diff --git a/app/(auth)/register.tsx b/app/(auth)/register.tsx
index 4eaa835..5251bde 100644
--- a/app/(auth)/register.tsx
+++ b/app/(auth)/register.tsx
@@ -17,9 +17,11 @@ import { Input } from '../../components/shared/Input';
 import { useUserStore } from '../../stores/user.store';
 import { useAuthStore } from '../../stores/auth.store';
 import { useWalletStore } from '../../stores/wallet.store';
+import { useTranslation } from '../../hooks/useTranslation';
 import type { LearnerProfile } from '../../types/user.types';
 
 export default function RegisterScreen() {
+  const { t } = useTranslation();
   const router = useRouter();
   const role = useUserStore((s) => s.role);
   const setProfile = useUserStore((s) => s.setProfile);
@@ -112,10 +114,10 @@ export default function RegisterScreen() {
             {/* Headers */}
             <View className="mb-6">
               <Text className="text-[32px] font-bold mb-2" style={{ color: colors.textPrimary }}>
-                Tell us about yourself
+                {t('auth.register.title')}
               </Text>
               <Text className="text-[16px]" style={{ color: colors.textSecondary }}>
-                This helps us match you with the right {isLearner ? 'sponsors' : 'learners'}.
+                {t('auth.register.subtitleMatch', { role: isLearner ? t('auth.register.sponsors') : t('auth.register.learners') })}
               </Text>
             </View>
 
@@ -131,15 +133,15 @@ export default function RegisterScreen() {
                 </TouchableOpacity>
                 <TouchableOpacity activeOpacity={0.7}>
                   <Text className="text-[14px] font-semibold" style={{ color: colors.primary }}>
-                    Change Photo
+                    {t('auth.register.changePhoto')}
                   </Text>
                 </TouchableOpacity>
               </View>
 
               {/* Common field */}
               <Input
-                label="Display Name"
-                placeholder="e.g. AlexLearnsWeb3"
+                label={t('auth.register.displayName')}
+                placeholder={t('auth.register.displayNamePlaceholder')}
                 value={displayName}
                 onChangeText={setDisplayName}
                 autoCapitalize="words"
@@ -149,20 +151,20 @@ export default function RegisterScreen() {
               {isLearner ? (
                 <>
                   <Input
-                    label="School/Institution"
-                    placeholder="e.g. University of Blockchain"
+                    label={t('auth.register.school')}
+                    placeholder={t('auth.register.schoolPlaceholder')}
                     value={school}
                     onChangeText={setSchool}
                   />
                   <Input
-                    label="Program/Course"
-                    placeholder="e.g. Smart Contract Development"
+                    label={t('auth.register.program')}
+                    placeholder={t('auth.register.programPlaceholder')}
                     value={program}
                     onChangeText={setProgram}
                   />
                   <Input
-                    label="Income Type (optional)"
-                    placeholder="e.g. Stipend, Freelance, Part-time"
+                    label={t('auth.register.incomeType')}
+                    placeholder={t('auth.register.incomeTypePlaceholder')}
                     value={incomeType}
                     onChangeText={setIncomeType}
                   />
@@ -170,14 +172,14 @@ export default function RegisterScreen() {
               ) : (
                 <>
                   <Input
-                    label="Organization"
-                    placeholder="e.g. Stellar Development Foundation"
+                    label={t('auth.register.organization')}
+                    placeholder={t('auth.register.organizationPlaceholder')}
                     value={organization}
                     onChangeText={setOrganization}
                   />
                   <Input
-                    label="Investment Focus (optional)"
-                    placeholder="e.g. Education, Dev tools, Africa"
+                    label={t('auth.register.investmentFocus')}
+                    placeholder={t('auth.register.investmentFocusPlaceholder')}
                     value={investmentFocus}
                     onChangeText={setInvestmentFocus}
                   />
@@ -187,7 +189,7 @@ export default function RegisterScreen() {
               {/* Wallet address display */}
               <View className="gap-1 mt-2">
                 <Text className="text-[14px]" style={{ color: colors.textSecondary }}>
-                  Wallet address
+                  {t('auth.register.walletAddress')}
                 </Text>
                 <View
                   className="h-12 rounded-xl px-4 justify-center"
@@ -204,7 +206,7 @@ export default function RegisterScreen() {
                   >
                     {publicKey
                       ? `${publicKey.slice(0, 8)}...${publicKey.slice(-8)}`
-                      : 'Not connected'}
+                      : t('auth.register.notConnected')}
                   </Text>
                 </View>
               </View>
@@ -230,7 +232,7 @@ export default function RegisterScreen() {
               disabled={!isValid || isSubmitting}
             >
               <Text className="text-[14px] font-bold" style={{ color: colors.background }}>
-                {isSubmitting ? 'Saving...' : 'Continue'}
+                {isSubmitting ? t('auth.register.saving') : t('auth.register.continue')}
               </Text>
             </TouchableOpacity>
           </View>
diff --git a/app/(auth)/role-select.tsx b/app/(auth)/role-select.tsx
index 07ac030..a1add8e 100644
--- a/app/(auth)/role-select.tsx
+++ b/app/(auth)/role-select.tsx
@@ -5,6 +5,7 @@ import { useRouter } from 'expo-router';
 import { GraduationCap, TrendingUp, ChevronRight, ChevronLeft } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
 import { useUserStore } from '../../stores/user.store';
+import { useTranslation } from '../../hooks/useTranslation';
 import type { UserRole } from '../../types/user.types';
 
 interface RolePillProps {
@@ -99,6 +100,7 @@ function RoleCard({
 }
 
 export default function RoleSelectScreen() {
+  const { t } = useTranslation();
   const router = useRouter();
   const setRole = useUserStore((s) => s.setRole);
 
@@ -128,13 +130,13 @@ export default function RoleSelectScreen() {
             className="text-[32px] font-bold"
             style={{ color: colors.textPrimary }}
           >
-            How will you use StepFi?
+            {t('auth.roleSelect.title')}
           </Text>
           <Text
             className="text-[16px]"
             style={{ color: colors.textSecondary }}
           >
-            Choose your role. You can switch anytime in settings.
+            {t('auth.roleSelect.subtitle')}
           </Text>
         </View>
 
@@ -142,9 +144,9 @@ export default function RoleSelectScreen() {
         <View className="flex-col gap-3">
           <RoleCard
             role="learner"
-            title="I'm a Learner"
-            subtitle="Finance laptops, courses, and dev tools. Build your reputation with every payment."
-            pills={['Borrow', 'Repay', 'Build Credit']}
+            title={t('auth.roleSelect.learnerTitle')}
+            subtitle={t('auth.roleSelect.learnerSubtitle')}
+            pills={[t('auth.roleSelect.learnerPill1'), t('auth.roleSelect.learnerPill2'), t('auth.roleSelect.learnerPill3')]}
             icon={GraduationCap}
             iconColor={colors.brandBlue}
             iconBg={colors.brandBlueDim}
@@ -154,9 +156,9 @@ export default function RoleSelectScreen() {
 
           <RoleCard
             role="sponsor"
-            title="I'm a Sponsor"
-            subtitle="Fund the learner lending pool. Earn yield while supporting the next generation of developers."
-            pills={['Deposit', 'Earn Yield', 'Support Learners']}
+            title={t('auth.roleSelect.sponsorTitle')}
+            subtitle={t('auth.roleSelect.sponsorSubtitle')}
+            pills={[t('auth.roleSelect.sponsorPill1'), t('auth.roleSelect.sponsorPill2'), t('auth.roleSelect.sponsorPill3')]}
             icon={TrendingUp}
             iconColor={colors.brandGreen}
             iconBg={colors.brandGreenDim}
diff --git a/app/(auth)/sign-in.tsx b/app/(auth)/sign-in.tsx
index 330ce66..f95e564 100644
--- a/app/(auth)/sign-in.tsx
+++ b/app/(auth)/sign-in.tsx
@@ -23,8 +23,8 @@ import {
   ChevronLeft,
 } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
-import { config } from '../../constants/config';
 import { useWalletStore } from '../../stores/wallet.store';
+import { useTranslation } from '../../hooks/useTranslation';
 
 const { width: SCREEN_WIDTH } = Dimensions.get('window');
 const TOTAL_SLIDES = 4;
@@ -90,6 +90,7 @@ interface TierCardProps {
 }
 
 function TierCard({ name, scoreRange, rate, maxCredit, barColor, isHighlighted = false }: TierCardProps) {
+  const { t } = useTranslation();
   return (
     <View
       className="flex-1 rounded-2xl p-4 gap-3"
@@ -118,15 +119,15 @@ function TierCard({ name, scoreRange, rate, maxCredit, barColor, isHighlighted =
       />
       <View className="gap-2">
         <View className="flex-row items-center justify-between">
-          <Text className="text-xs" style={{ color: colors.textMuted }}>Score</Text>
+          <Text className="text-xs" style={{ color: colors.textMuted }}>{t('auth.signIn.score')}</Text>
           <Text className="text-xs font-bold" style={{ color: colors.textPrimary }}>{scoreRange}</Text>
         </View>
         <View className="flex-row items-center justify-between">
-          <Text className="text-xs" style={{ color: colors.textMuted }}>Rate</Text>
+          <Text className="text-xs" style={{ color: colors.textMuted }}>{t('auth.signIn.rate')}</Text>
           <Text className="text-xs font-bold" style={{ color: colors.textPrimary }}>{rate}</Text>
         </View>
         <View className="flex-row items-center justify-between">
-          <Text className="text-xs" style={{ color: colors.textMuted }}>Max</Text>
+          <Text className="text-xs" style={{ color: colors.textMuted }}>{t('auth.signIn.max')}</Text>
           <Text
             className="text-xs font-bold"
             style={{ color: isHighlighted ? barColor : colors.primaryContainer }}
@@ -141,11 +142,13 @@ function TierCard({ name, scoreRange, rate, maxCredit, barColor, isHighlighted =
 
 /* ─── Main Component ─── */
 export default function SignInScreen() {
+  const { t } = useTranslation();
   const router = useRouter();
   const scrollRef = useRef<ScrollView>(null);
   const [activeIndex, setActiveIndex] = useState(0);
   const [isConnecting, setIsConnecting] = useState(false);
   const setConnected = useWalletStore((s) => s.setConnected);
+  const tierNames = t('tierNames', { returnObjects: true }) as string[];
 
   const handleScroll = (event: NativeSyntheticEvent<NativeScrollEvent>) => {
     const offsetX = event.nativeEvent.contentOffset.x;
@@ -203,13 +206,13 @@ export default function SignInScreen() {
         {/* ─── SLIDE 1: Welcome ─── */}
         <View style={{ width: SCREEN_WIDTH }} className="flex-1 px-4 justify-between pb-8 pt-12">
           <View className="flex-col items-center text-center mt-12 gap-3">
-            <Text className="text-[40px] font-bold" style={{ color: colors.primary }}>StepFi</Text>
+            <Text className="text-[40px] font-bold" style={{ color: colors.primary }}>{t('auth.signIn.stepfi')}</Text>
             <View className="mt-6 items-center">
               <Text className="text-[32px] font-bold text-center mb-1" style={{ color: colors.textPrimary }}>
-                Step into your future.
+                {t('auth.signIn.stepIntoFuture')}
               </Text>
               <Text className="text-[18px] text-center" style={{ color: colors.textSecondary }}>
-                Credit without banks. Progress without limits.
+                {t('auth.signIn.creditWithoutBanks')}
               </Text>
             </View>
           </View>
@@ -225,13 +228,13 @@ export default function SignInScreen() {
             <PaginationDots activeIndex={0} onDotPress={goToSlide} />
 
             <TouchableOpacity
-              className="w-full font-bold py-4 rounded-[16px] flex-row items-center justify-center gap-2"
+              className="w-full py-4 rounded-[16px] items-center justify-center flex-row gap-2"
               style={{ backgroundColor: colors.primaryContainer }}
               activeOpacity={0.8}
               onPress={goToNextSlide}
             >
               <Text className="text-[18px] font-bold" style={{ color: colors.background }}>
-                Next
+                {t('common.next')}
               </Text>
               <ArrowRight size={20} color={colors.background} />
             </TouchableOpacity>
@@ -242,7 +245,7 @@ export default function SignInScreen() {
               onPress={handleConnectWallet}
             >
               <Text className="text-[16px]" style={{ color: colors.textSecondary }}>
-                Already have an account? Sign in
+                {t('auth.signIn.alreadyHaveAccount')}
               </Text>
             </TouchableOpacity>
           </View>
@@ -251,12 +254,12 @@ export default function SignInScreen() {
         {/* ─── SLIDE 2: Features ─── */}
         <View style={{ width: SCREEN_WIDTH }} className="flex-1 px-4 justify-between pb-8 pt-12">
           <View className="flex-1 gap-6">
-            <Text
-              className="text-[32px] font-bold text-center leading-10 mt-12"
-              style={{ color: colors.textPrimary }}
-            >
-              Finance what you need.
-            </Text>
+              <Text
+                className="text-[32px] font-bold text-center leading-10 mt-12"
+                style={{ color: colors.textPrimary }}
+              >
+                {t('auth.signIn.financeWhatYouNeed')}
+              </Text>
 
