturn(true);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult dummyResult = new org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder()
+                .withCommandId(1L).build();
+        Mockito.when(handler.processCommand(jsonCommand)).thenReturn(dummyResult);
+
+        org.apache.fineract.infrastructure.core.data.CommandProcessingResult result = underTest.processCommand(handler, jsonCommand,
+                commandSource, checkerUser, true);
+
+        Assertions.assertNotNull(result);
+        Mockito.verify(commandSource).markAsChecked(checkerUser);
+        Mockito.verify(commandSource, Mockito.never()).markAsAwaitingApproval();
+    }
 }

fineract-provider/src/test/java/org/apache/fineract/portfolio/charge/handler/CreateChargeDefinitionCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * 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.charge.handler;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.charge.service.ChargeWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateChargeDefinitionCommandHandlerTest {
+
+    @Mock
+    private ChargeWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateChargeDefinitionCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(101L)
+                .withEntityId(201L)
+                .build();
+        when(writePlatformService.createCharge(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).createCharge(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/loanproduct/handler/CreateLoanProductCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * 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.loanproduct.handler;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.loanproduct.service.LoanProductWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateLoanProductCommandHandlerTest {
+
+    @Mock
+    private LoanProductWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateLoanProductCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(101L)
+                .withEntityId(201L)
+                .build();
+        when(writePlatformService.createLoanProduct(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).createLoanProduct(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/savings/handler/CreateCbsBaseInterestRateCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.handler;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateCbsBaseInterestRateCommandHandlerTest {
+
+    @Mock
+    private FdBaseInterestRateWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateCbsBaseInterestRateCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(100L)
+                .withEntityId(200L)
+                .build();
+        when(writePlatformService.saveInterestRates(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).saveInterestRates(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/savings/handler/CreateSavingsProductCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.handler;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.savings.service.SavingsProductWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateSavingsProductCommandHandlerTest {
+
+    @Mock
+    private SavingsProductWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateSavingsProductCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(102L)
+                .withEntityId(202L)
+                .build();
+        when(writePlatformService.create(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).create(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/savings/handler/current/CreateCurrentProductCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.handler.current;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.currentproduct.service.CurrentProductWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateCurrentProductCommandHandlerTest {
+
+    @Mock
+    private CurrentProductWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateCurrentProductCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(103L)
+                .withEntityId(203L)
+                .build();
+        when(writePlatformService.create(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).create(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/savings/service/FdBaseInterestRateReadPlatformServiceImplTest.java

