diff --git a/web/src/App.tsx b/web/src/App.tsx
index 7f2f6e99..e31eaa51 100644
--- a/web/src/App.tsx
+++ b/web/src/App.tsx
@@ -64,6 +64,8 @@ const ForumTopic = lazy(() => import('@/pages/ForumTopic'));
 const Telemetry = lazy(() => import('@/pages/Telemetry'));
 const Subdomains = lazy(() => import('@/pages/Subdomains'));
 const Messaging = lazy(() => import('@/pages/Messaging'));
+const TaxZekatPage = lazy(() => import('@/pages/finance/TaxZekatPage'));
+const BankPage = lazy(() => import('@/pages/finance/BankPage'));
 
 // Network pages
 const Mainnet = lazy(() => import('@/pages/networks/Mainnet'));
@@ -226,6 +228,8 @@ function App() {
                                   <DEXDashboard />
                                 </ProtectedRoute>
                               } />
+                              <Route path="/finance/zekat" element={<TaxZekatPage />} />
+                              <Route path="/finance/bank" element={<BankPage />} />
                               <Route path="/presale" element={<Presale />} />
                               <Route path="/launchpad" element={<PresaleList />} />
                               <Route path="/launchpad/:id" element={<PresaleDetail />} />
diff --git a/web/src/components/MobileHomeLayout.tsx b/web/src/components/MobileHomeLayout.tsx
index d58a03f7..6d085c67 100644
--- a/web/src/components/MobileHomeLayout.tsx
+++ b/web/src/components/MobileHomeLayout.tsx
@@ -53,11 +53,11 @@ const APP_SECTIONS: AppSection[] = [
     borderColor: 'border-l-green-500',
     apps: [
       { title: 'mobile.app.wallet', icon: '👛', route: '/wallet' },
-      { title: 'mobile.app.bank', icon: '🏦', route: '/wallet', comingSoon: true },
+      { title: 'mobile.app.bank', icon: '🏦', route: '/finance/bank' },
       { title: 'mobile.app.exchange', icon: '💱', route: '/dex', requiresAuth: true },
       { title: 'mobile.app.p2p', icon: '🤝', route: '/p2p', requiresAuth: true },
       { title: 'mobile.app.b2b', icon: '🤖', route: '/bereketli', requiresAuth: true },
-      { title: 'mobile.app.bacZekat', icon: '💰', route: '/wallet', comingSoon: true },
+      { title: 'mobile.app.bacZekat', icon: '💰', route: '/finance/zekat' },
       { title: 'mobile.app.launchpad', icon: '🚀', route: '/launchpad' },
     ],
   },
diff --git a/web/src/pages/finance/BankPage.tsx b/web/src/pages/finance/BankPage.tsx
new file mode 100644
index 00000000..58f4ff95
--- /dev/null
+++ b/web/src/pages/finance/BankPage.tsx
@@ -0,0 +1,218 @@
+import { useState } from 'react';
+import { useNavigate } from 'react-router-dom';
+
+interface SavingsAccount {
+  id: string;
+  nameKu: string;
+  name: string;
+  apy: string;
+  minDeposit: string;
+  lockPeriod: string;
+  totalDeposited: string;
+  emoji: string;
+}
+
+interface LendingPool {
+  id: string;
+  nameKu: string;
+  name: string;
+  borrowRate: string;
+  collateralRatio: string;
+  available: string;
+  emoji: string;
+}
+
+const SAVINGS: SavingsAccount[] = [
+  { id: 's1', emoji: '🌱', nameKu: 'Teserûfa Destpêk',  name: 'Starter Savings', apy: '4.5%',  minDeposit: '100 HEZ',    lockPeriod: 'Tune / None',        totalDeposited: '125,430 HEZ' },
+  { id: 's2', emoji: '🌿', nameKu: 'Teserûfa Navîn',    name: 'Growth Savings',  apy: '8.2%',  minDeposit: '1,000 HEZ',  lockPeriod: '90 roj / days',      totalDeposited: '892,100 HEZ' },
+  { id: 's3', emoji: '🌳', nameKu: 'Teserûfa Zêrîn',   name: 'Gold Savings',    apy: '12.0%', minDeposit: '10,000 HEZ', lockPeriod: '365 roj / days',     totalDeposited: '2,340,000 HEZ' },