             <View
               className="rounded-2xl p-6 items-center justify-center my-6"
@@ -281,19 +284,19 @@ export default function SignInScreen() {
             <View className="gap-3">
               <FeatureRow
                 icon={Wallet}
-                text="Sign in with your Stellar wallet. No passwords."
+                text={t('auth.signIn.signInWithWallet')}
                 iconColor={colors.brandBlue}
                 iconBg={colors.brandBlueDim}
               />
               <FeatureRow
                 icon={CreditCard}
-                text="Finance laptops, courses, and dev tools."
+                text={t('auth.signIn.financeLaptops')}
                 iconColor={colors.primaryContainer}
                 iconBg={colors.brandGreenDim}
               />
               <FeatureRow
                 icon={TrendingUp}
-                text="Repay in installments. Build your reputation."
+                text={t('auth.signIn.repayInstallments')}
                 iconColor={colors.textMuted}
                 iconBg={colors.subtle}
               />
@@ -309,7 +312,7 @@ export default function SignInScreen() {
               onPress={goToNextSlide}
             >
               <Text className="text-[18px] font-bold" style={{ color: colors.background }}>
-                Next
+                {t('common.next')}
               </Text>
               <ArrowRight size={20} color={colors.background} />
             </TouchableOpacity>
@@ -319,24 +322,24 @@ export default function SignInScreen() {
         {/* ─── SLIDE 3: Reputation Tiers ─── */}
         <View style={{ width: SCREEN_WIDTH }} className="flex-1 px-4 justify-between pb-8 pt-12">
           <View className="flex-1 gap-5">
-            <Text
-              className="text-[32px] font-bold text-center mt-12 mb-6"
-              style={{ color: colors.textPrimary }}
-            >
-              Your score.{'\n'}Your terms.
-            </Text>
+              <Text
+                className="text-[32px] font-bold text-center mt-12 mb-6"
+                style={{ color: colors.textPrimary }}
+              >
+                {t('auth.signIn.yourScoreYourTerms')}
+              </Text>
 
             <View className="gap-3">
               <View className="flex-row gap-3">
                 <TierCard
-                  name="Starter"
+                  name={tierNames[0]}
                   scoreRange="0-59"
                   rate="10%"
                   maxCredit="$1K"
                   barColor={colors.tier.starter}
                 />
                 <TierCard
-                  name="Bronze"
+                  name={tierNames[1]}
                   scoreRange="60-74"
                   rate="8%"
                   maxCredit="$2.5K"
@@ -345,14 +348,14 @@ export default function SignInScreen() {
               </View>
               <View className="flex-row gap-3">
                 <TierCard
-                  name="Silver"
+                  name={tierNames[2]}
                   scoreRange="75-89"
                   rate="6%"
                   maxCredit="$5K"
                   barColor={colors.tier.silver}
                 />
                 <TierCard
-                  name="Gold"
+                  name={tierNames[3]}
                   scoreRange="90-100"
                   rate="4%"
                   maxCredit="$10K"
@@ -366,7 +369,7 @@ export default function SignInScreen() {
               className="text-[14px] text-center mt-6"
               style={{ color: colors.textMuted }}
             >
-              Pay on time. Score goes up. Rates go down.
+              {t('auth.signIn.payOnTime')}
             </Text>
           </View>
 
@@ -379,7 +382,7 @@ export default function SignInScreen() {
               onPress={goToNextSlide}
             >
               <Text className="text-[18px] font-bold" style={{ color: colors.background }}>
-                Next
+                {t('common.next')}
               </Text>
               <ArrowRight size={20} color={colors.background} />
             </TouchableOpacity>
@@ -405,7 +408,7 @@ export default function SignInScreen() {
               className="text-[32px] font-bold text-center mt-6 mb-2"
               style={{ color: colors.textPrimary }}
             >
-              Connect your wallet.
+              {t('auth.signIn.connectYourWallet')}
             </Text>
             
             <View className="gap-4 items-center px-4">
@@ -413,14 +416,14 @@ export default function SignInScreen() {
                 className="text-[16px] text-center"
                 style={{ color: colors.textSecondary }}
               >
-                No passwords. No email. Just your Stellar wallet.
+                {t('auth.signIn.noPasswords')}
               </Text>
               <View className="flex-row items-center justify-center gap-4 mt-2">
                 <View className="px-3 py-1 rounded-full border" style={{ borderColor: colors.borderSubtle, backgroundColor: colors.surface }}>
-                  <Text className="text-sm font-semibold" style={{ color: colors.textPrimary }}>Lobstr</Text>
+                  <Text className="text-sm font-semibold" style={{ color: colors.textPrimary }}>{t('auth.signIn.walletLobstr')}</Text>
                 </View>
                 <View className="px-3 py-1 rounded-full border" style={{ borderColor: colors.borderSubtle, backgroundColor: colors.surface }}>
-                  <Text className="text-sm font-semibold" style={{ color: colors.textPrimary }}>xBull</Text>
+                  <Text className="text-sm font-semibold" style={{ color: colors.textPrimary }}>{t('auth.signIn.walletXbull')}</Text>
                 </View>
               </View>
             </View>
@@ -438,7 +441,7 @@ export default function SignInScreen() {
             >
               <Wallet size={20} color={colors.background} />
               <Text className="text-[18px] font-bold" style={{ color: colors.background }}>
-                {isConnecting ? 'Connecting...' : 'Connect Stellar Wallet'}
+                {isConnecting ? t('auth.signIn.connecting') : t('auth.signIn.connectStellarWallet')}
               </Text>
             </TouchableOpacity>
 
@@ -449,7 +452,7 @@ export default function SignInScreen() {
             >
               <HelpCircle size={14} color={colors.textMuted} />
               <Text className="text-[14px]" style={{ color: colors.textMuted }}>
-                Don't have a wallet?
+                {t('auth.signIn.dontHaveWallet')}
               </Text>
             </TouchableOpacity>
           </View>
diff --git a/app/(tabs)/_layout.tsx b/app/(tabs)/_layout.tsx
index 7ed7dd5..52f49cd 100644
--- a/app/(tabs)/_layout.tsx
+++ b/app/(tabs)/_layout.tsx
@@ -1,8 +1,11 @@
 import { Tabs } from 'expo-router';
 import { Home, CreditCard, Calendar, Star, Settings } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
+import { useTranslation } from '../../hooks/useTranslation';
 
 export default function TabsLayout() {
+  const { t } = useTranslation();
+
   return (
     <Tabs
       screenOptions={{
@@ -26,35 +29,35 @@ export default function TabsLayout() {
       <Tabs.Screen
         name="index"
         options={{
-          title: 'Home',
+          title: t('tabs.home'),
           tabBarIcon: ({ color, size }) => <Home color={color} size={size} />,
         }}
       />
       <Tabs.Screen
         name="loans"
         options={{
-          title: 'Loans',
+          title: t('tabs.loans'),
           tabBarIcon: ({ color, size }) => <CreditCard color={color} size={size} />,
         }}
       />
       <Tabs.Screen
         name="calendar"
         options={{
-          title: 'Calendar',
+          title: t('tabs.calendar'),
           tabBarIcon: ({ color, size }) => <Calendar color={color} size={size} />,
         }}
       />
       <Tabs.Screen
         name="reputation"
         options={{
-          title: 'Score',
+          title: t('tabs.score'),
           tabBarIcon: ({ color, size }) => <Star color={color} size={size} />,
         }}
       />
       <Tabs.Screen
         name="settings"
         options={{
-          title: 'Settings',
+          title: t('tabs.settings'),
           tabBarIcon: ({ color, size }) => <Settings color={color} size={size} />,
         }}
       />
diff --git a/app/(tabs)/calendar.tsx b/app/(tabs)/calendar.tsx
index 1ed2c1d..48085f0 100644
--- a/app/(tabs)/calendar.tsx
+++ b/app/(tabs)/calendar.tsx
@@ -13,14 +13,12 @@ import {
 } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
 import { EmptyState } from '../../components/shared/EmptyState';
-import { Loader } from '../../components/shared/Loader';
-import { useInstallmentCalendar, WEEKDAY_HEADERS, MONTH_NAMES } from '../../hooks/useInstallmentCalendar';
+import Loader from '../../components/shared/Loader';
+import { useInstallmentCalendar } from '../../hooks/useInstallmentCalendar';
+import { useTranslation } from '../../hooks/useTranslation';
+import { formatCurrency, formatDate } from '../../src/locales/i18n';
 import type { CalendarDayData, CalendarEventData } from '../../hooks/useInstallmentCalendar';
 
-function formatCurrency(amount: number) {
-  return `$${amount.toLocaleString()}`;
-}
-
 function EventIndicator({ events }: { events: CalendarEventData[] }) {
   if (!events.length) return null;
 
@@ -89,16 +87,16 @@ function DayCell({
   );
 }
 
-function SelectedDayPanel({ day }: { day: CalendarDayData }) {
+function SelectedDayPanel({ day, t }: { day: CalendarDayData; t: (key: string, opts?: any) => string }) {
   if (!day.events.length) {
     return (
       <View
         className="rounded-2xl p-5 items-center"
         style={{ backgroundColor: colors.surface, borderWidth: 1, borderColor: colors.border }}
       >
-        <Text className="text-sm" style={{ color: colors.textMuted }}>
-          No payments on this day
-        </Text>
+          <Text className="text-sm" style={{ color: colors.textMuted }}>
+            {t('calendar.noPaymentsOnDay')}
+          </Text>
       </View>
     );
   }
@@ -109,16 +107,12 @@ function SelectedDayPanel({ day }: { day: CalendarDayData }) {
       style={{ backgroundColor: colors.surface, borderWidth: 1, borderColor: colors.border }}
     >
       <View className="p-4 border-b" style={{ borderBottomColor: colors.border }}>
-        <Text className="text-sm font-semibold" style={{ color: colors.textSecondary }}>
-          {day.date.toLocaleDateString('en-US', {
-            weekday: 'long',
-            month: 'long',
-            day: 'numeric',
-          })}
-        </Text>
-        <Text className="text-xs" style={{ color: colors.textMuted }}>
-          {day.events.length} payment{day.events.length > 1 ? 's' : ''}
-        </Text>
+          <Text className="text-sm font-semibold" style={{ color: colors.textSecondary }}>
+            {formatDate(day.date, 'long')}
+          </Text>
+          <Text className="text-xs" style={{ color: colors.textMuted }}>
+            {day.events.length} {day.events.length > 1 ? t('calendar.payments') : t('calendar.payment')}
+          </Text>
       </View>
       {day.events.map((event, idx) => (
         <View
@@ -155,7 +149,7 @@ function SelectedDayPanel({ day }: { day: CalendarDayData }) {
             className="text-xs font-semibold"
             style={{ color: event.isPaid ? colors.success : colors.warning }}
           >
-            {event.isPaid ? 'Paid' : 'Due'}
+            {event.isPaid ? t('calendar.eventPaid') : t('calendar.eventDue')}
           </Text>
         </View>
       ))}
@@ -164,6 +158,9 @@ function SelectedDayPanel({ day }: { day: CalendarDayData }) {
 }
 
 export default function CalendarScreen() {
+  const { t } = useTranslation();
+  const weekdayHeaders = t('weekdayHeaders', { returnObjects: true }) as string[];
+  const monthNames = t('monthNames', { returnObjects: true }) as string[];
   const {
     currentMonth,
     weeks,
@@ -192,16 +189,16 @@ export default function CalendarScreen() {
   const handleExport = React.useCallback(async () => {
     const success = await exportToCalendar();
     if (success) {
-      Alert.alert('Calendar Exported', 'Payment dates have been added to your calendar.');
+      Alert.alert(t('calendar.calendarExported'), t('calendar.calendarExportedMessage'));
     } else {
-      Alert.alert('Permission Required', 'Calendar access was not granted. Please enable it in settings.');
+      Alert.alert(t('calendar.permissionRequired'), t('calendar.permissionRequiredMessage'));
     }
-  }, [exportToCalendar]);
+  }, [exportToCalendar, t]);
 
   const handleScheduleReminders = React.useCallback(async () => {
     await scheduleReminders();
-    Alert.alert('Reminders Set', 'Payment reminders have been scheduled 14, 7, 3, and 1 day before each due date.');
-  }, [scheduleReminders]);
+    Alert.alert(t('calendar.remindersSet'), t('calendar.remindersSetMessage'));
+  }, [scheduleReminders, t]);
 
   if (isLoading) {
     return (
@@ -216,11 +213,11 @@ export default function CalendarScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={AlertCircle}
-          title="Something went wrong"
-          message={error}
+          title={t('common.somethingWentWrong')}
+          message={error ?? ''}
           iconColor={colors.error}
           iconBackgroundColor={colors.errorDim}
-          action={{ label: 'Try again', onPress: () => { void refetch(); } }}
+          action={{ label: t('common.tryAgain'), onPress: () => { void refetch(); } }}
         />
       </SafeAreaView>
     );
@@ -231,14 +228,14 @@ export default function CalendarScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={CalendarIcon}
-          title="No payments scheduled"
-          message="Your active loans will appear here with their payment due dates."
+          title={t('calendar.noPaymentsScheduled')}
+          message={t('calendar.noPaymentsMessage')}
         />
       </SafeAreaView>
     );
   }
 
-  const monthYear = `${MONTH_NAMES[currentMonth.getMonth()]} ${currentMonth.getFullYear()}`;
+  const monthYear = `${monthNames[currentMonth.getMonth()]} ${currentMonth.getFullYear()}`;
   const totalDue = allEvents.filter((e) => !e.isPaid).length;
   const totalPaid = allEvents.filter((e) => e.isPaid).length;
 