@@ -0,0 +1,265 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import static org.junit.jupiter.api.Assertions.assertDoesNotThrow;
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertThrows;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import java.math.BigDecimal;
+import java.util.Collections;
+import java.util.List;
+import org.apache.fineract.infrastructure.core.domain.FineractPlatformTenant;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.service.ThreadLocalContextUtil;
+import org.apache.fineract.portfolio.savings.api.FdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.domain.FdBaseInterestRateEffective;
+import org.apache.fineract.portfolio.savings.domain.FdBaseInterestRateEffectiveRepository;
+import org.apache.fineract.portfolio.savings.domain.FdBaseInterestRateSlabHistoryRepository;
+import org.junit.jupiter.api.AfterEach;
+import org.junit.jupiter.api.BeforeEach;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class FdBaseInterestRateReadPlatformServiceImplTest {
+
+    @Mock
+    private FdBaseInterestRateEffectiveRepository effectiveRepository;
+
+    @Mock
+    private FdBaseInterestRateSlabHistoryRepository slabRepository;
+
+    @InjectMocks
+    private FdBaseInterestRateReadPlatformServiceImpl service;
+
+    @BeforeEach
+    void setUp() {
+        ThreadLocalContextUtil.setTenant(new FineractPlatformTenant(1L, "default", "Default", "Asia/Kolkata", null));
+    }
+
+    @AfterEach
+    void tearDown() {
+        ThreadLocalContextUtil.setTenant(null);
+    }
+
+    private FdInterestRateSaveRequest.SlabRequest createSlab(int srNo, String desc, int periodType, int from, Integer to, double rate, double seniorRate) {
+        FdInterestRateSaveRequest.SlabRequest s = new FdInterestRateSaveRequest.SlabRequest();
+        s.setSrNo(srNo);
+        s.setDescription(desc);
+        s.setPeriodTypeEnum(periodType);
+        s.setFromPeriod(from);
+        s.setToPeriod(to);
+        s.setAnnualInterestRate(BigDecimal.valueOf(rate));
+        s.setSeniorCitizenRate(BigDecimal.valueOf(seniorRate));
+        return s;
+    }
+
+    @Test
+    void testValidSingleDepositSlabs() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        request.setVersionLabel("v1.0");
+
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, 5.0),
+                createSlab(2, "30 to 89 Days", 0, 30, 89, 5.0, 5.5),
+                createSlab(3, "90 to 179 Days", 0, 90, 179, 5.5, 6.0),
+                createSlab(4, "180+ Days", 0, 180, null, 6.0, 6.5)
+        );
+        request.setSlabs(slabs);
+
+        when(effectiveRepository.findByFdTypeAndIsActiveTrueOrderByEffectiveFromDateDesc("SINGLE"))
+                .thenReturn(Collections.emptyList());
+        when(effectiveRepository.saveAndFlush(any())).thenAnswer(invocation -> invocation.getArgument(0));
+
+        assertDoesNotThrow(() -> service.saveInterestRates(request, 1L));
+        verify(effectiveRepository).saveAndFlush(any());
+    }
+
+    @Test
+    void testValidDoubleDepositSlabs() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("DOUBLE");
+        request.setVersionLabel("v1.0");
+
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 2 Years", 3, 1, 2, 6.5, 7.0),
+                createSlab(2, "3 to 5 Years", 3, 3, 5, 6.75, 7.25),
+                createSlab(3, "6 to 10 Years", 3, 6, 10, 7.0, 7.5),
+                createSlab(4, "11+ Years", 3, 11, null, 7.25, 7.75)
+        );
+        request.setSlabs(slabs);
+
+        when(effectiveRepository.findByFdTypeAndIsActiveTrueOrderByEffectiveFromDateDesc("DOUBLE"))
+                .thenReturn(Collections.emptyList());
+        when(effectiveRepository.saveAndFlush(any())).thenAnswer(invocation -> invocation.getArgument(0));
+
+        assertDoesNotThrow(() -> service.saveInterestRates(request, 1L));
+    }
+
+    @Test
+    void testInvalidFirstSlabDoesNotStartAtOne() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "2 to 29 Days", 0, 2, 29, 4.5, 5.0),
+                createSlab(2, "30+ Days", 0, 30, null, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals(1, ex.getErrors().size());
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[1].fromPeriod.first.slab.must.start.at.one",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidOverlapRanges() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, 5.0),
+                createSlab(2, "20 to 50 Days", 0, 20, 50, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[2].fromPeriod.must.not.overlap.previous.range",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidGapBetweenRanges() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, 5.0),
+                createSlab(2, "35 to 89 Days", 0, 35, 89, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[2].fromPeriod.must.be.continuous.with.previous.range",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidDuplicateRanges() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, 5.0),
+                createSlab(2, "1 to 29 Days duplicate", 0, 1, 29, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[2].fromPeriod.must.not.overlap.previous.range",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidFromGreaterThanTo() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 20 Days", 0, 1, 20, 4.5, 5.0),
+                createSlab(2, "21 to 10 Days", 0, 21, 10, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[2].toPeriod.cannot.be.less.than.fromPeriod",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidBlankToPeriodOnIntermediateSlab() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to null Days", 0, 1, null, 4.5, 5.0),
+                createSlab(2, "30+ Days", 0, 30, null, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[1].toPeriod.cannot.be.blank.for.intermediate.slab",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidMixedPeriodTypes() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, 5.0),
+                createSlab(2, "30 to 89 Months", 2, 30, 89, 5.0, 5.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[2].periodTypeEnum.must.be.consistent.across.all.slabs",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidNegativeInterestRate() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, -1.0, 5.0)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[1].annualInterestRate.must.be.non.negative",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+
+    @Test
+    void testInvalidNegativeSeniorRate() {
+        FdInterestRateSaveRequest request = new FdInterestRateSaveRequest();
+        request.setFdType("SINGLE");
+        List<FdInterestRateSaveRequest.SlabRequest> slabs = List.of(
+                createSlab(1, "1 to 29 Days", 0, 1, 29, 4.5, -0.5)
+        );
+        request.setSlabs(slabs);
+
+        PlatformApiDataValidationException ex = assertThrows(PlatformApiDataValidationException.class,
+                () -> service.saveInterestRates(request, 1L));
+        assertEquals("validation.msg.FD_BASE_INTEREST_RATE_VERSION.slabs[1].seniorCitizenRate.must.be.non.negative",
+                ex.getErrors().get(0).getUserMessageGlobalisationCode());
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/savings/service/FdBaseInterestRateWritePlatformServiceImplTest.java