+];
+
+const LENDING: LendingPool[] = [
+  { id: 'l1', emoji: '💳', nameKu: 'Deyna Bilez',      name: 'Flash Loan',     borrowRate: '0.1%', collateralRatio: 'Tune / None', available: '50,000 HEZ' },
+  { id: 'l2', emoji: '🏠', nameKu: 'Deyna Kesane',     name: 'Personal Loan',  borrowRate: '5.5%', collateralRatio: '150%',        available: '200,000 HEZ' },
+  { id: 'l3', emoji: '🏢', nameKu: 'Deyna Karsaziyê', name: 'Business Loan',  borrowRate: '3.8%', collateralRatio: '200%',        available: '500,000 HEZ' },
+];
+
+const TREASURY_ALLOCATIONS = [
+  { label: 'Perwerde / Education',    pct: '25%', color: '#00A94F' },
+  { label: 'Teknolojî / Technology',  pct: '30%', color: '#2196F3' },
+  { label: 'Ewlehî / Security',       pct: '15%', color: '#EE2A35' },
+  { label: 'Civak / Community',       pct: '20%', color: '#9C27B0' },
+  { label: 'Pareztî / Reserve',       pct: '10%', color: '#FFD700' },
+];
+
+type Tab = 'savings' | 'lending' | 'treasury';
+
+export default function BankPage() {
+  const navigate = useNavigate();
+  const [activeTab, setActiveTab] = useState<Tab>('savings');
+
+  const tabs: { key: Tab; label: string }[] = [
+    { key: 'savings',  label: 'Teserûf' },
+    { key: 'lending',  label: 'Deyn' },
+    { key: 'treasury', label: 'Xezîne' },
+  ];
+
+  return (
+    <div className="min-h-screen bg-gray-950 text-white">
+      {/* Header */}
+      <div className="bg-green-700 px-4 pt-4 pb-6">
+        <div className="flex items-center gap-3 mb-4">
+          <button onClick={() => navigate(-1)} className="text-white/80 hover:text-white text-xl leading-none">←</button>
+          <span className="text-sm text-white/70">Finance</span>
+        </div>
+        <div className="text-center">
+          <span className="text-5xl block mb-2">🏦</span>
+          <h1 className="text-2xl font-bold text-white">Banka Dijîtal</h1>
+          <p className="text-white/70 text-sm mt-0.5">Digital Bank of Kurdistan</p>
+        </div>
+        <div className="mt-4 bg-white/10 rounded-2xl p-4 text-center">
+          <p className="text-white/60 text-xs">Bihaya Giştî / Total Value</p>
+          <p className="text-3xl font-bold text-white mt-1">24,580.00 HEZ</p>
+          <p className="text-yellow-400 text-sm mt-0.5">~ $1,229.00</p>
+        </div>
+      </div>
+
+      {/* Tabs */}
+      <div className="px-4 pt-4">
+        <div className="flex bg-gray-900 rounded-xl p-1">
+          {tabs.map(tab => (
+            <button
+              key={tab.key}
+              onClick={() => setActiveTab(tab.key)}
+              className={`flex-1 py-2.5 rounded-lg text-sm font-semibold transition-all ${
+                activeTab === tab.key
+                  ? 'bg-green-600 text-white'
+                  : 'text-gray-400 hover:text-gray-300'
+              }`}
+            >
+              {tab.label}
+            </button>
+          ))}
+        </div>
+      </div>
+
+      {/* Content */}
+      <div className="px-4 py-4 space-y-3">
+
+        {/* Savings */}
+        {activeTab === 'savings' && (
+          <>
+            <div className="mb-1">
+              <h2 className="font-bold text-white text-base">Hesabên Teserûfê / Savings Accounts</h2>
+              <p className="text-xs text-gray-400 mt-0.5">
+                Tokenên xwe stake bikin û xelatên salane bistînin. · Stake your tokens and earn annual rewards.