@@ -254,7 +251,7 @@ export default function CalendarScreen() {
         {/* Header */}
         <View className="px-4 pt-4 pb-2 flex-row items-center justify-between">
           <Text className="text-2xl font-bold" style={{ color: colors.textPrimary }}>
-            Calendar
+            {t('calendar.calendar')}
           </Text>
           <View className="flex-row gap-2">
             <TouchableOpacity
@@ -291,10 +288,10 @@ export default function CalendarScreen() {
               </View>
               <View>
                 <Text className="text-sm font-semibold" style={{ color: colors.textPrimary }}>
-                  Payment Streak
+                  {t('calendar.paymentStreak')}
                 </Text>
                 <Text className="text-xs" style={{ color: colors.textMuted }}>
-                  Consecutive on-time payments
+                  {t('calendar.paymentStreakDesc')}
                 </Text>
               </View>
             </View>
@@ -311,7 +308,7 @@ export default function CalendarScreen() {
             style={{ backgroundColor: colors.warningDim }}
           >
             <Text className="text-xs" style={{ color: colors.warning }}>
-              Due
+              {t('calendar.due')}
             </Text>
             <Text className="text-lg font-bold" style={{ color: colors.warning }}>
               {totalDue}
@@ -322,7 +319,7 @@ export default function CalendarScreen() {
             style={{ backgroundColor: colors.successDim }}
           >
             <Text className="text-xs" style={{ color: colors.success }}>
-              Paid
+              {t('calendar.paid')}
             </Text>
             <Text className="text-lg font-bold" style={{ color: colors.success }}>
               {totalPaid}
@@ -362,7 +359,7 @@ export default function CalendarScreen() {
 
           {/* Weekday Headers */}
           <View className="flex-row mb-2">
-            {WEEKDAY_HEADERS.map((day) => (
+            {weekdayHeaders.map((day) => (
               <View key={day} className="flex-1 items-center">
                 <Text className="text-xs font-semibold" style={{ color: colors.textMuted }}>
                   {day}
@@ -393,7 +390,7 @@ export default function CalendarScreen() {
         {/* Selected Day Details */}
         {selectedDay ? (
           <View className="mx-4 mt-4">
-            <SelectedDayPanel day={selectedDay} />
+            <SelectedDayPanel day={selectedDay} t={t} />
           </View>
         ) : null}
       </ScrollView>
diff --git a/app/(tabs)/index.tsx b/app/(tabs)/index.tsx
index a03596a..ad1e942 100644
--- a/app/(tabs)/index.tsx
+++ b/app/(tabs)/index.tsx
@@ -20,9 +20,12 @@ import { useAuthStore } from '../../stores/auth.store';
 import { loansService } from '../../services/loans.service';
 import { reputationService } from '../../services/reputation.service';
 import { ReputationProgressWidget } from '../../components/reputation/ReputationProgressWidget';
+import { useTranslation } from '../../hooks/useTranslation';
+import { formatCurrency, formatDate } from '../../src/locales/i18n';
 import type { AvailableCredit } from '../../services/loans.service';
 
 export default function HomeScreen() {
+  const { t } = useTranslation();
   const router = useRouter();
   const profile = useUserStore((s) => s.profile);
   const reputation = useUserStore((s) => s.reputation);
@@ -36,7 +39,7 @@ export default function HomeScreen() {
   const [isRefreshing, setIsRefreshing] = useState(false);
   const [error, setError] = useState<string | null>(null);
 
-  const displayName = profile?.displayName ?? 'there';
+  const displayName = profile?.displayName ?? t('home.greeting');
 
   const fetchDashboard = useCallback(async () => {
     setError(null);
@@ -51,7 +54,7 @@ export default function HomeScreen() {
       if (creditData.status === 'fulfilled') setCredit(creditData.value);
       if (repData.status === 'fulfilled' && repData.value) setReputation(repData.value);
     } catch {
-      setError('Could not load your dashboard. Please try again.');
+      setError(t('home.errorLoading'));
     } finally {
       setIsLoading(false);
       setIsRefreshing(false);
@@ -82,11 +85,11 @@ export default function HomeScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={AlertCircle}
-          title="Something went wrong"
-          message={error}
+          title={t('common.somethingWentWrong')}
+          message={error ?? ''}
           iconColor={colors.error}
           iconBackgroundColor={colors.errorDim}
-          action={{ label: 'Try again', onPress: () => { setIsLoading(true); void fetchDashboard(); } }}
+          action={{ label: t('common.tryAgain'), onPress: () => { setIsLoading(true); void fetchDashboard(); } }}
         />
       </SafeAreaView>
     );
@@ -121,7 +124,7 @@ export default function HomeScreen() {
           <View className="flex-row justify-between items-end">
             <View>
               <Text className="text-sm font-medium mb-1" style={{ color: colors.textSecondary }}>
-                Available Credit
+                {t('home.availableCredit')}
               </Text>
               <View className="flex-row items-end">
                 <Text className="text-4xl font-bold" style={{ color: colors.brandGreen }}>
@@ -137,7 +140,7 @@ export default function HomeScreen() {
               style={{ backgroundColor: colors.brandGreen + '15' }}
             >
               <Text className="text-[10px] font-bold uppercase tracking-widest" style={{ color: colors.brandGreen }}>
-                Active Limit
+                {t('home.activeLimit')}
               </Text>
             </View>
           </View>
@@ -146,10 +149,10 @@ export default function HomeScreen() {
           <View className="flex-col gap-1 mt-4">
             <View className="flex-row justify-between">
               <Text className="text-xs font-semibold" style={{ color: colors.textSecondary }}>
-                Used: ${credit?.used?.toLocaleString() ?? '0'}
+                {t('home.used')}: ${credit?.used?.toLocaleString() ?? '0'}
               </Text>
               <Text className="text-xs font-semibold" style={{ color: colors.textMuted }}>
-                Limit: ${credit?.limit?.toLocaleString() ?? '0'}
+                {t('home.limit')}: ${credit?.limit?.toLocaleString() ?? '0'}
               </Text>
             </View>
             <View className="h-2 w-full rounded-full flex-row overflow-hidden" style={{ backgroundColor: colors.subtle }}>
@@ -166,10 +169,10 @@ export default function HomeScreen() {
         {/* Quick Actions Grid */}
         <View className="flex-row justify-between mb-8">
           {[
-            { icon: Plus, label: 'Apply', color: colors.brandGreen, route: '/(tabs)/pay' },
-            { icon: ArrowUpRight, label: 'Pay', color: colors.textPrimary, route: '/(tabs)/pay' },
-            { icon: History, label: 'History', color: colors.textPrimary, route: '/(tabs)/pay' },
-            { icon: BadgeCheck, label: 'Vouches', color: colors.textPrimary, route: '/(tabs)/reputation' },
+            { icon: Plus, label: t('home.apply'), color: colors.brandGreen, route: '/(tabs)/pay' },
+            { icon: ArrowUpRight, label: t('home.pay'), color: colors.textPrimary, route: '/(tabs)/pay' },
+            { icon: History, label: t('home.history'), color: colors.textPrimary, route: '/(tabs)/pay' },
+            { icon: BadgeCheck, label: t('home.vouches'), color: colors.textPrimary, route: '/(tabs)/reputation' },
           ].map((action, idx) => (
             <TouchableOpacity 
               key={idx} 
@@ -196,7 +199,7 @@ export default function HomeScreen() {
         {/* Active Loans Horizontal Scroll */}
         <View className="flex-col gap-3 mb-8">
           <Text className="text-xl font-bold" style={{ color: colors.textPrimary }}>
-            Active Loans
+            {t('home.activeLoans')}
           </Text>
           <ScrollView
             horizontal
@@ -223,7 +226,7 @@ export default function HomeScreen() {
                       )}
                     </View>
                     <Text className="text-base font-semibold" style={{ color: colors.textPrimary }}>
-                      Loan #{loan.id.slice(0, 4)}
+                      {t('common.loanNumber', { id: loan.id.slice(0, 4) })}
                     </Text>
                   </View>
                   <View
@@ -231,13 +234,13 @@ export default function HomeScreen() {
                     style={{ backgroundColor: colors.subtle, borderColor: colors.borderSubtle }}
                   >
                     <Text className="text-xs font-semibold" style={{ color: colors.brandGreen }}>
-                      Active
+                      {t('home.active')}
                     </Text>
                   </View>
                 </View>
                 <View>
                   <Text className="text-sm" style={{ color: colors.textSecondary }}>
-                    Remaining Balance
+                    {t('home.remainingBalance')}
                   </Text>
                   <View className="flex-row items-end gap-1">
                     <Text className="text-2xl font-bold" style={{ color: colors.textPrimary }}>
@@ -259,7 +262,7 @@ export default function HomeScreen() {
                 className="w-[280px] rounded-xl border p-5 justify-center items-center"
                 style={{ backgroundColor: colors.surface, borderColor: colors.borderSubtle }}
               >
-                <Text style={{ color: colors.textSecondary }}>No active loans</Text>
+                <Text style={{ color: colors.textSecondary }}>{t('home.noActiveLoans')}</Text>
               </View>
             )}
           </ScrollView>
@@ -268,7 +271,7 @@ export default function HomeScreen() {
         {/* Upcoming Payments List */}
         <View className="flex-col gap-3">
           <Text className="text-xl font-bold" style={{ color: colors.textPrimary }}>
-            Upcoming Payments
+            {t('home.upcomingPayments')}
           </Text>
           <View
             className="rounded-xl overflow-hidden border"
@@ -293,10 +296,10 @@ export default function HomeScreen() {
                     </View>
                     <View>
                       <Text className="text-base font-semibold" style={{ color: colors.textPrimary }}>
-                        Installment
+                        {t('home.installment')}
                       </Text>
                       <Text className="text-sm" style={{ color: colors.textSecondary }}>
-                        Loan #{payment.loanId.slice(0, 4)} · Due {new Date(payment.dueDate).toLocaleDateString('en-US', { month: 'short', day: 'numeric' })}
+                        {t('common.loanNumber', { id: payment.loanId.slice(0, 4) })} · {t('home.due')} {formatDate(new Date(payment.dueDate), 'short')}
                       </Text>
                     </View>
                   </View>
@@ -306,7 +309,7 @@ export default function HomeScreen() {
                     </Text>
                     {idx === 0 ? (
                       <Text className="text-xs font-semibold mt-1" style={{ color: colors.brandGreen }}>
-                        Pay Now
+                        {t('home.payNow')}
                       </Text>
                     ) : null}
                   </View>
@@ -314,7 +317,7 @@ export default function HomeScreen() {
               ))
             ) : (
               <View className="p-6 items-center">
-                <Text style={{ color: colors.textSecondary }}>No upcoming payments</Text>
+                <Text style={{ color: colors.textSecondary }}>{t('home.noUpcomingPayments')}</Text>
               </View>
             )}
           </View>
diff --git a/app/(tabs)/loans.tsx b/app/(tabs)/loans.tsx
index f0f247c..9fbc682 100644
--- a/app/(tabs)/loans.tsx
+++ b/app/(tabs)/loans.tsx
@@ -14,9 +14,11 @@ import { Card } from '../../components/shared/Card';
 import { EmptyState } from '../../components/shared/EmptyState';
 import { useLoansStore } from '../../stores/loans.store';
 import { loansService } from '../../services/loans.service';
+import { useTranslation } from '../../hooks/useTranslation';
+import { formatDate } from '../../src/locales/i18n';
 import type { Loan, LoanStatus } from '../../types/loan.types';
 
-function getStatusConfig(status: LoanStatus): {
+function getStatusConfig(status: LoanStatus, t: (key: string, opts?: any) => string): {
   label: string;
   color: string;
   bg: string;
@@ -24,15 +26,15 @@ function getStatusConfig(status: LoanStatus): {
 } {
   switch (status) {
     case 'active':
-      return { label: 'Active', color: colors.brandBlue, bg: colors.brandBlueDim, icon: Clock };
+      return { label: t('loans.statusActive'), color: colors.brandBlue, bg: colors.brandBlueDim, icon: Clock };
     case 'paid':
-      return { label: 'Paid', color: colors.success, bg: colors.successDim, icon: CheckCircle };
+      return { label: t('loans.statusPaid'), color: colors.success, bg: colors.successDim, icon: CheckCircle };
     case 'defaulted':
-      return { label: 'Defaulted', color: colors.error, bg: colors.errorDim, icon: XCircle };
+      return { label: t('loans.statusDefaulted'), color: colors.error, bg: colors.errorDim, icon: XCircle };
     case 'pending':
-      return { label: 'Pending', color: colors.warning, bg: colors.warningDim, icon: Clock };
+      return { label: t('loans.statusPending'), color: colors.warning, bg: colors.warningDim, icon: Clock };
     case 'cancelled':
-      return { label: 'Cancelled', color: colors.textMuted, bg: colors.subtle, icon: XCircle };
+      return { label: t('loans.statusCancelled'), color: colors.textMuted, bg: colors.subtle, icon: XCircle };
     default:
       return { label: status, color: colors.textMuted, bg: colors.subtle, icon: Clock };
   }
@@ -40,10 +42,11 @@ function getStatusConfig(status: LoanStatus): {
 
 interface LoanCardProps {
   loan: Loan;
+  t: (key: string, opts?: any) => string;
 }
 
