- Add savings portfolio overview, active deposits list, and maturity progress
- Implement open and edit term deposit modal with bank presets, tenor chips, and live interest preview (TT 14/2017)
- Implement settlement modal with early withdrawal penalty breakdown (TT 04/2022)
- Integrate savings account wallets into NetWorthWidget, Wallets page, and home navigation
- Add bilingual i18n support (English/Vietnamese) and guest mode demo mock data
- Adhere 100% to Claymorphism design system tokens

- Add guest trial mode entry point with repositioned CTA on Login page
- Introduce GuestModeBanner with responsive alignment and vertical centering
- Intercept guest API requests via Axios adapter with full offline mock dataset
- Support Debts & Loans module, Amortization simulator, and full permissions for Guest user
- Add client-side mock responses for AI Assistant (Chat, Insights, Recommendations) consuming 0 tokens
- Add defensive optional chaining and array fallbacks across Forecast, Saving Goals, Reports, Debts, and AI views
- Update multi-language dictionaries (vi/en) with guest mode labels and descriptions

- Align DebtStatus with backend Prisma schema (DRAFT, ACTIVE, OVERDUE, COMPLETED, DEFAULTED, CANCELLED)
- Add DEBT_PAYMENT_DUE to NotificationType and DEBT to NotificationSourceType
- Integrate DEBT_PAYMENT_DUE in NotificationCard surface styling, notification type filter, and i18n locales (vi/en)
- Enhance debt card, modal, and detail views to properly handle overdue status and repayment flows
- Update memory.md with latest UX decisions on modal separation and localization

feat(debts): standardize debts & loans UI, fix modal scrollbars, and enhance forecast depletion contrast

- Add Fast-Entry instructional card with chat syntax examples in NotificationSettings

- Add i18n translations for fastEntry in vi.json and en.json

- Support Zalo Bot deep link (?screen=transaction-edit&id=...&source=zalo_bot) in TransactionsPage

- Update frontend memory.md

- Add DailyTransactionReminderCard component with toggle, time picker, and today status badge

- Integrate daily transaction reminder into notifications Reminders tab

- Add service methods, react-query hooks, and types for daily reminder API

- Localize daily reminder UI strings in Vietnamese and English

- Fix CSV file download not persisting to device storage by separating attachment download URL from inline preview URL
- Support Zalo native openDocument preview for PDF and direct downloadFile saving for XLSX and CSV
- Remove redundant share button and align expiration badge with download button
- Enable deep linking and statement job highlighting from notification clicks

refactor(profile): remove data management and account handover shortcuts from profile page

See merge request !53

feat(data): implement backup import merge, QR/OTP account handover, and layout standardization

See merge request !52

- Add Backup Import & Smart Merge wizard UI at /data-management with file preview, password unlock, and category harmonization

- Add Real-time Account Handover UI at /account-handover supporting QR scanning, clay-style PIN display, and mutual OTP confirmation

- Standardize layout container structure and safe-area margins across all 8 Admin Center pages and Integrations page

- Adjust header controls positioning (.finwise-header-controls) to maintain safe buffer from Zalo native capsule buttons

- Add complete bilingual i18n support (vi, en) and register protected routes in application layout

feat(statements): implement statement export with claymorphism UI and home navigation

See merge request !51

feat(notifications): improve Zalo Bot linking flow with 2-step guide and dynamic URL support

See merge request !50

feat(notifications): display recurring transaction due date and navigate to details modal

See merge request !49

feat(auth,admin): enhance auth UI and integrate audit log archive cleanup

See merge request !48

fix(ui): eliminate redundant side padding and standardize page layouts

See merge request !46

fix(recurring): remove VND decimals and display notification status badge

See merge request !45