+              </p>
+            </div>
+            {SAVINGS.map(account => (
+              <div key={account.id} className="bg-gray-900 rounded-xl p-4">
+                <div className="flex items-center gap-3 mb-3">
+                  <span className="text-3xl">{account.emoji}</span>
+                  <div className="flex-1">
+                    <p className="font-bold text-white">{account.nameKu}</p>
+                    <p className="text-xs text-gray-400">{account.name}</p>
+                  </div>
+                  <div className="bg-green-900/50 px-3 py-1 rounded-full">
+                    <span className="text-green-400 text-sm font-bold">{account.apy} APY</span>
+                  </div>
+                </div>
+                <div className="grid grid-cols-3 gap-2 bg-gray-800 rounded-xl p-3 mb-3">
+                  <div className="text-center">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Kêmtirîn / Min</p>
+                    <p className="text-xs font-semibold text-gray-300">{account.minDeposit}</p>
+                  </div>
+                  <div className="text-center border-x border-gray-700">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Kilîtkirin / Lock</p>
+                    <p className="text-xs font-semibold text-gray-300">{account.lockPeriod}</p>
+                  </div>
+                  <div className="text-center">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Giştî / Total</p>
+                    <p className="text-xs font-semibold text-gray-300">{account.totalDeposited}</p>
+                  </div>
+                </div>
+                <button className="w-full py-2.5 bg-green-600 hover:bg-green-500 rounded-xl text-white font-semibold text-sm transition-colors">
+                  Depo bike / Deposit
+                </button>
+              </div>
+            ))}
+          </>
+        )}
+
+        {/* Lending */}
+        {activeTab === 'lending' && (
+          <>
+            <div className="mb-1">
+              <h2 className="font-bold text-white text-base">Hovzên Deyndanê / Lending Pools</h2>
+              <p className="text-xs text-gray-400 mt-0.5">
+                Bi rêya peymana zîrek deyn bistînin. · Borrow through smart contracts with collateral.
+              </p>
+            </div>
+            {LENDING.map(pool => (
+              <div key={pool.id} className="bg-gray-900 rounded-xl p-4">
+                <div className="flex items-center gap-3 mb-3">
+                  <span className="text-3xl">{pool.emoji}</span>
+                  <div className="flex-1">
+                    <p className="font-bold text-white">{pool.nameKu}</p>
+                    <p className="text-xs text-gray-400">{pool.name}</p>
+                  </div>
+                  <div className="bg-blue-900/50 px-3 py-1 rounded-full">
+                    <span className="text-blue-400 text-sm font-bold">{pool.borrowRate}</span>
+                  </div>
+                </div>
+                <div className="grid grid-cols-3 gap-2 bg-gray-800 rounded-xl p-3 mb-3">
+                  <div className="text-center">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Rêje / Rate</p>
+                    <p className="text-xs font-semibold text-gray-300">{pool.borrowRate}</p>
+                  </div>
+                  <div className="text-center border-x border-gray-700">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Garantî / Collateral</p>
+                    <p className="text-xs font-semibold text-gray-300">{pool.collateralRatio}</p>
+                  </div>
+                  <div className="text-center">
+                    <p className="text-[10px] text-gray-500 mb-0.5">Peyda / Available</p>
+                    <p className="text-xs font-semibold text-gray-300">{pool.available}</p>
+                  </div>
+                </div>
+                <button className="w-full py-2.5 bg-blue-600 hover:bg-blue-500 rounded-xl text-white font-semibold text-sm transition-colors">
+                  Deyn bistîne / Borrow
+                </button>
+              </div>
+            ))}
+          </>
+        )}
+
+        {/* Treasury */}
+        {activeTab === 'treasury' && (
+          <>
+            <div className="mb-1">
+              <h2 className="font-bold text-white text-base">Xezîneya Civakê / Community Treasury</h2>
+              <p className="text-xs text-gray-400 mt-0.5">
+                Xezîneya giştî ya Komara Dijîtal a Kurdistanê. · The public treasury of the Digital Kurdistan Republic.