-function LoanCard({ loan }: LoanCardProps) {
-  const statusConfig = getStatusConfig(loan.status);
+function LoanCard({ loan, t }: LoanCardProps) {
+  const statusConfig = getStatusConfig(loan.status, t);
   const StatusIcon = statusConfig.icon;
 
   const paidCount = loan.installments.filter((i) => i.paid).length;
@@ -66,14 +69,10 @@ function LoanCard({ loan }: LoanCardProps) {
               className="text-sm font-semibold"
               style={{ color: colors.textPrimary }}
             >
-              Loan #{loan.id.slice(0, 8)}
+              {t('common.loanNumber', { id: loan.id.slice(0, 8) })}
             </Text>
             <Text className="text-xs" style={{ color: colors.textMuted }}>
-              {new Date(loan.createdAt).toLocaleDateString('en-US', {
-                month: 'short',
-                day: 'numeric',
-                year: 'numeric',
-              })}
+              {formatDate(new Date(loan.createdAt), 'full')}
             </Text>
           </View>
         </View>
@@ -97,7 +96,7 @@ function LoanCard({ loan }: LoanCardProps) {
       <View className="flex-row items-center justify-between">
         <View>
           <Text className="text-xs" style={{ color: colors.textMuted }}>
-            Total amount
+            {t('loans.totalAmount')}
           </Text>
           <Text
             className="text-lg font-bold"
@@ -108,7 +107,7 @@ function LoanCard({ loan }: LoanCardProps) {
         </View>
         <View className="items-end">
           <Text className="text-xs" style={{ color: colors.textMuted }}>
-            Remaining
+            {t('loans.remaining')}
           </Text>
           <Text
             className="text-lg font-bold"
@@ -123,10 +122,10 @@ function LoanCard({ loan }: LoanCardProps) {
       <View className="gap-1">
         <View className="flex-row items-center justify-between">
           <Text className="text-xs" style={{ color: colors.textMuted }}>
-            Installments
+            {t('loans.installments')}
           </Text>
           <Text className="text-xs" style={{ color: colors.textMuted }}>
-            {paidCount} of {totalCount} paid
+            {t('loans.installmentsPaid', { paid: paidCount, total: totalCount })}
           </Text>
         </View>
         <View
@@ -147,6 +146,7 @@ function LoanCard({ loan }: LoanCardProps) {
 }
 
 export default function LoansScreen() {
+  const { t } = useTranslation();
   const loans = useLoansStore((s) => s.loans);
   const setLoans = useLoansStore((s) => s.setLoans);
   const [isLoading, setIsLoading] = useState(true);
@@ -159,7 +159,7 @@ export default function LoansScreen() {
       const data = await loansService.getMyLoans();
       setLoans(data);
     } catch {
-      setError('Could not load your loans. Please try again.');
+      setError(t('loans.errorLoading'));
     } finally {
       setIsLoading(false);
       setIsRefreshing(false);
@@ -181,11 +181,11 @@ export default function LoansScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={AlertCircle}
-          title="Something went wrong"
-          message={error}
+          title={t('common.somethingWentWrong')}
+          message={error ?? ''}
           iconColor={colors.error}
           iconBackgroundColor={colors.errorDim}
-          action={{ label: 'Try again', onPress: () => { setIsLoading(true); void fetchLoans(); } }}
+          action={{ label: t('common.tryAgain'), onPress: () => { setIsLoading(true); void fetchLoans(); } }}
         />
       </SafeAreaView>
     );
@@ -197,9 +197,9 @@ export default function LoansScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={CreditCard}
-          title="No loans yet"
-          message="Apply for your first loan to finance laptops, courses, and dev tools."
-          action={{ label: 'Apply now', onPress: () => {} }}
+          title={t('loans.noLoansYet')}
+          message={t('loans.noLoansMessage')}
+          action={{ label: t('loans.applyNow'), onPress: () => {} }}
         />
       </SafeAreaView>
     );
@@ -222,7 +222,7 @@ export default function LoansScreen() {
           className="text-2xl font-bold mt-2 mb-6"
           style={{ color: colors.textPrimary }}
         >
-          My Loans
+          {t('loans.myLoans')}
         </Text>
 
         {/* Summary */}
@@ -232,7 +232,7 @@ export default function LoansScreen() {
             style={{ backgroundColor: colors.brandBlueDim }}
           >
             <Text className="text-xs" style={{ color: colors.brandBlue }}>
-              Active
+              {t('loans.active')}
             </Text>
             <Text className="text-lg font-bold" style={{ color: colors.brandBlue }}>
               {loans.filter((l) => l.status === 'active').length}
@@ -243,7 +243,7 @@ export default function LoansScreen() {
             style={{ backgroundColor: colors.successDim }}
           >
             <Text className="text-xs" style={{ color: colors.success }}>
-              Paid
+              {t('loans.paid')}
             </Text>
             <Text className="text-lg font-bold" style={{ color: colors.success }}>
               {loans.filter((l) => l.status === 'paid').length}
@@ -254,7 +254,7 @@ export default function LoansScreen() {
             style={{ backgroundColor: colors.warningDim }}
           >
             <Text className="text-xs" style={{ color: colors.warning }}>
-              Pending
+              {t('loans.pending')}
             </Text>
             <Text className="text-lg font-bold" style={{ color: colors.warning }}>
               {loans.filter((l) => l.status === 'pending').length}
@@ -264,7 +264,7 @@ export default function LoansScreen() {
 
         {/* Loan list */}
         {loans.map((loan) => (
-          <LoanCard key={loan.id} loan={loan} />
+          <LoanCard key={loan.id} loan={loan} t={t} />
         ))}
       </ScrollView>
     </SafeAreaView>
diff --git a/app/(tabs)/reputation.tsx b/app/(tabs)/reputation.tsx
index e3235bc..35fcd6e 100644
--- a/app/(tabs)/reputation.tsx
+++ b/app/(tabs)/reputation.tsx
@@ -26,6 +26,7 @@ import { useAuthStore } from '../../stores/auth.store';
 import { reputationService } from '../../services/reputation.service';
 import { useReputationMilestones } from '../../hooks/useReputationMilestones';
 import { useVouch } from '../../hooks/useVouch';
+import { useTranslation } from '../../hooks/useTranslation';
 import { TransactionStatus } from '../../types/transaction.types';
 import { TierUpModal } from '../../components/reputation/TierUpModal';
 import { MilestoneModal } from '../../components/reputation/MilestoneModal';
@@ -34,43 +35,21 @@ interface TipItem {
   icon: typeof CheckCircle;
   text: string;
   color: string;
+  key: string;
 }
 
-const IMPROVEMENT_TIPS: TipItem[] = [
-  {
-    icon: CheckCircle,
-    text: 'Pay installments on time to increase your score',
-    color: colors.success,
-  },
-  {
-    icon: Clock,
-    text: 'Avoid late payments — each one reduces your score',
-    color: colors.warning,
-  },
-  {
-    icon: Shield,
-    text: 'Get vouched by a mentor to boost your credit limit',
-    color: colors.brandBlue,
-  },
-  {
-    icon: TrendingUp,
-    text: 'Complete more loans to build a strong payment history',
-    color: colors.brandGreen,
-  },
-];
-
-function getTierDescription(tier: string): string {
+function getTierDescription(tier: string, t: (key: string, opts?: any) => string): string {
   switch (tier.toLowerCase()) {
     case 'gold':
-      return 'Excellent trust — lowest interest rates and highest credit limits.';
+      return t('reputation.descGold');
     case 'silver':
-      return 'Good trust — competitive rates and solid credit limits.';
+      return t('reputation.descSilver');
     case 'bronze':
-      return 'Growing trust — moderate rates. Keep paying on time!';
+      return t('reputation.descBronze');
     case 'starter':
-      return 'Just getting started — build trust with your first loan.';
+      return t('reputation.descStarter');
     default:
-      return 'Build your trust score by using StepFi.';
+      return t('reputation.descDefault');
   }
 }
 
@@ -100,6 +79,7 @@ const AnimatedScore = ({ score }: { score: number }) => {
 };
 
 export default function ReputationScreen() {
+  const { t } = useTranslation();
   const reputation = useUserStore((s) => s.reputation);
   const setReputation = useUserStore((s) => s.setReputation);
   const walletAddress = useAuthStore((s) => s.walletAddress);
@@ -107,6 +87,13 @@ export default function ReputationScreen() {
   const [isRefreshing, setIsRefreshing] = useState(false);
   const [error, setError] = useState<string | null>(null);
 
+  const IMPROVEMENT_TIPS: TipItem[] = [
+    { icon: CheckCircle, text: t('reputation.tip1'), color: colors.success, key: 'tip1' },
+    { icon: Clock, text: t('reputation.tip2'), color: colors.warning, key: 'tip2' },
+    { icon: Shield, text: t('reputation.tip3'), color: colors.brandBlue, key: 'tip3' },
+    { icon: TrendingUp, text: t('reputation.tip4'), color: colors.brandGreen, key: 'tip4' },
+  ];
+
   const {
     showTierUp,
     newTier,
@@ -146,7 +133,7 @@ export default function ReputationScreen() {
       const data = await reputationService.getScore(walletAddress);
       setReputation(data);
     } catch {
-      setError('Could not load your reputation score. Please try again.');
+      setError(t('common.somethingWentWrong'));
     } finally {
       setIsLoading(false);
       setIsRefreshing(false);
@@ -168,11 +155,11 @@ export default function ReputationScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={AlertCircle}
-          title="Something went wrong"
-          message={error}
+          title={t('common.somethingWentWrong')}
+          message={error ?? ''}
           iconColor={colors.error}
           iconBackgroundColor={colors.errorDim}
-          action={{ label: 'Try again', onPress: () => { setIsLoading(true); void fetchReputation(); } }}
+          action={{ label: t('common.tryAgain'), onPress: () => { setIsLoading(true); void fetchReputation(); } }}
         />
       </SafeAreaView>
     );
@@ -184,8 +171,8 @@ export default function ReputationScreen() {
       <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
         <EmptyState
           icon={Star}
-          title="No reputation data"
-          message="Your trust score will appear here after your first loan activity."
+          title={t('reputation.noReputationData')}
+          message={t('reputation.noReputationMessage')}
           iconColor={colors.tier.gold}
           iconBackgroundColor={colors.warningDim}
         />
@@ -217,7 +204,7 @@ export default function ReputationScreen() {
           className="text-2xl font-bold mt-2 mb-6"
           style={{ color: colors.textPrimary }}
         >
-          Reputation Score
+          {t('reputation.reputationScore')}
         </Text>
 
         {/* Main score card */}
@@ -233,7 +220,7 @@ export default function ReputationScreen() {
           >
             <AnimatedScore score={reputation?.score ?? 0} />
             <Text className="text-xs" style={{ color: colors.textMuted }}>
-              / 100
+              {t('reputation.scoreOutOf')}
             </Text>
           </View>
 
@@ -246,7 +233,7 @@ export default function ReputationScreen() {
               className="text-sm font-semibold capitalize"
               style={{ color: tierColor }}
             >
-              {reputation?.tier ?? 'Starter'} Tier
+              {reputation?.tier ?? t('reputation.tierStarter')} {t('reputation.tier')}
             </Text>
           </View>
 
@@ -255,7 +242,7 @@ export default function ReputationScreen() {
             className="text-sm text-center leading-5"
             style={{ color: colors.textMuted }}
           >
-            {getTierDescription(reputation?.tier ?? 'starter')}
+            {getTierDescription(reputation?.tier ?? 'starter', t)}
           </Text>
 
           {/* Score progress bar */}
@@ -287,7 +274,7 @@ export default function ReputationScreen() {
         <View className="flex-row gap-3 mb-4">
           <Card className="flex-1 p-4 items-center gap-1">
             <Text className="text-xs" style={{ color: colors.textMuted }}>
-              Interest rate
+              {t('reputation.interestRate')}
             </Text>
             <Text
               className="text-xl font-bold"
@@ -298,13 +285,13 @@ export default function ReputationScreen() {
             <View className="flex-row items-center gap-1 mt-1">
               <Info size={10} color={colors.textFaint} />
               <Text className="text-xs" style={{ color: colors.textFaint }}>
-                Based on your tier
+                {t('reputation.basedOnTier')}
               </Text>
             </View>
           </Card>
           <Card className="flex-1 p-4 items-center gap-1">
             <Text className="text-xs" style={{ color: colors.textMuted }}>
-              Max credit
+              {t('reputation.maxCredit')}
             </Text>
             <Text
               className="text-xl font-bold"
@@ -315,7 +302,7 @@ export default function ReputationScreen() {
             <View className="flex-row items-center gap-1 mt-1">
               <Info size={10} color={colors.textFaint} />
               <Text className="text-xs" style={{ color: colors.textFaint }}>
-                Your credit limit
+                {t('reputation.yourCreditLimit')}
               </Text>
             </View>
           </Card>
@@ -326,12 +313,12 @@ export default function ReputationScreen() {
           className="text-lg font-semibold mt-2 mb-3"
           style={{ color: colors.textPrimary }}
         >
-          How to improve your score
+          {t('reputation.howToImprove')}
         </Text>
 
         <Card className="p-4 gap-4">
           {IMPROVEMENT_TIPS.map((tip) => (
-            <View key={tip.text} className="flex-row items-start gap-3">
+            <View key={tip.key} className="flex-row items-start gap-3">
               <View
                 className="h-8 w-8 rounded-full items-center justify-center mt-0.5"
                 style={{ backgroundColor: tip.color + '20' }}
@@ -353,7 +340,7 @@ export default function ReputationScreen() {
           className="text-lg font-semibold mt-6 mb-3"
           style={{ color: colors.textPrimary }}
         >
-          Get Vouched
+          {t('reputation.getVouched')}
         </Text>
         <Card className="p-4 gap-3">
           <View className="flex-row items-start gap-3">
@@ -364,7 +351,7 @@ export default function ReputationScreen() {
               <UserCheck size={16} color={colors.brandBlue} />
             </View>
             <Text className="text-sm flex-1 leading-5" style={{ color: colors.textSecondary }}>
-              Get vouched by a mentor to increase your credit limit by 10% per vouch (max 3 vouches).
+              {t('reputation.vouchDescription')}
             </Text>
           </View>
 
