TELSPAY MEMBER APPLICATION v2026.5.0
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Release contents
- Includes the v2026.4.4 Uganda data-protection consent bind_param() hotfix.
- Step-by-step first-login Transaction PIN creation/change.
- Step-by-step Mobile Money deposit with review, PIN popup, slide confirmation,
  banking loader, Flutterwave checkout and Savings/Share crediting.
- Receipt-backed bank deposit with secure OCR, review, PIN popup and slide.
- Four-step loan application with disclosure checkbox, PIN popup, slide,
  signed idempotent authorization, pending status 1 and guarantor approval state.
- Guarantor email/SMS/Firebase invitations with QR and barcode authenticity.
- Member/admin emails for bank deposits, Flutterwave deposits, internal transfers,
  loan applications, guarantor decisions and loan repayments.
- Administrator-only member feedback page.
- Normal-order PIN keypad and browser autocomplete disabled in upgraded flows.
- ltrans_date retained as the member loan-list repayment notification date.

Read deployment/DEPLOYMENT_GUIDE_2026_5_0.txt before installing.
The completed private telspay_secure.php is intentionally not in this ZIP.
Use deployment/telspay_secure.example.php.txt as the administrator template.
Existing member-uploaded photos/documents are also intentionally excluded;
preserve the server uploads directory when deploying this release over it.