+              </p>
+            </div>
+            <div className="bg-gray-900 rounded-xl p-6 text-center">
+              <p className="text-xs text-gray-400">Bihaya Xezîneyê / Treasury Balance</p>
+              <p className="text-3xl font-bold text-green-400 mt-2">12,450,000 HEZ</p>
+              <p className="text-gray-400 text-sm mt-1">~ $622,500</p>
+            </div>
+            <div className="bg-gray-900 rounded-xl p-4">
+              <p className="font-bold text-white mb-3">Dabeşkirin / Allocation</p>
+              <div className="space-y-3">
+                {TREASURY_ALLOCATIONS.map((item, i) => (
+                  <div key={i} className="flex items-center gap-3">
+                    <div className="w-3 h-3 rounded-full flex-shrink-0" style={{ backgroundColor: item.color }} />
+                    <span className="flex-1 text-sm text-gray-300">{item.label}</span>
+                    <span className="font-bold text-white text-sm">{item.pct}</span>
+                  </div>
+                ))}
+              </div>
+            </div>
+          </>
+        )}
+      </div>
+
+      <div className="h-10" />
+    </div>
+  );
+}
diff --git a/web/src/pages/finance/TaxZekatPage.tsx b/web/src/pages/finance/TaxZekatPage.tsx
new file mode 100644
index 00000000..c4e58fcf
--- /dev/null
+++ b/web/src/pages/finance/TaxZekatPage.tsx
@@ -0,0 +1,323 @@
+import { useState, useMemo } from 'react';
+import { useNavigate } from 'react-router-dom';
+import { usePezkuwi } from '@/contexts/PezkuwiContext';
+
+type ContributionType = 'zekat' | 'tax';
+
+interface AllocationItem {
+  id: string;
+  nameKu: string;
+  nameEn: string;
+  icon: string;
+  percentage: number;
+}
+
+const DEFAULT_ALLOCATIONS: AllocationItem[] = [
+  { id: 'shahid',         nameKu: 'Binemalin Şehîda',    nameEn: 'Martyr Families',    icon: '🏠', percentage: 0 },
+  { id: 'education',      nameKu: 'Projeyin Perwerde',    nameEn: 'Education Projects', icon: '📚', percentage: 0 },
+  { id: 'health',         nameKu: 'Tenduristî',           nameEn: 'Health Services',    icon: '🏥', percentage: 0 },
+  { id: 'orphans',        nameKu: 'Sêwî û Feqîr',        nameEn: 'Orphans & Poor',     icon: '👶', percentage: 0 },
+  { id: 'infrastructure', nameKu: 'Binesazî',             nameEn: 'Infrastructure',     icon: '🏗️', percentage: 0 },
+  { id: 'defense',        nameKu: 'Parastina Welat',      nameEn: 'National Defense',   icon: '🛡️', percentage: 0 },
+  { id: 'diaspora',       nameKu: 'Diaspora',             nameEn: 'Diaspora Support',   icon: '🌍', percentage: 0 },
+  { id: 'culture',        nameKu: 'Çand û Huner',         nameEn: 'Culture & Arts',     icon: '🎭', percentage: 0 },
+];
+
+export default function TaxZekatPage() {
+  const navigate = useNavigate();
+  const { api, selectedAccount, getKeyPair } = usePezkuwi();
+
+  const [contributionType, setContributionType] = useState<ContributionType>('zekat');
+  const [amount, setAmount] = useState('');
+  const [allocations, setAllocations] = useState<AllocationItem[]>(DEFAULT_ALLOCATIONS);
+  const [termsAccepted, setTermsAccepted] = useState(false);
+  const [isSubmitting, setIsSubmitting] = useState(false);
+  const [showConfirm, setShowConfirm] = useState(false);
+  const [result, setResult] = useState<{ ok: boolean; msg: string } | null>(null);
+
+  const totalPercentage = useMemo(() =>
+    allocations.reduce((sum, a) => sum + a.percentage, 0), [allocations]);
+
+  const isFormValid = useMemo(() => {
+    const n = parseFloat(amount);
+    return n > 0 && totalPercentage === 100 && termsAccepted && !!selectedAccount;
+  }, [amount, totalPercentage, termsAccepted, selectedAccount]);
+
+  const updateAllocation = (id: string, value: string) => {
+    const n = Math.min(100, Math.max(0, parseInt(value) || 0));