@@ -373,10 +360,10 @@ export default function ReputationScreen() {
               <View className="flex-row items-start gap-2">
                 <AlertCircle size={16} color="#DC2626" />
                 <View className="flex-1">
-                  <Text className="text-xs font-semibold text-red-700">Vouch failed</Text>
+                  <Text className="text-xs font-semibold text-red-700">{t('reputation.vouchFailed')}</Text>
                   <Text className="text-xs text-red-600 mt-0.5">{vouchError.message}</Text>
                   <TouchableOpacity onPress={resetVouch} className="mt-1">
-                    <Text className="text-xs font-semibold text-red-700 underline">Dismiss</Text>
+                    <Text className="text-xs font-semibold text-red-700 underline">{t('common.dismiss')}</Text>
                   </TouchableOpacity>
                 </View>
               </View>
@@ -388,12 +375,12 @@ export default function ReputationScreen() {
               <View className="flex-row items-start gap-2">
                 <CheckCircle size={16} color="#16A34A" />
                 <View className="flex-1">
-                  <Text className="text-xs font-semibold text-green-700">Vouch submitted</Text>
+                  <Text className="text-xs font-semibold text-green-700">{t('reputation.vouchSubmitted')}</Text>
                   <Text className="text-xs text-green-600 mt-0.5 font-mono">
-                    TX: {vouchTxHash.slice(0, 16)}...
+                    {t('reputation.txLabel')} {vouchTxHash.slice(0, 16)}...
                   </Text>
                   <TouchableOpacity onPress={resetVouch} className="mt-1">
-                    <Text className="text-xs font-semibold text-green-700 underline">Dismiss</Text>
+                    <Text className="text-xs font-semibold text-green-700 underline">{t('common.dismiss')}</Text>
                   </TouchableOpacity>
                 </View>
               </View>
@@ -408,10 +395,10 @@ export default function ReputationScreen() {
             {isVouching ? (
               <View className="flex-row items-center gap-2">
                 <ActivityIndicator size="small" color="#FFFFFF" />
-                <Text className="text-sm font-semibold text-white">Submitting vouch...</Text>
+                <Text className="text-sm font-semibold text-white">{t('reputation.submittingVouch')}</Text>
               </View>
             ) : (
-              <Text className="text-sm font-semibold text-white">Request Vouch</Text>
+              <Text className="text-sm font-semibold text-white">{t('reputation.requestVouch')}</Text>
             )}
           </TouchableOpacity>
         </Card>
diff --git a/app/(tabs)/settings.tsx b/app/(tabs)/settings.tsx
index 5a93a42..5ba48f9 100644
--- a/app/(tabs)/settings.tsx
+++ b/app/(tabs)/settings.tsx
@@ -21,6 +21,7 @@ import {
   Copy,
   CheckCircle,
   Fingerprint,
+  Globe,
 } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
 import { Card } from '../../components/shared/Card';
@@ -28,6 +29,7 @@ import { useAuthStore } from '../../stores/auth.store';
 import { useUserStore } from '../../stores/user.store';
 import { useWalletStore } from '../../stores/wallet.store';
 import { biometricService } from '../../src/security/biometric.service';
+import { useTranslation } from '../../hooks/useTranslation';
 
 interface MenuItemProps {
   icon: typeof User;
@@ -80,7 +82,14 @@ function MenuItem({
   );
 }
 
+const LANGUAGES = [
+  { code: 'en', label: 'English' },
+  { code: 'fr', label: 'Français' },
+  { code: 'pt', label: 'Português' },
+];
+
 export default function SettingsScreen() {
+  const { t, currentLanguage, changeLanguage } = useTranslation();
   const clearAuth = useAuthStore((s) => s.clearAuth);
   const walletAddress = useAuthStore((s) => s.walletAddress);
   const profile = useUserStore((s) => s.profile);
@@ -96,6 +105,8 @@ export default function SettingsScreen() {
   const [pinStep, setPinStep] = useState<'create' | 'confirm'>('create');
   const [pinError, setPinError] = useState('');
 
+  const [languageModalVisible, setLanguageModalVisible] = useState(false);
+
   useEffect(() => {
     async function loadState() {
       const enabled = await biometricService.isBiometricsEnabled();
@@ -109,7 +120,7 @@ export default function SettingsScreen() {
 
   const truncatedAddress = walletAddress
     ? `${walletAddress.slice(0, 6)}...${walletAddress.slice(-6)}`
-    : 'Not connected';
+    : t('settings.notConnected');
 
   const handleCopyAddress = () => {
     if (walletAddress) {
@@ -120,12 +131,12 @@ export default function SettingsScreen() {
 
   const handleSignOut = () => {
     Alert.alert(
-      'Sign out',
-      'Are you sure you want to sign out? You will need to reconnect your wallet.',
+      t('settings.signOutTitle'),
+      t('settings.signOutMessage'),
       [
-        { text: 'Cancel', style: 'cancel' },
+        { text: t('common.cancel'), style: 'cancel' },
         {
-          text: 'Sign out',
+          text: t('settings.signOutConfirm'),
           style: 'destructive',
           onPress: async () => {
             setDisconnected();
@@ -147,7 +158,7 @@ export default function SettingsScreen() {
 
   const handlePinSetupNext = useCallback(() => {
     if (pinInput.length < 4 || pinInput.length > 6) {
-      setPinError('PIN must be 4-6 digits');
+      setPinError(t('settings.pinErrorLength'));
       return;
     }
     if (pinStep === 'create') {
@@ -156,7 +167,7 @@ export default function SettingsScreen() {
       setPinError('');
     } else {
       if (pinInput !== pinConfirm) {
-        setPinError('PINs do not match');
+        setPinError(t('settings.pinErrorMatch'));
         return;
       }
       biometricService.setPin(pinInput).then(() => {
@@ -166,7 +177,7 @@ export default function SettingsScreen() {
         });
       });
     }
-  }, [pinInput, pinConfirm, pinStep]);
+  }, [pinInput, pinConfirm, pinStep, t]);
 
   const handleToggleBiometrics = useCallback(
     async (value: boolean) => {
@@ -196,12 +207,12 @@ export default function SettingsScreen() {
         }
       } else {
         Alert.alert(
-          'Disable biometric lock',
-          'Are you sure? Your PIN will also be removed.',
+          t('settings.disableBiometricTitle'),
+          t('settings.disableBiometricMessage'),
           [
-            { text: 'Cancel', style: 'cancel' },
+            { text: t('common.cancel'), style: 'cancel' },
             {
-              text: 'Disable',
+              text: t('settings.disableBiometricConfirm'),
               style: 'destructive',
               onPress: async () => {
                 await biometricService.disableBiometrics();
@@ -212,9 +223,11 @@ export default function SettingsScreen() {
         );
       }
     },
-    [openPinSetup],
+    [openPinSetup, t],
   );
 
+  const currentLangLabel = LANGUAGES.find((l) => l.code === currentLanguage)?.label ?? LANGUAGES[0].label;
+
   return (
     <SafeAreaView className="flex-1" style={{ backgroundColor: colors.background }}>
       <ScrollView
@@ -225,7 +238,7 @@ export default function SettingsScreen() {
           className="text-2xl font-bold mt-2 mb-6"
           style={{ color: colors.textPrimary }}
         >
-          Settings
+          {t('settings.settings')}
         </Text>
 
         {/* Profile Card */}
@@ -242,13 +255,13 @@ export default function SettingsScreen() {
                 className="text-lg font-semibold"
                 style={{ color: colors.textPrimary }}
               >
-                {profile?.displayName ?? 'StepFi User'}
+                {profile?.displayName ?? t('settings.defaultName')}
               </Text>
               <Text
                 className="text-xs capitalize"
                 style={{ color: colors.textMuted }}
               >
-                {profile?.role ?? 'Learner'} · {profile?.school ?? profile?.organization ?? ''}
+                {profile?.role ?? t('settings.defaultRole')} · {profile?.school ?? profile?.organization ?? ''}
               </Text>
             </View>
           </View>
@@ -279,13 +292,13 @@ export default function SettingsScreen() {
           className="text-xs font-semibold uppercase tracking-wide mb-2 ml-1"
           style={{ color: colors.textMuted }}
         >
-          Account
+          {t('settings.account')}
         </Text>
         <Card className="mb-6 px-4">
           <MenuItem
             icon={User}
-            label="Edit Profile"
-            subtitle="Update your personal information"
+            label={t('settings.editProfile')}
+            subtitle={t('settings.editProfileSubtitle')}
             iconColor={colors.brandBlue}
             iconBg={colors.brandBlueDim}
             onPress={() => {}}
@@ -293,20 +306,38 @@ export default function SettingsScreen() {
           <View style={{ height: 1, backgroundColor: colors.border }} />
           <MenuItem
             icon={Bell}
-            label="Notifications"
-            subtitle="Payment reminders and updates"
+            label={t('settings.notifications')}
+            subtitle={t('settings.notificationsSubtitle')}
             iconColor={colors.warning}
             iconBg={colors.warningDim}
             onPress={() => {}}
           />
         </Card>
 
+        {/* Language Section */}
+        <Text
+          className="text-xs font-semibold uppercase tracking-wide mb-2 ml-1"
+          style={{ color: colors.textMuted }}
+        >
+          {t('settings.language')}
+        </Text>
+        <Card className="mb-6 px-4">
+          <MenuItem
+            icon={Globe}
+            label={t('settings.language')}
+            subtitle={currentLangLabel}
+            iconColor={colors.brandGreen}
+            iconBg={colors.brandGreenDim}
+            onPress={() => setLanguageModalVisible(true)}
+          />
+        </Card>
+
         {/* Security Section */}
         <Text
           className="text-xs font-semibold uppercase tracking-wide mb-2 ml-1"
           style={{ color: colors.textMuted }}
         >
-          Security
+          {t('settings.security')}
         </Text>
         <Card className="mb-6 px-4">
           <View className="flex-row items-center py-4 gap-3">
@@ -321,14 +352,14 @@ export default function SettingsScreen() {
                 className="text-sm font-medium"
                 style={{ color: colors.textPrimary }}
               >
-                Biometric Lock
+                {t('settings.biometricLock')}
               </Text>
               <Text className="text-xs" style={{ color: colors.textMuted }}>
                 {biometricsEnabled
-                  ? 'Lock screen is active'
+                  ? t('settings.biometricActive')
                   : !biometricsAvailable
-                    ? 'PIN-only mode'
-                    : 'Require authentication to open app'}
+                    ? t('settings.biometricPinOnly')
+                    : t('settings.biometricRequireAuth')}
               </Text>
             </View>
             <Switch
@@ -345,13 +376,13 @@ export default function SettingsScreen() {
           className="text-xs font-semibold uppercase tracking-wide mb-2 ml-1"
           style={{ color: colors.textMuted }}
         >
-          Support
+          {t('settings.support')}
         </Text>
         <Card className="mb-6 px-4">
           <MenuItem
             icon={HelpCircle}
-            label="Help & Support"
-            subtitle="FAQs and contact support"
+            label={t('settings.helpSupport')}
+            subtitle={t('settings.helpSupportSubtitle')}
             iconColor={colors.brandGreen}
             iconBg={colors.brandGreenDim}
             onPress={() => {}}
@@ -359,8 +390,8 @@ export default function SettingsScreen() {
           <View style={{ height: 1, backgroundColor: colors.border }} />
           <MenuItem
             icon={Info}
-            label="About StepFi"
-            subtitle="Version, terms, and privacy"
+            label={t('settings.aboutStepfi')}
+            subtitle={t('settings.aboutStepfiSubtitle')}
             iconColor={colors.textSecondary}
             iconBg={colors.subtle}
             onPress={() => {}}
@@ -371,8 +402,8 @@ export default function SettingsScreen() {
         <Card className="px-4">
           <MenuItem
             icon={LogOut}
-            label="Sign out"
-            subtitle="Disconnect wallet and sign out"
+            label={t('settings.signOut')}
+            subtitle={t('settings.signOutSubtitle')}
             onPress={handleSignOut}
             showChevron={false}
             danger
@@ -383,10 +414,71 @@ export default function SettingsScreen() {
           className="text-xs text-center mt-6"
           style={{ color: colors.textFaint }}
         >
-          StepFi v1.0.0
+          {t('settings.versionLabel')}
         </Text>
       </ScrollView>
 