@@ -0,0 +1,80 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings.service;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertNotNull;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.eq;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.savings.api.FdInterestRateSaveRequest;
+import org.apache.fineract.portfolio.savings.data.FdInterestRateEffectiveData;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class FdBaseInterestRateWritePlatformServiceImplTest {
+
+    @Mock
+    private PlatformSecurityContext context;
+
+    @Mock
+    private FdBaseInterestRateReadPlatformService readPlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @Mock
+    private AppUser appUser;
+
+    @InjectMocks
+    private FdBaseInterestRateWritePlatformServiceImpl writePlatformService;
+
+    @Test
+    void shouldParseJsonAndSaveInterestRates() {
+        String jsonPayload = "{\"fdType\":\"SINGLE\",\"versionLabel\":\"v1.0\",\"slabs\":[{\"srNo\":1,\"description\":\"1 to 29 Days\",\"periodTypeEnum\":0,\"fromPeriod\":1,\"toPeriod\":29,\"annualInterestRate\":5.0,\"seniorCitizenRate\":5.5}]}";
+        when(command.json()).thenReturn(jsonPayload);
+        when(command.commandId()).thenReturn(789L);
+        when(context.authenticatedUser()).thenReturn(appUser);
+        when(appUser.getId()).thenReturn(1L);
+
+        FdInterestRateEffectiveData savedData = FdInterestRateEffectiveData.builder()
+                .id(10L)
+                .fdType("SINGLE")
+                .versionLabel("v1.0")
+                .build();
+        when(readPlatformService.saveInterestRates(any(FdInterestRateSaveRequest.class), eq(1L))).thenReturn(savedData);
+
+        CommandProcessingResult result = writePlatformService.saveInterestRates(command);
+
+        assertNotNull(result);
+        assertEquals(789L, result.getCommandId());
+        assertEquals(10L, result.getResourceId());
+        verify(readPlatformService).saveInterestRates(any(FdInterestRateSaveRequest.class), eq(1L));
+    }
+}

fineract-provider/src/test/java/org/apache/fineract/portfolio/shareproducts/handler/CreateShareProductCommandHandlerTest.java

@@ -0,0 +1,60 @@
+/**
+ * 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.shareproducts.handler;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.shareproducts.service.ShareProductWritePlatformService;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+@ExtendWith(MockitoExtension.class)
+class CreateShareProductCommandHandlerTest {
+
+    @Mock
+    private ShareProductWritePlatformService writePlatformService;
+
+    @Mock
+    private JsonCommand command;
+
+    @InjectMocks
+    private CreateShareProductCommandHandler underTest;
+
+    @Test
+    void shouldDelegateToWritePlatformServiceAndReturnResult() {
+        CommandProcessingResult expectedResult = new CommandProcessingResultBuilder()
+                .withCommandId(104L)
+                .withEntityId(204L)
+                .build();
+        when(writePlatformService.createShareProduct(command)).thenReturn(expectedResult);
+
+        CommandProcessingResult actualResult = underTest.processCommand(command);
+
+        verify(writePlatformService).createShareProduct(command);
+        assertEquals(expectedResult, actualResult);
+    }
+}

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

@@ -3008,7 +3008,10 @@ public class SavingsAccount extends AbstractAuditableWithUTCDateTimeCustom<Long>
     }
 
     public Money activateWithBalance() {
-        return Money.of(this.currency, this.minRequiredOpeningBalance);
+        // Activation never deposits money -- funding happens strictly through a separate deposit
+        // transaction (posted by a clerk) after the account is already active, regardless of any
+        // minimum required opening balance the product has configured.
+        return Money.zero(this.currency);
     }
 
     public void approveAndActivateApplication(final LocalDate appliedonDate, final AppUser appliedBy) {
@@ -3700,10 +3703,10 @@ public class SavingsAccount extends AbstractAuditableWithUTCDateTimeCustom<Long>
     }
 
     private Money minRequiredBalanceDerived(final MonetaryCurrency currency) {
+        // Minimum required balance is not enforced -- withdrawals (and every other balance check
+        // that goes through this) must never be blocked by a configured minimum balance. Overdraft
+        // headroom is a separate concept and still applies.
         Money minReqBalance = Money.zero(currency);
-        if (this.enforceMinRequiredBalance) {
-            minReqBalance = minReqBalance.plus(this.minRequiredBalance);
-        }
         if (this.allowOverdraft) {
             minReqBalance = minReqBalance.minus(this.overdraftLimit);
         }

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

@@ -160,7 +160,11 @@ public class FacilityChargeAutoApplyService {
             }
         }
         if (!transactions.isEmpty()) {
-            savingsAccountTransactionRepository.saveAll(transactions);
+            // Flush immediately (not just save) so each transaction gets its DB-generated id right
+            // away -- the caller posts GL journal entries for these transactions straight after this
+            // call returns, and that requires a real id on each one, not one that only appears at
+            // end-of-transaction commit.
+            savingsAccountTransactionRepository.saveAllAndFlush(transactions);
             account.recalculateBalancesAfterFacilityCharges(transactionDate);
         }
         return transactions;

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

@@ -79,6 +79,9 @@ public interface SavingsAccountWritePlatformService {
     void processPostActiveActions(SavingsAccount account, DateTimeFormatter fmt, Set<Long> existingTransactionIds,
             Set<Long> existingReversedTransactionIds);
 
+    void postJournalEntriesForSavingsAccount(SavingsAccount account, Set<Long> existingTransactionIds,
+            Set<Long> existingReversedTransactionIds, boolean backdatedTxnsAllowedTill);
+
     CommandProcessingResult modifyWithHoldTax(Long savingsAccountId, JsonCommand command);
 
     void setSubStatusInactive(Long savingsId);