+    setAllocations(prev => prev.map(a => a.id === id ? { ...a, percentage: n } : a));
+  };
+
+  const calcAmount = (pct: number) =>
+    ((parseFloat(amount) || 0) * pct / 100).toFixed(2);
+
+  const confirmAndSend = async () => {
+    setShowConfirm(false);
+    setIsSubmitting(true);
+    setResult(null);
+    try {
+      if (!api || !selectedAccount) throw new Error('Wallet not connected');
+      const keyPair = await getKeyPair(selectedAccount.address);
+      if (!keyPair) throw new Error('Could not retrieve key pair');
+
+      const allocationData = allocations
+        .filter(a => a.percentage > 0)
+        .map(a => `${a.id}:${a.percentage}`)
+        .join(',');
+
+      const remarkMessage = JSON.stringify({
+        type: contributionType,
+        allocations: allocationData,
+        timestamp: Date.now(),
+      });
+
+      const amountInUnits = BigInt(Math.floor(parseFloat(amount) * 1e12));
+
+      const treasuryOpt = await api.query.pezTreasury.governmentPotAccountId();
+      if (!treasuryOpt || (treasuryOpt as { isEmpty?: boolean }).isEmpty) {
+        throw new Error('Government treasury account not found');
+      }
+      const treasuryAccount = treasuryOpt.toString();
+
+      const txs = [
+        api.tx.balances.transferKeepAlive(treasuryAccount, amountInUnits.toString()),
+        api.tx.system.remark(remarkMessage),
+      ];
+
+      await new Promise<void>((resolve, reject) => {
+        api.tx.utility
+          .batch(txs)
+          .signAndSend(keyPair, { nonce: -1 }, ({ status, dispatchError }: { status: { isInBlock?: boolean; isFinalized?: boolean }; dispatchError?: unknown }) => {
+            if (status.isInBlock || status.isFinalized) {
+              if (dispatchError) { reject(new Error('Transaction failed')); return; }
+              resolve();
+            }
+          })
+          .catch(reject);
+      });
+
+      setResult({ ok: true, msg: `${amount} HEZ başarıyla gönderildi. Spas!` });
+      setAmount('');
+      setAllocations(DEFAULT_ALLOCATIONS);
+      setTermsAccepted(false);
+    } catch (e) {
+      setResult({ ok: false, msg: e instanceof Error ? e.message : 'An error occurred' });
+    } finally {
+      setIsSubmitting(false);
+    }
+  };
+
+  const isZekat = contributionType === 'zekat';
+  const accentColor = isZekat ? '#00A94F' : '#D4A017';
+
+  return (
+    <div className="min-h-screen bg-gray-950 text-white">
+      {/* Header */}
+      <div className="px-4 pt-4 pb-3 flex items-center gap-3" style={{ backgroundColor: accentColor }}>
+        <button onClick={() => navigate(-1)} className="text-white/80 hover:text-white text-xl leading-none">←</button>
+        <div>
+          <h1 className="font-bold text-lg">
+            {isZekat ? '🤲 Zekat' : '📜 Bac / Tax'}
+          </h1>
+          <p className="text-white/70 text-xs">Komara Dijîtal a Kurdistanê</p>
+        </div>
+      </div>
+
+      <div className="max-w-lg mx-auto px-4 py-4 space-y-4">
+
+        {/* Result banner */}
+        {result && (
+          <div className={`rounded-xl p-4 text-sm font-medium ${result.ok ? 'bg-green-900/60 text-green-300 border border-green-700' : 'bg-red-900/60 text-red-300 border border-red-700'}`}>
+            {result.ok ? '✅' : '❌'} {result.msg}
+          </div>
+        )}
+
+        {/* Description */}
+        <div className="bg-gray-900 rounded-xl p-4 border-l-4" style={{ borderColor: accentColor }}>
+          <p className="text-sm text-gray-200 leading-relaxed">
+            Beşdariya xwe ya bi dilxwazî ji Komara Dijîtaliya Kurdistanê re bişînin.
+          </p>
+          <p className="text-xs text-gray-400 mt-1 italic">
+            Send your voluntary contribution to the Digital Kurdistan Republic.