+      {/* Language Picker Modal */}
+      <Modal
+        visible={languageModalVisible}
+        transparent
+        animationType="fade"
+        onRequestClose={() => setLanguageModalVisible(false)}
+      >
+        <View
+          className="flex-1 items-center justify-center px-8"
+          style={{ backgroundColor: 'rgba(0,0,0,0.7)' }}
+        >
+          <View
+            className="w-full rounded-2xl p-6 gap-2"
+            style={{ backgroundColor: colors.surface }}
+          >
+            <Text
+              className="text-xl font-bold text-center mb-4"
+              style={{ color: colors.textPrimary }}
+            >
+              {t('settings.language')}
+            </Text>
+            {LANGUAGES.map((lang) => {
+              const isActive = currentLanguage === lang.code;
+              return (
+                <TouchableOpacity
+                  key={lang.code}
+                  className="flex-row items-center justify-between py-4 px-3 rounded-xl"
+                  style={{ backgroundColor: isActive ? colors.subtle : 'transparent' }}
+                  activeOpacity={0.7}
+                  onPress={async () => {
+                    await changeLanguage(lang.code);
+                    setLanguageModalVisible(false);
+                  }}
+                >
+                  <Text
+                    className="text-base"
+                    style={{ color: colors.textPrimary }}
+                  >
+                    {lang.label}
+                  </Text>
+                  {isActive ? (
+                    <CheckCircle size={20} color={colors.brandGreen} />
+                  ) : null}
+                </TouchableOpacity>
+              );
+            })}
+            <TouchableOpacity
+              className="py-4 items-center mt-2"
+              onPress={() => setLanguageModalVisible(false)}
+            >
+              <Text
+                className="text-sm"
+                style={{ color: colors.textMuted }}
+              >
+                {t('common.cancel')}
+              </Text>
+            </TouchableOpacity>
+          </View>
+        </View>
+      </Modal>
+
       {/* PIN Setup Modal */}
       <Modal
         visible={pinModalVisible}
@@ -406,15 +498,15 @@ export default function SettingsScreen() {
               className="text-xl font-bold text-center"
               style={{ color: colors.textPrimary }}
             >
-              {pinStep === 'create' ? 'Set PIN' : 'Confirm PIN'}
+              {pinStep === 'create' ? t('settings.setPin') : t('settings.confirmPin')}
             </Text>
             <Text
               className="text-sm text-center"
               style={{ color: colors.textSecondary }}
             >
               {pinStep === 'create'
-                ? 'Enter a 4-6 digit PIN for fallback access'
-                : 'Re-enter your PIN to confirm'}
+                ? t('settings.setPinDescription')
+                : t('settings.confirmPinDescription')}
             </Text>
 
             {pinError ? (
@@ -434,7 +526,7 @@ export default function SettingsScreen() {
                 borderWidth: 1,
                 borderColor: colors.borderSubtle,
               }}
-              placeholder={pinStep === 'confirm' ? 'Re-enter PIN' : 'Enter PIN'}
+              placeholder={pinStep === 'confirm' ? t('settings.pinPlaceholderReenter') : t('settings.pinPlaceholderEnter')}
               placeholderTextColor={colors.textMuted}
               value={pinStep === 'create' ? pinInput : pinConfirm}
               onChangeText={pinStep === 'create' ? setPinInput : setPinConfirm}
@@ -463,7 +555,7 @@ export default function SettingsScreen() {
                 className="text-base font-bold"
                 style={{ color: colors.background }}
               >
-                {pinStep === 'create' ? 'Next' : 'Confirm & Enable'}
+                {pinStep === 'create' ? t('settings.pinNext') : t('settings.pinConfirmEnable')}
               </Text>
             </TouchableOpacity>
 
@@ -478,7 +570,7 @@ export default function SettingsScreen() {
                 className="text-sm"
                 style={{ color: colors.textMuted }}
               >
-                Cancel
+                {t('settings.pinCancel')}
               </Text>
             </TouchableOpacity>
           </View>
diff --git a/app/_layout.tsx b/app/_layout.tsx
index 683a0bf..9355f9d 100644
--- a/app/_layout.tsx
+++ b/app/_layout.tsx
@@ -1,12 +1,12 @@
 import { Stack, useRouter, useSegments } from 'expo-router';
-import { useEffect, useRef, useCallback } from 'react';
+import { useEffect, useRef, useCallback, useState } from 'react';
 import { AppState, View } from 'react-native';
 import { SafeAreaProvider } from 'react-native-safe-area-context';
 import { useAuthStore } from '../stores/auth.store';
 import { useSecurityStore } from '../src/security/security.store';
 import { biometricService } from '../src/security/biometric.service';
 import { BiometricGate } from '../src/components/BiometricGate';
-import { walletService } from '../services/wallet.service';
+import { initPromise } from '../src/locales/i18n';
 import '../global.css';
 
 const IDLE_TIMEOUT_MS = 5 * 60 * 1000;
@@ -31,6 +31,7 @@ function useAuthGuard() {
 }
 
 export default function RootLayout() {
+  const [i18nReady, setI18nReady] = useState(false);
   const hydrate = useAuthStore((s) => s.hydrate);
   const isAuthenticated = useAuthStore((s) => s.isAuthenticated);
   const isLoading = useAuthStore((s) => s.isLoading);
@@ -58,7 +59,7 @@ export default function RootLayout() {
 
   useEffect(() => {
     void hydrate();
-    void walletService.initialize();
+    initPromise.then(() => setI18nReady(true));
   }, [hydrate]);
 
   useAuthGuard();
@@ -106,7 +107,7 @@ export default function RootLayout() {
     }
   }, [isLocked, isAuthenticated, startIdleTimer]);
 
-  if (isLoading) {
+  if (isLoading || !i18nReady) {
     return null;
   }
 
diff --git a/components/reputation/ReputationProgressWidget.tsx b/components/reputation/ReputationProgressWidget.tsx
index fe4d23a..7d57155 100644
--- a/components/reputation/ReputationProgressWidget.tsx
+++ b/components/reputation/ReputationProgressWidget.tsx
@@ -4,8 +4,10 @@ import { useRouter } from 'expo-router';
 import { TrendingUp, ChevronRight } from 'lucide-react-native';
 import { colors } from '../../constants/colors';
 import { useUserStore } from '../../stores/user.store';
+import { useTranslation } from '../../hooks/useTranslation';
 
 export function ReputationProgressWidget() {
+  const { t } = useTranslation();
   const router = useRouter();
   const reputation = useUserStore((s) => s.reputation);
 
@@ -14,20 +16,22 @@ export function ReputationProgressWidget() {
   const currentScore = reputation.score;
   const currentTier = reputation.tier.toLowerCase();
   
-  let nextTier = 'Max';
+  const tierNames = t('tierNames', { returnObjects: true }) as string[];
+
+  let nextTier = t('components.reputationWidget.maxTier');
   let nextThreshold = 100;
   
   if (currentTier === 'starter') {
-    nextTier = 'Bronze';
+    nextTier = tierNames[1] ?? 'Bronze';
     nextThreshold = 20;
   } else if (currentTier === 'bronze') {
-    nextTier = 'Silver';
+    nextTier = tierNames[2] ?? 'Silver';
     nextThreshold = 50;
   } else if (currentTier === 'silver') {
-    nextTier = 'Gold';
+    nextTier = tierNames[3] ?? 'Gold';
     nextThreshold = 80;
   } else if (currentTier === 'gold') {
-    nextTier = 'Top';
+    nextTier = t('components.reputationWidget.topTier');
     nextThreshold = 100;
   }
 
