bank_ui_kit

A premium-quality overhaul driven by a full visual and code audit against
Backbase-class design systems: 7 systemic themes, 76 ranked defects, the top
24 fixed in this release.

Added

• Interaction states everywhere: new BankPressable wrapper gives cards,
  tiles, keypads, and quick actions pressed-scale, hover/focus state layers,
  a keyboard focus ring, and button semantics; state-layer opacities and
  press scale are theme tokens.
• Dark-mode depth system: dark shadow variants with Brightness
  resolvers plus hairline edge tokens, adopted across 30+ card surfaces
  through one internal resolver; Material Card elevations migrated to the
  token language.
• Brand voices per preset: displayFontFamily (Heritage gets a bundled
  Noto Serif Display face, Bloom uses Fredoka), cardSurfaceGradient, and
  generative BankCardPattern overlays (mesh, lattice, arcs, grid), all
  serialised in theme JSON.
• Real network marks: vector Visa wordmark, token-driven Mastercard
  lens, and Amex tile replace the synthetic italic faux-bold text, with a
  markBuilder escape hatch for licensed artwork; shared metallic
  BankCardChip and a single PAN treatment across all card widgets.
• BankSegmentedControl: theme-driven segmented control (no M3
  checkmark, 44 px minimum, labels never fracture mid-word).
• BankCountryFlag: tofu-proof country indicator (crafted ISO chip by
  default, emoji opt-in, global flagBuilder override on BankUiScope).
• Money presentation API: trimZeroCents, splitMajorMinor, deliberate
  unknown-code fallback; balance count-up animation; amounts scale down
  instead of ellipsizing.
• Theme-derived chart palette generation, portfolio-chart axes and themed
  tooltips, honest gauge/meter readouts, and an animated price ticker.

Fixed

• Blank CTA labels on state views, banners, sheets, and rewards cards (brand
  font now survives ButtonStyle.textStyle).
• BankAccountCard: dead 70-90 px band removed (content-sized), resting
  shadow restored in all presets, frozen state desaturates instead of
  stamping a snowflake over the balance, status chips use the unified
  semantic ramps.
• Mid-word wrapping and truncation: onboarding stepper labels, product
  category tiles, segmented controls, balance-tile captions, and money
  amounts no longer fracture or ellipsize at the kit's own demo widths.
• Flip button no longer collides with network marks (reserved directional
  corner, verified LTR + RTL); premium card surfaces keep their hero shadow.
• One green/red/amber family kit-wide: semantic status, investment, and
  credit colours unified onto the AA financial ramps with dark variants
  (previously a mix of Apple, Tailwind, and Material palettes).
• Loan APR unit footgun: annualRate documented and asserted as a fraction
  with a formatting helper (no more 890% demo APRs); catalog rates read
  "From 5.9% APR" in order.
• Transaction rows: amount carries the row's optical weight, credits are
  positive-green with an explicit plus, debits stay neutral; joint tiles no
  longer leak amounts through privacy mode.
• Example app demo data reads credibly (consistent phone country/number,
  humanized labels, internally consistent representative examples), overlay
  components are captured open, and component screenshots crop to content.

A premium-quality overhaul driven by a full visual and code audit against Backbase-class design systems: 7 systemic themes, 76 ranked defects, the top 24 fixed in this release.

Added

• Interaction states everywhere: new BankPressable wrapper gives cards, tiles, keypads, and quick actions pressed-scale, hover/focus state layers, a keyboard focus ring, and button semantics; state-layer opacities and press scale are theme tokens.
• Dark-mode depth system: dark shadow variants with Brightness resolvers plus hairline edge tokens, adopted across 30+ card surfaces through one internal resolver; Material Card elevations migrated to the token language.
• Brand voices per preset: displayFontFamily (Heritage gets a bundled Noto Serif Display face, Bloom uses Fredoka), cardSurfaceGradient, and generative BankCardPattern overlays (mesh, lattice, arcs, grid), all serialised in theme JSON.
• Real network marks: vector Visa wordmark, token-driven Mastercard lens, and Amex tile replace the synthetic italic faux-bold text, with a markBuilder escape hatch for licensed artwork; shared metallic BankCardChip and a single PAN treatment across all card widgets.
• BankSegmentedControl: theme-driven segmented control (no M3 checkmark, 44 px minimum, labels never fracture mid-word).
• BankCountryFlag: tofu-proof country indicator (crafted ISO chip by default, emoji opt-in, global flagBuilder override on BankUiScope).
• Money presentation API: trimZeroCents, splitMajorMinor, deliberate unknown-code fallback; balance count-up animation; amounts scale down instead of ellipsizing.
• Theme-derived chart palette generation, portfolio-chart axes and themed tooltips, honest gauge/meter readouts, and an animated price ticker.

