- Add /digital/neft-rtgs (entry) and /digital/neft-rtgs-report (analytics): KPIs, tabbed views (Trends, Bank-wise, Date-wise, Pending/Pass/Return, Branch/Mobile, User-wise), filterable transaction table with CSV export, and a non-dismissible Initiate dialog launched from a floating action. - Make BANL verification mandatory before NEFT/RTGS submit; auto-fill and lock beneficiary name from the lookup response, invalidate match on A/C or IFSC edit, demo fallback for unknown accounts. - Add Digital menu links (NEFT/RTGS + Report) in shell top-nav. - Replace toolbar theme toggle with AI / Intelligence Modules mega menu: 4 colour-coded columns covering Lending & Risk, Investment & Profit, Compliance & Advisory, Governance (9 modules total). Wire RBI Notifications Monitoring to /rbi-circulars. - Unify notifications, settings, AI, and profile toolbar buttons into a 26px ring style; colourful gradient bell SVG for notifications, custom gear+petals AI mark, online dot on the avatar. - Trim ISO 27001 chip in the top bar. - Add MPL header to generated .env.ts and its template in version.js. - Bundles other pending working-tree changes (clients family/nominee tab tweaks, auth/2FA fixes, translations) into the same push. Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>