@@ -59,10 +63,10 @@ export function ReputationProgressWidget() {
           </View>
           <View>
             <Text className="text-base font-bold" style={{ color: colors.textPrimary }}>
-              Reputation
+              {t('components.reputationWidget.reputation')}
             </Text>
             <Text className="text-xs" style={{ color: colors.textMuted }}>
-              Your trust on StepFi
+              {t('components.reputationWidget.subtitle')}
             </Text>
           </View>
         </View>
@@ -75,7 +79,7 @@ export function ReputationProgressWidget() {
             {currentScore}
           </Text>
           <Text className="text-xs" style={{ color: colors.textMuted }}>
-            / {nextThreshold} to {nextTier}
+            {t('components.reputationWidget.progressTo', { threshold: nextThreshold, tier: nextTier })}
           </Text>
         </View>
         <View 
@@ -83,7 +87,7 @@ export function ReputationProgressWidget() {
           style={{ backgroundColor: colors.brandBlue + '10' }}
         >
           <Text className="text-[10px] font-bold uppercase tracking-wider" style={{ color: colors.brandBlue }}>
-            {reputation.tier} Tier
+            {(tierNames[['starter', 'bronze', 'silver', 'gold'].indexOf(currentTier)] ?? reputation.tier)} {t('components.reputationWidget.tier')}
           </Text>
         </View>
       </View>
diff --git a/hooks/useTranslation.ts b/hooks/useTranslation.ts
new file mode 100644
index 0000000..f9ded0d
--- /dev/null
+++ b/hooks/useTranslation.ts
@@ -0,0 +1,21 @@
+import { useTranslation as useI18nTranslation } from 'react-i18next';
+import { useCallback } from 'react';
+import i18n from '../src/locales/i18n';
+
+export function useTranslation() {
+  const { t, i18n: i18nInstance } = useI18nTranslation();
+
+  const changeLanguage = useCallback(
+    async (lang: string) => {
+      await i18nInstance.changeLanguage(lang);
+    },
+    [i18nInstance],
+  );
+
+  const currentLanguage = i18nInstance.language?.split('-')[0] ?? 'en';
+  const rtl = ['ar', 'he', 'fa', 'ur'].includes(currentLanguage);
+
+  return { t, i18n: i18nInstance, changeLanguage, currentLanguage, isRTL: rtl };
+}
+
+export { i18n };
diff --git a/package-lock.json b/package-lock.json
index d810a73..262dd28 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -22,14 +22,17 @@
         "expo-image-picker": "~17.0.11",
         "expo-linking": "~8.0.12",
         "expo-local-authentication": "~17.0.8",
+        "expo-localization": "^56.0.6",
         "expo-notifications": "~0.32.17",
         "expo-router": "~6.0.23",
         "expo-secure-store": "~15.0.8",
         "expo-status-bar": "~3.0.8",
+        "i18next": "^26.3.1",
         "lucide-react-native": "^0.562.0",
         "nativewind": "latest",
         "react": "19.1.0",
         "react-dom": "19.1.0",
+        "react-i18next": "^17.0.8",
         "react-native": "0.81.5",
         "react-native-keyboard-aware-scroll-view": "^0.9.5",
         "react-native-reanimated": "~4.1.1",
@@ -1495,10 +1498,9 @@
       }
     },
     "node_modules/@babel/runtime": {
-      "version": "7.28.6",
-      "resolved": "https://registry.npmjs.org/@babel/runtime/-/runtime-7.28.6.tgz",
-      "integrity": "sha512-05WQkdpL9COIMz4LjTxGpPNCdlpyimKppYNoJ5Di5EUObifl8t4tuLuUBBZEpoLYOmfvIWrsp9fCl0HoPRVTdA==",
-      "license": "MIT",
+      "version": "7.29.7",
+      "resolved": "https://registry.npmjs.org/@babel/runtime/-/runtime-7.29.7.tgz",
+      "integrity": "sha512-Nq8OhGWiZIZGV6hLHoyAKLLcJihP/xFeBMGJoUrxTX2psI8dCifzLhZISFb+VWS3wFMRDmCGw5R+dOySCqPLhw==",
       "engines": {
         "node": ">=6.9.0"
       }
@@ -8047,6 +8049,18 @@
         "expo": "*"
       }
     },
+    "node_modules/expo-localization": {
+      "version": "56.0.6",
+      "resolved": "https://registry.npmjs.org/expo-localization/-/expo-localization-56.0.6.tgz",
+      "integrity": "sha512-zzBVoUFHCVNBywcxGsspoZeIXebihOo/AnmQYE4jMv8gHCSKlLNFT+ft+0+mWcZCMs9necvUs8S8TDonAu/xBA==",
+      "dependencies": {
+        "rtl-detect": "^1.0.2"
+      },
+      "peerDependencies": {
+        "expo": "*",
+        "react": "*"
+      }
+    },
     "node_modules/expo-modules-autolinking": {
       "version": "3.0.25",
       "resolved": "https://registry.npmjs.org/expo-modules-autolinking/-/expo-modules-autolinking-3.0.25.tgz",
@@ -9374,6 +9388,14 @@
       "dev": true,
       "license": "MIT"
     },
+    "node_modules/html-parse-stringify": {
+      "version": "3.0.1",
+      "resolved": "https://registry.npmjs.org/html-parse-stringify/-/html-parse-stringify-3.0.1.tgz",
+      "integrity": "sha512-KknJ50kTInJ7qIScF3jeaFRpMpE8/lfiTdzf/twXyPBLAGrLRTmkz3AdTnKeh40X8k9L2fdYwEp/42WGXIRGcg==",
+      "dependencies": {
+        "void-elements": "3.1.0"
+      }
+    },
     "node_modules/http-errors": {
       "version": "2.0.1",
       "resolved": "https://registry.npmjs.org/http-errors/-/http-errors-2.0.1.tgz",
@@ -9460,6 +9482,33 @@
       "integrity": "sha512-WDC/ui2VVRrz3jOVi+XtjqkDjiVjTtFaAGiW37k6b+ohyQ5wYDOGkvCZa8+H0nx3gyvv0+BST9xuOgIyGQ00gw==",
       "license": "BSD-3-Clause"
     },
+    "node_modules/i18next": {
+      "version": "26.3.1",
+      "resolved": "https://registry.npmjs.org/i18next/-/i18next-26.3.1.tgz",
+      "integrity": "sha512-txQqd5EULsqEh9OJqRH15aCaOuy/nLJyhw5EHCSKLKJE1aBbb3Zve2+uQIxgWhPm1QqUQoWyQBm2kfmmIrzkcQ==",
+      "funding": [
+        {
+          "type": "individual",
+          "url": "https://www.locize.com/i18next"
+        },
+        {
+          "type": "individual",
+          "url": "https://www.i18next.com/how-to/faq#i18next-is-awesome.-how-can-i-support-the-project"
+        },
+        {
+          "type": "individual",
+          "url": "https://www.locize.com"
+        }
+      ],
+      "peerDependencies": {
+        "typescript": "^5 || ^6"
+      },
+      "peerDependenciesMeta": {
+        "typescript": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/iconv-lite": {
       "version": "0.6.3",
       "resolved": "https://registry.npmjs.org/iconv-lite/-/iconv-lite-0.6.3.tgz",
@@ -13979,6 +14028,32 @@
         "react": ">=17.0.0"
       }
     },
+    "node_modules/react-i18next": {
+      "version": "17.0.8",
+      "resolved": "https://registry.npmjs.org/react-i18next/-/react-i18next-17.0.8.tgz",
+      "integrity": "sha512-0ooKbGLU8JXhe1zwpQUWIeXSgLPOfwJmgheWRIUpcoA0CpyabpGhayjdG+/eA5esC1AQ8h2jWpXjJfzQzeDOCw==",
+      "dependencies": {
+        "@babel/runtime": "^7.29.2",
+        "html-parse-stringify": "^3.0.1",
+        "use-sync-external-store": "^1.6.0"
+      },
+      "peerDependencies": {
+        "i18next": ">= 26.2.0",
+        "react": ">= 16.8.0",
+        "typescript": "^5 || ^6"
+      },
+      "peerDependenciesMeta": {
+        "react-dom": {
+          "optional": true
+        },
+        "react-native": {
+          "optional": true
+        },
+        "typescript": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/react-is": {
       "version": "19.2.3",
       "resolved": "https://registry.npmjs.org/react-is/-/react-is-19.2.3.tgz",
@@ -14736,6 +14811,11 @@
         "url": "https://github.com/sponsors/isaacs"
       }
     },
+    "node_modules/rtl-detect": {
+      "version": "1.1.2",
+      "resolved": "https://registry.npmjs.org/rtl-detect/-/rtl-detect-1.1.2.tgz",
+      "integrity": "sha512-PGMBq03+TTG/p/cRB7HCLKJ1MgDIi07+QU1faSjiYRfmY5UsAttV9Hs08jDAHVwcOwmVLcSJkpwyfXszVjWfIQ=="
+    },
     "node_modules/run-parallel": {
       "version": "1.2.0",
       "resolved": "https://registry.npmjs.org/run-parallel/-/run-parallel-1.2.0.tgz",
@@ -16915,6 +16995,14 @@
       "integrity": "sha512-gQpnTgkubC6hQgdIcRdYGDSDc+SaujOdyesZQMv6JlfQee/9Mp0Qhnys6WxDWvQnL5WZdT7o2Ul187aSt0Rq+w==",
       "license": "MIT"
     },
+    "node_modules/void-elements": {
+      "version": "3.1.0",
+      "resolved": "https://registry.npmjs.org/void-elements/-/void-elements-3.1.0.tgz",
+      "integrity": "sha512-Dhxzh5HZuiHQhbvTW9AMetFfBHDMYpo23Uo9btPXgdYP+3T5S+p+jgNy7spra+veYhBP2dCSgxR/i2Y02h5/6w==",
+      "engines": {
+        "node": ">=0.10.0"
+      }
+    },
     "node_modules/w3c-xmlserializer": {
       "version": "4.0.0",
       "resolved": "https://registry.npmjs.org/w3c-xmlserializer/-/w3c-xmlserializer-4.0.0.tgz",
diff --git a/package.json b/package.json
index ed3d4b9..f5f8989 100644
--- a/package.json
+++ b/package.json
@@ -26,14 +26,17 @@
     "expo-image-picker": "~17.0.11",
     "expo-linking": "~8.0.12",
     "expo-local-authentication": "~17.0.8",
+    "expo-localization": "^56.0.6",
     "expo-notifications": "~0.32.17",
     "expo-router": "~6.0.23",
     "expo-secure-store": "~15.0.8",
     "expo-status-bar": "~3.0.8",
+    "i18next": "^26.3.1",
     "lucide-react-native": "^0.562.0",
     "nativewind": "latest",
     "react": "19.1.0",
     "react-dom": "19.1.0",
+    "react-i18next": "^17.0.8",
     "react-native": "0.81.5",
     "react-native-keyboard-aware-scroll-view": "^0.9.5",
     "react-native-reanimated": "~4.1.1",
diff --git a/src/locales/en.json b/src/locales/en.json
new file mode 100644
index 0000000..d0ede86
--- /dev/null
+++ b/src/locales/en.json
@@ -0,0 +1,226 @@
+{
+  "common": {
+    "somethingWentWrong": "Something went wrong",
+    "tryAgain": "Try again",
+    "cancel": "Cancel",
+    "dismiss": "Dismiss",
+    "next": "Next",
+    "save": "Saving...",
+    "continue": "Continue",
+    "active": "Active",
+    "paid": "Paid",
+    "pending": "Pending",
+    "due": "Due",
+    "loanNumber": "Loan #{{id}}"
+  },
+  "tabs": {
+    "home": "Home",
+    "loans": "Loans",
+    "calendar": "Calendar",
+    "score": "Score",
+    "settings": "Settings"
+  },
+  "home": {
+    "greeting": "there",
+    "availableCredit": "Available Credit",
+    "activeLimit": "Active Limit",
+    "used": "Used",
+    "limit": "Limit",
+    "apply": "Apply",
+    "pay": "Pay",
+    "history": "History",
+    "vouches": "Vouches",
+    "activeLoans": "Active Loans",
+    "remainingBalance": "Remaining Balance",
+    "active": "Active",
+    "noActiveLoans": "No active loans",
+    "upcomingPayments": "Upcoming Payments",
+    "installment": "Installment",
+    "due": "Due",
+    "payNow": "Pay Now",
+    "noUpcomingPayments": "No upcoming payments",
+    "errorLoading": "Could not load your dashboard. Please try again."
+  },
+  "loans": {
+    "myLoans": "My Loans",
+    "active": "Active",
+    "paid": "Paid",
+    "pending": "Pending",
+    "totalAmount": "Total amount",
+    "remaining": "Remaining",
+    "installments": "Installments",
+    "installmentsPaid": "{{paid}} of {{total}} paid",
+    "statusActive": "Active",
+    "statusPaid": "Paid",
+    "statusDefaulted": "Defaulted",
+    "statusPending": "Pending",
+    "statusCancelled": "Cancelled",
+    "noLoansYet": "No loans yet",
+    "noLoansMessage": "Apply for your first loan to finance laptops, courses, and dev tools.",
+    "applyNow": "Apply now",
+    "errorLoading": "Could not load your loans. Please try again."
+  },
+  "calendar": {
+    "calendar": "Calendar",
+    "paymentStreak": "Payment Streak",
+    "paymentStreakDesc": "Consecutive on-time payments",
+    "due": "Due",
+    "paid": "Paid",
+    "noPaymentsOnDay": "No payments on this day",
+    "noPaymentsScheduled": "No payments scheduled",
+    "noPaymentsMessage": "Your active loans will appear here with their payment due dates.",
+    "calendarExported": "Calendar Exported",
+    "calendarExportedMessage": "Payment dates have been added to your calendar.",
+    "permissionRequired": "Permission Required",
+    "permissionRequiredMessage": "Calendar access was not granted. Please enable it in settings.",
+    "remindersSet": "Reminders Set",
+    "remindersSetMessage": "Payment reminders have been scheduled 14, 7, 3, and 1 day before each due date.",
+    "eventPaid": "Paid",
+    "eventDue": "Due",
+    "payment": "payment",
+    "payments": "payments"
+  },
+  "reputation": {
+    "reputationScore": "Reputation Score",
+    "scoreOutOf": "/ 100",
+    "tier": "Tier",
+    "interestRate": "Interest rate",
+    "basedOnTier": "Based on your tier",
+    "maxCredit": "Max credit",
+    "yourCreditLimit": "Your credit limit",
+    "howToImprove": "How to improve your score",
+    "getVouched": "Get Vouched",
+    "vouchDescription": "Get vouched by a mentor to increase your credit limit by 10% per vouch (max 3 vouches).",
+    "vouchFailed": "Vouch failed",
+    "vouchSubmitted": "Vouch submitted",
+    "txLabel": "TX:",
+    "submittingVouch": "Submitting vouch...",
+    "requestVouch": "Request Vouch",
+    "noReputationData": "No reputation data",
+    "noReputationMessage": "Your trust score will appear here after your first loan activity.",
+    "descGold": "Excellent trust — lowest interest rates and highest credit limits.",
+    "descSilver": "Good trust — competitive rates and solid credit limits.",
+    "descBronze": "Growing trust — moderate rates. Keep paying on time!",
+    "descStarter": "Just getting started — build trust with your first loan.",
+    "descDefault": "Build your trust score by using StepFi.",
+    "tip1": "Pay installments on time to increase your score",
+    "tip2": "Avoid late payments — each one reduces your score",
+    "tip3": "Get vouched by a mentor to boost your credit limit",
+    "tip4": "Complete more loans to build a strong payment history"
+  },
+  "settings": {
+    "settings": "Settings",
+    "account": "Account",
+    "security": "Security",
+    "support": "Support",
+    "editProfile": "Edit Profile",
+    "editProfileSubtitle": "Update your personal information",
+    "notifications": "Notifications",
+    "notificationsSubtitle": "Payment reminders and updates",
+    "biometricLock": "Biometric Lock",
+    "biometricActive": "Lock screen is active",
+    "biometricPinOnly": "PIN-only mode",
+    "biometricRequireAuth": "Require authentication to open app",
+    "helpSupport": "Help & Support",
+    "helpSupportSubtitle": "FAQs and contact support",
+    "aboutStepfi": "About StepFi",
+    "aboutStepfiSubtitle": "Version, terms, and privacy",
+    "signOut": "Sign out",
+    "signOutSubtitle": "Disconnect wallet and sign out",
+    "signOutTitle": "Sign out",
+    "signOutMessage": "Are you sure you want to sign out? You will need to reconnect your wallet.",
+    "signOutConfirm": "Sign out",
+    "disableBiometricTitle": "Disable biometric lock",
+    "disableBiometricMessage": "Are you sure? Your PIN will also be removed.",
+    "disableBiometricConfirm": "Disable",
+    "setPin": "Set PIN",
+    "confirmPin": "Confirm PIN",
+    "setPinDescription": "Enter a 4-6 digit PIN for fallback access",
+    "confirmPinDescription": "Re-enter your PIN to confirm",
+    "pinErrorLength": "PIN must be 4-6 digits",
+    "pinErrorMatch": "PINs do not match",
+    "pinNext": "Next",
+    "pinConfirmEnable": "Confirm & Enable",
+    "pinCancel": "Cancel",
+    "pinPlaceholderEnter": "Enter PIN",
+    "pinPlaceholderReenter": "Re-enter PIN",
+    "notConnected": "Not connected",
