ZPay: Ziraat Banking Demo

⚠️ IMPORTANT NOTICE: DEMO & TESTING SANDBOX APPLICATION
This mobile application is an official demonstration, test, and evaluation environment (Sandbox) for the ZPay / ZiraatBank digital mobile banking system. It is designed specifically for UI/UX testing, feature demonstration, and system simulation. All balances, cards, payments, and accounts displayed within this application operate with test data in a sandbox mode and do NOT represent real financial funds or live banking operations.

ZPay (ZiraatBank Demo) showcases the next-generation digital banking experience built on modern, secure architectural standards.

DEMO CAPABILITIES & SIMULATED FEATURES:
• Interactive Dashboard: Explore card balances, recent transaction feeds, and quick action shortcuts.
• P2P Card Transfer Simulator: Test card-to-card transfer flows with simulated transaction validation.
• Contactless QR Payments: Experience scanning and generating EMVCo-compliant QR codes for retail payments.
• Multi-Currency CASA Accounts: View test foreign exchange (FX) rates (USD, EUR, RUB, TRY) and multi-currency account structures.
• Utility & Munis Billing Demo: Simulate utility, telecom, and municipal bill payments in a sandbox environment.
• Deposit & Loan Calculator: Interactive loan amortization schedules and simulated deposit yields.
• Corporate Banking & Styx Token: Preview maker-checker approvals and cryptographic transaction authorization flows.
• Modern Security: Biometric authentication (FaceID / Fingerprint), session timeouts, and MASVS-L2 security architecture.

Note: To access production banking services, please visit an official Ziraat Bank branch or the official web portal.

Recent changes:
ZPay Demo 3.0.4: Overhauled P2P transfers UI, visual card carousel, quick recipient contacts, instant verified recipient lookup, interactive account swap, and full offline demo mode.