Fixed

• Blank CTA labels on state views, banners, sheets, and rewards cards (brand font now survives ButtonStyle.textStyle).
• BankAccountCard: dead 70-90 px band removed (content-sized), resting shadow restored in all presets, frozen state desaturates instead of stamping a snowflake over the balance, status chips use the unified semantic ramps.
• Mid-word wrapping and truncation: onboarding stepper labels, product category tiles, segmented controls, balance-tile captions, and money amounts no longer fracture or ellipsize at the kit's own demo widths.
• Flip button no longer collides with network marks (reserved directional corner, verified LTR + RTL); premium card surfaces keep their hero shadow.
• One green/red/amber family kit-wide: semantic status, investment, and credit colours unified onto the AA financial ramps with dark variants (previously a mix of Apple, Tailwind, and Material palettes).
• Loan APR unit footgun: annualRate documented and asserted as a fraction with a formatting helper (no more 890% demo APRs); catalog rates read "From 5.9% APR" in order.
• Transaction rows: amount carries the row's optical weight, credits are positive-green with an explicit plus, debits stay neutral; joint tiles no longer leak amounts through privacy mode.
• Example app demo data reads credibly (consistent phone country/number, humanized labels, internally consistent representative examples), overlay components are captured open, and component screenshots crop to content.

Turns the kit from a widget library into a design system: tokens become
platform-neutral data, money formats per locale, and accessibility is enforced
in CI.

Added

• W3C DTCG design-token source of truth (tokens/design-tokens.json): the
  scalar tokens (colours, spacing, radius, motion, tap target) now generate
  lib/src/theme/tokens.dart via tool/generate_tokens.dart, with a CI drift
  guard (--check). Composite tokens (text styles, curves, shadows) stay
  hand-authored and reference the generated values.
• BankThemeData.toJson() / .fromJson(): any brand (including the four
  presets) serialises to/from JSON (#RRGGBBAA hex) for Figma Variables,
  native platforms, and server-driven / remote branding. All presets are
  exported to tokens/themes/ (regenerate via test/theme_export_test.dart).
• Locale-aware money formatting: BankMoneyFormatter.format/formatSign
  accept a locale so grouping and separators follow the market (German
  1.234.567,89, French 1 234 567,89, Indian lakh 12,34,567.89). Core
  money widgets resolve it from Localizations automatically; the new
  BuildContext.bankLocale extension exposes it for direct formatter calls.
• Accessibility & visual-regression gates in CI: a WCAG contrast test
  (89 assertions across every preset × light/dark), tap-target (44 px) and
  accessible-label guideline checks, and Flutter-native golden tests across
  presets × brightness × direction.
• Bundled glyph-coverage fallback fonts (kBankFontFallback): OFL Noto
  subsets for currency symbols (₹ ₩ ₫ ₿ Ξ …), Arabic script, Latin-Extended
  (ł, č …), and Arabic-Indic / Persian / Devanagari numerals, wired as
  fontFamilyFallback on every text style and theme — so every script the kit
  advertises renders, even offline / on web without a CDN.
• doc/enterprise/design-tokens.md documenting the token pipeline.

Changed

• Fixed WCAG AA contrast defects shipping in default presets: Bloom light
  onPrimary (2.78:1 → dark ink), Heritage dark onPrimary (4.44:1), and the
  financial semantic colours (positiveBalance 2.26:1, pending 2.03:1,
  negativeBalance). Semantic colours are now brightness-aware (AA-compliant
  emerald/red/amber on light surfaces, lighter variants on dark), applied
  automatically by BankThemeData.custom().