+          </p>
+        </div>
+
+        {/* Type selector */}
+        <div className="bg-gray-900 rounded-xl p-4">
+          <p className="text-sm font-bold text-gray-300 mb-3">Cureyê Beşdariyê / Contribution Type</p>
+          <div className="grid grid-cols-2 gap-3">
+            {(['zekat', 'tax'] as ContributionType[]).map(type => (
+              <button
+                key={type}
+                onClick={() => setContributionType(type)}
+                className={`rounded-xl p-4 text-center border-2 transition-all ${
+                  contributionType === type
+                    ? 'border-current bg-white/5'
+                    : 'border-gray-700 bg-gray-800/50'
+                }`}
+                style={{ borderColor: contributionType === type ? accentColor : undefined }}
+              >
+                <div className="text-3xl mb-1">{type === 'zekat' ? '🤲' : '📜'}</div>
+                <p className="font-bold text-white">{type === 'zekat' ? 'Zekat' : 'Bac'}</p>
+                <p className="text-xs text-gray-400">{type === 'zekat' ? 'Islamic Zekat' : 'Vergi / Tax'}</p>
+              </button>
+            ))}
+          </div>
+        </div>
+
+        {/* Amount */}
+        <div className="bg-gray-900 rounded-xl p-4">
+          <p className="text-sm font-bold text-gray-300 mb-3">Miqdar / Amount</p>
+          <div className="flex items-center bg-gray-800 rounded-xl border border-gray-700 overflow-hidden">
+            <input
+              type="number"
+              value={amount}
+              onChange={e => setAmount(e.target.value)}
+              placeholder="0.00"
+              className="flex-1 bg-transparent px-4 py-3 text-2xl font-semibold text-white outline-none"
+            />
+            <span className="pr-4 text-lg font-bold" style={{ color: accentColor }}>HEZ</span>
+          </div>
+          {!selectedAccount && (
+            <p className="text-xs text-amber-400 mt-2">⚠️ Cüzdan bağlı değil / Wallet not connected</p>
+          )}
+        </div>
+
+        {/* Allocation */}
+        <div className="bg-gray-900 rounded-xl p-4">
+          <div className="flex items-center justify-between mb-1">
+            <p className="text-sm font-bold text-gray-300">Dabeşkirina Fonê / Fund Allocation</p>
+            <span className={`px-2 py-0.5 rounded-full text-xs font-bold ${
+              totalPercentage === 100 ? 'bg-green-900 text-green-400' :
+              totalPercentage > 100 ? 'bg-red-900 text-red-400' : 'bg-gray-800 text-gray-400'
+            }`}>
+              {totalPercentage}%
+            </span>
+          </div>
+          <p className="text-xs text-gray-500 mb-3">Divê bêkêmasî %100 be / Must equal exactly 100%</p>
+
+          <div className="space-y-2">
+            {allocations.map(item => (
+              <div key={item.id} className="flex items-center gap-3 bg-gray-800 rounded-lg px-3 py-2.5">
+                <span className="text-xl">{item.icon}</span>
+                <div className="flex-1 min-w-0">
+                  <p className="text-sm font-medium text-white truncate">{item.nameKu}</p>
+                  <p className="text-xs text-gray-500">{item.nameEn}</p>
+                </div>
+                <div className="flex items-center gap-1 bg-gray-700 rounded-lg px-2">
+                  <input
+                    type="number"
+                    value={item.percentage > 0 ? item.percentage : ''}
+                    onChange={e => updateAllocation(item.id, e.target.value)}
+                    placeholder="0"
+                    className="w-10 bg-transparent text-center text-sm font-bold text-white outline-none py-1"
+                    min={0}
+                    max={100}
+                  />
+                  <span className="text-gray-400 text-xs">%</span>
+                </div>
+                {item.percentage > 0 && parseFloat(amount) > 0 && (
+                  <span className="text-xs font-semibold min-w-[52px] text-right" style={{ color: accentColor }}>
+                    {calcAmount(item.percentage)} HEZ
+                  </span>
+                )}
+              </div>
+            ))}
+          </div>
+        </div>
+
+        {/* Terms */}
+        <div className="bg-gray-900 rounded-xl p-4 border border-gray-800"
+          style={{ borderColor: isZekat ? '#00A94F30' : '#D4A01730' }}>
+          <div className="text-center mb-3">
+            <span className="text-4xl">{isZekat ? '🤲' : '📜'}</span>
+            <p className="font-bold text-white mt-2">SOZNAME / COMMITMENT</p>
+          </div>
+          {isZekat ? (
+            <p className="text-xs text-gray-400 leading-relaxed">
+              Komara Dîjîtal a Kurdistanê SOZ DIDE ku zekata we BI TEMAMÎ li gorî rêjeyên ku we destnîşan kirine dê bê xerckirin, li gorî rêgez û qaîdeyên Îslamî.