Removed

• alchemist dev dependency — it never compiled against Flutter 3.44 (missing
  Canvas methods) and is replaced by Flutter-native golden tests.

Turns the kit from a widget library into a design system: tokens become platform-neutral data, money formats per locale, and accessibility is enforced in CI.

Added

• W3C DTCG design-token source of truth (tokens/design-tokens.json): the scalar tokens (colours, spacing, radius, motion, tap target) now generate lib/src/theme/tokens.dart via tool/generate_tokens.dart, with a CI drift guard (--check). Composite tokens (text styles, curves, shadows) stay hand-authored and reference the generated values.
• BankThemeData.toJson() / .fromJson(): any brand (including the four presets) serialises to/from JSON (#RRGGBBAA hex) for Figma Variables, native platforms, and server-driven / remote branding. All presets are exported to tokens/themes/ (regenerate via test/theme_export_test.dart).
• Locale-aware money formatting: BankMoneyFormatter.format/formatSign accept a locale so grouping and separators follow the market (German 1.234.567,89, French 1 234 567,89, Indian lakh 12,34,567.89). Core money widgets resolve it from Localizations automatically; the new BuildContext.bankLocale extension exposes it for direct formatter calls.
• Accessibility & visual-regression gates in CI: a WCAG contrast test (89 assertions across every preset × light/dark), tap-target (44 px) and accessible-label guideline checks, and Flutter-native golden tests across presets × brightness × direction.
• Bundled glyph-coverage fallback fonts (kBankFontFallback): OFL Noto subsets for currency symbols (₹ ₩ ₫ ₿ Ξ …), Arabic script, Latin-Extended (ł, č …), and Arabic-Indic / Persian / Devanagari numerals, wired as fontFamilyFallback on every text style and theme, so every script the kit advertises renders, even offline / on web without a CDN.
• doc/enterprise/design-tokens.md documenting the token pipeline.

Changed

• Fixed WCAG AA contrast defects shipping in default presets: Bloom light onPrimary (2.78:1 → dark ink), Heritage dark onPrimary (4.44:1), and the financial semantic colours (positiveBalance 2.26:1, pending 2.03:1, negativeBalance). Semantic colours are now brightness-aware (AA-compliant emerald/red/amber on light surfaces, lighter variants on dark), applied automatically by BankThemeData.custom().

Removed

• alchemist dev dependency, which never compiled against Flutter 3.44 (missing Canvas methods) and is replaced by Flutter-native golden tests.

Adds a product-origination surface and a complete reference app.

Added

• Products & applications module (lib/src/products/): BankProductCard
  (rate hero, feature list, badges, dual call to action),
  BankProductCategoryTile (catalogue grid), BankEligibilityResultCard
  (soft-search outcome with a no-credit-impact reassurance),
  BankOfferSummaryCard (firm or indicative offer with the regulatory
  representative example), BankRatioGauge (LTV / DTI / LTI affordability
  bands), BankDisclosureConsentSheet (pre-contract disclosures and
  no-dark-pattern consents), and BankESignaturePad (typed or drawn,
  timestamped signature). Every visual decision is an optional constructor
  parameter defaulting to the active theme.
• Headless BankApplicationController: a seven-step application state
  machine (eligibility, customise, offer, documents, disclosures, sign,
  decision) with validity and completion tracking, exported from core.dart.
• A flagship reference app ("Meridian") in the example, composed entirely
  from kit widgets: product catalogue, product detail with a
  conventional/Shariah toggle, the end-to-end Auto Finance application, and a
  servicing view. Run it with flutter run -t lib/flagship_main.dart.
• A consolidated banking-products reference in
  doc/research/banking-products.md.

Fixed

• BankEligibilityResultCard's primary action now sets its label colour
  explicitly so the call to action stays legible under every preset.

Adds a product-origination surface and a complete reference app.