+              <br /><br />
+              <span className="text-gray-500">The Digital Republic of Kurdistan COMMITS to spending your zekat EXACTLY according to the ratios you specify, in accordance with Islamic principles.</span>
+            </p>
+          ) : (
+            <p className="text-xs text-gray-400 leading-relaxed">
+              Komara Dîjîtal a Kurdistanê SOZ DIDE ku beşdariyên baca we BI QASÎ KU MIMKUN BE li gorî rêjeyên ku we destnîşan kirine dê bê xerckirin. Hemû lêçûn dê bi şefafî li ser blockchain werin tomar kirin.
+              <br /><br />
+              <span className="text-gray-500">The Digital Republic of Kurdistan COMMITS to using your tax contributions AS CLOSELY AS POSSIBLE according to the ratios you specify. All expenses will be transparently recorded on the blockchain.</span>
+            </p>
+          )}
+
+          <button
+            onClick={() => setTermsAccepted(!termsAccepted)}
+            className="flex items-center gap-3 mt-4 w-full bg-gray-800 rounded-xl p-3"
+          >
+            <div className={`w-6 h-6 rounded-md border-2 flex items-center justify-center flex-shrink-0 transition-colors`}
+              style={{ borderColor: accentColor, backgroundColor: termsAccepted ? accentColor : 'transparent' }}>
+              {termsAccepted && <span className="text-white text-xs font-bold">✓</span>}
+            </div>
+            <span className="text-sm text-gray-300 text-left">Min xwend û qebûl dikim / I have read and accept</span>
+          </button>
+        </div>
+
+        {/* Submit */}
+        <button
+          onClick={() => isFormValid && setShowConfirm(true)}
+          disabled={!isFormValid || isSubmitting}
+          className="w-full py-4 rounded-xl font-bold text-lg text-white transition-all disabled:opacity-40"
+          style={{ backgroundColor: accentColor }}
+        >
+          {isSubmitting
+            ? '⏳ Tê şandin...'
+            : isZekat ? '🤲 ZEKAT BIŞÎNE' : '📤 BAC BIŞÎNE'}
+        </button>
+
+        <div className="h-6" />
+      </div>
+
+      {/* Confirm Modal */}
+      {showConfirm && (
+        <div className="fixed inset-0 z-50 bg-black/70 flex items-center justify-center p-4">
+          <div className="bg-gray-900 rounded-2xl p-6 w-full max-w-sm border border-gray-700">
+            <h3 className="text-lg font-bold text-white text-center mb-4">Piştrast bike / Confirm</h3>
+
+            <div className="bg-gray-800 rounded-xl p-4 space-y-2 mb-4 text-sm">
+              <div className="flex justify-between">
+                <span className="text-gray-400">Cure / Type:</span>
+                <span className="text-white font-semibold">{isZekat ? 'Zekat' : 'Bac / Tax'}</span>
+              </div>
+              <div className="flex justify-between">
+                <span className="text-gray-400">Miqdar / Amount:</span>
+                <span className="font-bold" style={{ color: accentColor }}>{amount} HEZ</span>
+              </div>
+              <div className="border-t border-gray-700 pt-2 mt-2">
+                <p className="text-gray-400 text-xs mb-2">Dabeşkirin / Allocation:</p>
+                {allocations.filter(a => a.percentage > 0).map(a => (
+                  <div key={a.id} className="flex justify-between text-xs py-0.5">
+                    <span className="text-gray-300">{a.icon} {a.nameKu}</span>
+                    <span className="text-white font-medium">{calcAmount(a.percentage)} HEZ ({a.percentage}%)</span>
+                  </div>
+                ))}
+              </div>
+            </div>
+
+            <div className="grid grid-cols-2 gap-3">
+              <button
+                onClick={() => setShowConfirm(false)}
+                className="py-3 rounded-xl bg-gray-800 text-gray-300 font-semibold"
+              >
+                Betal / Cancel
+              </button>
+              <button
+                onClick={confirmAndSend}
+                className="py-3 rounded-xl text-white font-bold"
+                style={{ backgroundColor: accentColor }}
+              >
+                ✓ Piştrast
+              </button>
+            </div>
+          </div>
+        </div>
+      )}
+    </div>
+  );
+}