Added

• Products & applications module (lib/src/products/): BankProductCard (rate hero, feature list, badges, dual call to action), BankProductCategoryTile (catalogue grid), BankEligibilityResultCard (soft-search outcome with a no-credit-impact reassurance), BankOfferSummaryCard (firm or indicative offer with the regulatory representative example), BankRatioGauge (LTV / DTI / LTI affordability bands), BankDisclosureConsentSheet (pre-contract disclosures and no-dark-pattern consents), and BankESignaturePad (typed or drawn, timestamped signature). Every visual decision is an optional constructor parameter defaulting to the active theme.
• Headless BankApplicationController: a seven-step application state machine (eligibility, customise, offer, documents, disclosures, sign, decision) with validity and completion tracking, exported from core.dart.
• A reference app ("Meridian") in the example, composed entirely from kit widgets: product catalogue, product detail with a conventional/Shariah toggle, the end-to-end Auto Finance application, and a servicing view. Run it with flutter run -t lib/flagship_main.dart.
• A consolidated banking-products reference in doc/research/banking-products.md.

Fixed

• BankEligibilityResultCard's primary action now sets its label colour explicitly so the call to action stays legible under every preset.

Maintenance release: clears the pub.dev analysis findings for a clean score.

Changed

• Upgraded fl_chart to ^1.2.0 and qr to ^4.0.0 (both now on their
  latest majors). The QR view adopts the qr 4.x QrPayload API.
• Raised the Flutter floor to >=3.44.0 and migrated every deprecated
  API to its current replacement: Switch activeColor to
  activeThumbColor, SemanticsService.announce to sendAnnouncement,
  SizeTransition.axisAlignment to alignment, Matrix4.scale to
  scaleByDouble, and DropdownButtonFormField.value to initialValue.

No public API changes; widgets render and behave exactly as before.

Maintenance release: clears the pub.dev analysis findings for a clean score.

Changed

• Upgraded fl_chart to ^1.2.0 and qr to ^4.0.0 (both now on their latest majors). The QR view adopts the qr 4.x QrPayload API.
• Raised the Flutter floor to >=3.44.0 and migrated every deprecated API to its current replacement: Switch activeColor to activeThumbColor, SemanticsService.announce to sendAnnouncement, SizeTransition.axisAlignment to alignment, Matrix4.scale to scaleByDouble, and DropdownButtonFormField.value to initialValue.

No public API changes; widgets render and behave exactly as before.

Initial public release: 140+ composable banking widgets across 22 domains, four built-in design languages, and one theming engine.

Components

• Accounts and balances, cards (virtual, physical, disposable, family), transactions, transfers and payments, savings and goals, social and joint accounts, investing, credit and lending, rewards, Islamic banking, onboarding and KYC, business banking, insights, notifications, support, and app gate and degraded states (maintenance, offline, force update, device and network security blocks, waiting room).
• Currency engine: 50+ currencies with correct symbols, minor units (3-decimal Gulf currencies, 0-decimal JPY and KRW, crypto precision), symbol placement, and bidi-isolated right-to-left symbols.
• Hijri (Umm al-Qura) calendar support with dual-calendar formatting.

Theming and design

• Four presets: Studio (default), Voltage, Bloom, and Heritage (Islamic-banking ready), each in light and dark.
• Custom theming: BankThemeData.custom() (only primary and brightness required) and the ThemeData.withBankTheme() extension.
• Every widget's colours, shapes, depth, text styles, icons, strings, and animation timing are overridable through optional constructor parameters that default to the theme.

Cross-cutting

• Privacy mode: BankBalanceText and every money surface mask through BankUiScope, verified by a mask-proof test across the render and semantics trees.
• First-class RTL across all widgets, with Western and Eastern Arabic-Indic numerals via NumeralStyle.
• BankUiStrings localization escape hatch; no gen-l10n dependency.
• Lossless Decimal-backed Money type; no double touches an amount.
• Headless flow controllers (BankKycFlowController, BankTransferFlowController, BankIncomeSorterController) that never touch the network.

Quality

• flutter analyze clean on the package and the example app.
• Unit and widget tests across presets, both brightnesses, and RTL.
• Semantics on every control and 44 px minimum touch targets.
• Interactive component gallery and a full demo dashboard in example/.