+    "versionLabel": "StepFi v1.0.0",
+    "language": "Language",
+    "defaultName": "StepFi User",
+    "defaultRole": "Learner"
+  },
+  "auth": {
+    "signIn": {
+      "stepfi": "StepFi",
+      "stepIntoFuture": "Step into your future.",
+      "creditWithoutBanks": "Credit without banks. Progress without limits.",
+      "financeWhatYouNeed": "Finance what you need.",
+      "signInWithWallet": "Sign in with your Stellar wallet. No passwords.",
+      "financeLaptops": "Finance laptops, courses, and dev tools.",
+      "repayInstallments": "Repay in installments. Build your reputation.",
+      "yourScoreYourTerms": "Your score. Your terms.",
+      "payOnTime": "Pay on time. Score goes up. Rates go down.",
+      "connectYourWallet": "Connect your wallet.",
+      "noPasswords": "No passwords. No email. Just your Stellar wallet.",
+      "connecting": "Connecting...",
+      "connectStellarWallet": "Connect Stellar Wallet",
+      "dontHaveWallet": "Don't have a wallet?",
+    "walletLobstr": "Lobstr",
+    "walletXbull": "xBull",
+    "score": "Score",
+    "rate": "Rate",
+    "max": "Max"
+    },
+    "roleSelect": {
+      "title": "How will you use StepFi?",
+      "subtitle": "Choose your role. You can switch anytime in settings.",
+      "learnerTitle": "I'm a Learner",
+      "learnerSubtitle": "Finance laptops, courses, and dev tools. Build your reputation with every payment.",
+      "learnerPill1": "Borrow",
+      "learnerPill2": "Repay",
+      "learnerPill3": "Build Credit",
+      "sponsorTitle": "I'm a Sponsor",
+      "sponsorSubtitle": "Fund the learner lending pool. Earn yield while supporting the next generation of developers.",
+      "sponsorPill1": "Deposit",
+      "sponsorPill2": "Earn Yield",
+      "sponsorPill3": "Support Learners"
+    },
+    "register": {
+      "title": "Tell us about yourself",
+      "subtitleMatch": "This helps us match you with the right {{role}}.",
+      "sponsors": "sponsors",
+      "learners": "learners",
+      "changePhoto": "Change Photo",
+      "displayName": "Display Name",
+      "displayNamePlaceholder": "e.g. AlexLearnsWeb3",
+      "school": "School/Institution",
+      "schoolPlaceholder": "e.g. University of Blockchain",
+      "program": "Program/Course",
+      "programPlaceholder": "e.g. Smart Contract Development",
+      "incomeType": "Income Type (optional)",
+      "incomeTypePlaceholder": "e.g. Stipend, Freelance, Part-time",
+      "organization": "Organization",
+      "organizationPlaceholder": "e.g. Stellar Development Foundation",
+      "investmentFocus": "Investment Focus (optional)",
+      "investmentFocusPlaceholder": "e.g. Education, Dev tools, Africa",
+      "walletAddress": "Wallet address",
+      "notConnected": "Not connected",
+      "saving": "Saving...",
+      "continue": "Continue"
+    }
+  },
+  "components": {
+    "reputationWidget": {
+      "reputation": "Reputation",
+      "subtitle": "Your trust on StepFi",
+      "progressTo": "/ {{threshold}} to {{tier}}",
+      "tier": "Tier",
+      "maxTier": "Max",
+      "topTier": "Top"
+    }
+  },
+  "weekdayHeaders": ["Sun", "Mon", "Tue", "Wed", "Thu", "Fri", "Sat"],
+  "monthNames": ["January", "February", "March", "April", "May", "June", "July", "August", "September", "October", "November", "December"],
+  "tierNames": ["Starter", "Bronze", "Silver", "Gold"]
+}
diff --git a/src/locales/fr.json b/src/locales/fr.json
new file mode 100644
index 0000000..ae1abae
--- /dev/null
+++ b/src/locales/fr.json
@@ -0,0 +1,226 @@
+{
+  "common": {
+    "somethingWentWrong": "Une erreur s'est produite",
+    "tryAgain": "Réessayer",
+    "cancel": "Annuler",
+    "dismiss": "Ignorer",
+    "next": "Suivant",
+    "save": "Enregistrement...",
+    "continue": "Continuer",
+    "active": "Actif",
+    "paid": "Payé",
+    "pending": "En attente",
+    "due": "Dû",
+    "loanNumber": "Prêt n°{{id}}"
+  },
+  "tabs": {
+    "home": "Accueil",
+    "loans": "Prêts",
+    "calendar": "Calendrier",
+    "score": "Score",
+    "settings": "Paramètres"
+  },
+  "home": {
+    "greeting": "bonjour",
+    "availableCredit": "Crédit disponible",
+    "activeLimit": "Limite active",
+    "used": "Utilisé",
+    "limit": "Limite",
+    "apply": "Demander",
+    "pay": "Payer",
+    "history": "Historique",
+    "vouches": "Recommandations",
+    "activeLoans": "Prêts actifs",
+    "remainingBalance": "Solde restant",
+    "active": "Actif",
+    "noActiveLoans": "Aucun prêt actif",
+    "upcomingPayments": "Paiements à venir",
+    "installment": "Échéance",
+    "due": "Échéance",
+    "payNow": "Payer maintenant",
+    "noUpcomingPayments": "Aucun paiement à venir",
+    "errorLoading": "Impossible de charger votre tableau de bord. Veuillez réessayer."
+  },
+  "loans": {
+    "myLoans": "Mes prêts",
+    "active": "Actifs",
+    "paid": "Payés",
+    "pending": "En attente",
+    "totalAmount": "Montant total",
+    "remaining": "Restant",
+    "installments": "Échéances",
+    "installmentsPaid": "{{paid}} sur {{total}} payés",
+    "statusActive": "Actif",
+    "statusPaid": "Payé",
+    "statusDefaulted": "Défaillant",
+    "statusPending": "En attente",
+    "statusCancelled": "Annulé",
+    "noLoansYet": "Pas encore de prêts",
+    "noLoansMessage": "Faites votre première demande pour financer des ordinateurs, des cours et des outils de développement.",
+    "applyNow": "Postuler maintenant",
+    "errorLoading": "Impossible de charger vos prêts. Veuillez réessayer."
+  },
+  "calendar": {
+    "calendar": "Calendrier",
+    "paymentStreak": "Série de paiements",
+    "paymentStreakDesc": "Paiements consécutifs à temps",
+    "due": "Dû",
+    "paid": "Payé",
+    "noPaymentsOnDay": "Aucun paiement ce jour",
+    "noPaymentsScheduled": "Aucun paiement planifié",
+    "noPaymentsMessage": "Vos prêts actifs apparaîtront ici avec leurs dates d'échéance.",
+    "calendarExported": "Calendrier exporté",
+    "calendarExportedMessage": "Les dates de paiement ont été ajoutées à votre calendrier.",
+    "permissionRequired": "Permission requise",
+    "permissionRequiredMessage": "L'accès au calendrier n'a pas été accordé. Veuillez l'activer dans les paramètres.",
+    "remindersSet": "Rappels configurés",
+    "remindersSetMessage": "Les rappels de paiement ont été programmés 14, 7, 3 et 1 jour avant chaque échéance.",
+    "eventPaid": "Payé",
+    "eventDue": "Dû",
+    "payment": "paiement",
+    "payments": "paiements"
+  },
+  "reputation": {
+    "reputationScore": "Score de réputation",
+    "scoreOutOf": "/ 100",
+    "tier": "Niveau",
+    "interestRate": "Taux d'intérêt",
+    "basedOnTier": "Basé sur votre niveau",
+    "maxCredit": "Crédit max",
+    "yourCreditLimit": "Votre limite de crédit",
+    "howToImprove": "Comment améliorer votre score",
+    "getVouched": "Se faire recommander",
+    "vouchDescription": "Faites-vous recommander par un mentor pour augmenter votre limite de crédit de 10% par recommandation (max 3).",
+    "vouchFailed": "Recommandation échouée",
+    "vouchSubmitted": "Recommandation soumise",
+    "txLabel": "TX :",
+    "submittingVouch": "Soumission de la recommandation...",
+    "requestVouch": "Demander une recommandation",
+    "noReputationData": "Aucune donnée de réputation",
+    "noReputationMessage": "Votre score de confiance apparaîtra ici après votre première activité de prêt.",
+    "descGold": "Confiance excellente — taux d'intérêt les plus bas et limites de crédit les plus élevées.",
+    "descSilver": "Bonne confiance — taux compétitifs et limites de crédit solides.",
+    "descBronze": "Confiance croissante — taux modérés. Continuez à payer à temps !",
+    "descStarter": "Vous débutez — bâtissez la confiance avec votre premier prêt.",
+    "descDefault": "Construisez votre score de confiance en utilisant StepFi.",
+    "tip1": "Payer les échéances à temps pour augmenter votre score",
+    "tip2": "Évitez les retards de paiement — chacun réduit votre score",
+    "tip3": "Faites-vous recommander par un mentor pour booster votre crédit",
+    "tip4": "Effectuez plus de prêts pour construire un historique solide"
+  },
+  "settings": {
+    "settings": "Paramètres",
+    "account": "Compte",
+    "security": "Sécurité",
+    "support": "Assistance",
+    "editProfile": "Modifier le profil",
+    "editProfileSubtitle": "Mettre à jour vos informations personnelles",
+    "notifications": "Notifications",
+    "notificationsSubtitle": "Rappels de paiement et mises à jour",
+    "biometricLock": "Verrouillage biométrique",
+    "biometricActive": "L'écran de verrouillage est actif",
+    "biometricPinOnly": "Mode code PIN uniquement",
+    "biometricRequireAuth": "Exiger une authentification pour ouvrir l'app",
+    "helpSupport": "Aide et assistance",
+    "helpSupportSubtitle": "FAQ et contacter le support",
+    "aboutStepfi": "À propos de StepFi",
+    "aboutStepfiSubtitle": "Version, conditions et confidentialité",
+    "signOut": "Se déconnecter",
+    "signOutSubtitle": "Déconnecter le portefeuille et se déconnecter",
+    "signOutTitle": "Déconnexion",
+    "signOutMessage": "Êtes-vous sûr de vouloir vous déconnecter ? Vous devrez reconnecter votre portefeuille.",
+    "signOutConfirm": "Se déconnecter",
+    "disableBiometricTitle": "Désactiver le verrouillage biométrique",
+    "disableBiometricMessage": "Êtes-vous sûr ? Votre code PIN sera également supprimé.",
+    "disableBiometricConfirm": "Désactiver",
+    "setPin": "Définir le code PIN",
+    "confirmPin": "Confirmer le code PIN",
+    "setPinDescription": "Entrez un code PIN de 4 à 6 chiffres pour l'accès de secours",
+    "confirmPinDescription": "Saisissez à nouveau votre code PIN pour confirmer",
+    "pinErrorLength": "Le code PIN doit comporter 4 à 6 chiffres",
+    "pinErrorMatch": "Les codes PIN ne correspondent pas",
+    "pinNext": "Suivant",
+    "pinConfirmEnable": "Confirmer et activer",
+    "pinCancel": "Annuler",
+    "pinPlaceholderEnter": "Entrer le code PIN",
+    "pinPlaceholderReenter": "Resaisir le code PIN",
+    "notConnected": "Non connecté",
+    "versionLabel": "StepFi v1.0.0",
+    "language": "Langue",
+    "defaultName": "Utilisateur StepFi",
+    "defaultRole": "Apprenant"
+  },
+  "auth": {
+    "signIn": {
+      "stepfi": "StepFi",
+      "stepIntoFuture": "Entrez dans votre avenir.",
+      "creditWithoutBanks": "Du crédit sans banque. Une progression sans limites.",
+      "financeWhatYouNeed": "Financez ce dont vous avez besoin.",
+      "signInWithWallet": "Connectez-vous avec votre portefeuille Stellar. Pas de mots de passe.",
+      "financeLaptops": "Financez des ordinateurs, des cours et des outils de développement.",
+      "repayInstallments": "Remboursez en échéances. Construisez votre réputation.",
+      "yourScoreYourTerms": "Votre score. Vos conditions.",
+      "payOnTime": "Payez à temps. Le score augmente. Les taux baissent.",
+      "connectYourWallet": "Connectez votre portefeuille.",
+      "noPasswords": "Pas de mots de passe. Pas d'email. Juste votre portefeuille Stellar.",
+      "connecting": "Connexion...",
+      "connectStellarWallet": "Connecter un portefeuille Stellar",
+      "dontHaveWallet": "Vous n'avez pas de portefeuille ?",
+    "walletLobstr": "Lobstr",
+    "walletXbull": "xBull",
+    "score": "Score",
+    "rate": "Taux",
+    "max": "Max"
+    },
+    "roleSelect": {
+      "title": "Comment allez-vous utiliser StepFi ?",
+      "subtitle": "Choisissez votre rôle. Vous pouvez changer à tout moment dans les paramètres.",
+      "learnerTitle": "Je suis un apprenant",
+      "learnerSubtitle": "Financez des ordinateurs, des cours et des outils de développement. Construisez votre réputation à chaque paiement.",
+      "learnerPill1": "Emprunter",
+      "learnerPill2": "Rembourser",
+      "learnerPill3": "Construire du crédit",
+      "sponsorTitle": "Je suis un sponsor",
+      "sponsorSubtitle": "Financez le pool de prêts aux apprenants. Gagnez un rendement tout en soutenant la prochaine génération de développeurs.",
+      "sponsorPill1": "Déposer",
+      "sponsorPill2": "Gagner un rendement",
+      "sponsorPill3": "Soutenir les apprenants"
+    },
+    "register": {
+      "title": "Parlez-nous de vous",
+      "subtitleMatch": "Cela nous aide à vous mettre en relation avec les bons {{role}}.",
+      "sponsors": "sponsors",
+      "learners": "apprenants",
+      "changePhoto": "Changer la photo",
+      "displayName": "Nom d'affichage",
+      "displayNamePlaceholder": "ex. AlexLearnsWeb3",
+      "school": "École/Institution",
+      "schoolPlaceholder": "ex. Université de la Blockchain",
+      "program": "Programme/Cours",
+      "programPlaceholder": "ex. Développement de contrats intelligents",
+      "incomeType": "Type de revenu (optionnel)",
+      "incomeTypePlaceholder": "ex. Bourse, Freelance, Temps partiel",
+      "organization": "Organisation",
+      "organizationPlaceholder": "ex. Fondation Stellar Development",
+      "investmentFocus": "Focus d'investissement (optionnel)",
+      "investmentFocusPlaceholder": "ex. Éducation, Outils de développement, Afrique",
+      "walletAddress": "Adresse du portefeuille",
+      "notConnected": "Non connecté",
+      "saving": "Enregistrement...",
+      "continue": "Continuer"
+    }
+  },
+  "components": {
+    "reputationWidget": {
+      "reputation": "Réputation",
+      "subtitle": "Votre confiance sur StepFi",
+      "progressTo": "/ {{threshold}} vers {{tier}}",
+      "tier": "Niveau",
+      "maxTier": "Max",
+      "topTier": "Excellent"
+    }
+  },
+  "weekdayHeaders": ["Dim", "Lun", "Mar", "Mer", "Jeu", "Ven", "Sam"],
+  "monthNames": ["Janvier", "Février", "Mars", "Avril", "Mai", "Juin", "Juillet", "Août", "Septembre", "Octobre", "Novembre", "Décembre"],
+  "tierNames": ["Débutant", "Bronze", "Argent", "Or"]
+}
diff --git a/src/locales/i18n.ts b/src/locales/i18n.ts
new file mode 100644
index 0000000..ef17c3a
--- /dev/null
+++ b/src/locales/i18n.ts
@@ -0,0 +1,124 @@
+import i18n from 'i18next';
+import { initReactI18next } from 'react-i18next';
+import { getLocales } from 'expo-localization';
+import * as SecureStore from 'expo-secure-store';
+import { Platform } from 'react-native';
+
+import en from './en.json';
+import fr from './fr.json';
+import pt from './pt.json';
+
+const LANG_KEY = 'stepfi_language';
+
+const languageDetector = {
+  type: 'languageDetector' as const,
+  async: true,
+  detect: async (callback: (lang: string) => void) => {
+    let lang: string | null = null;
+    try {
+      if (Platform.OS === 'web') {
+        lang = localStorage.getItem(LANG_KEY);
+      } else {
+        lang = await SecureStore.getItemAsync(LANG_KEY);
+      }
+    } catch {}
+    if (!lang) {
+      try {
+        const locales = getLocales();
+        lang = locales?.[0]?.languageCode ?? 'en';
+      } catch {
+        lang = 'en';
+      }
+    }
+    callback(lang ?? 'en');
+  },
+  init: () => {},
+  cacheUserLanguage: async (lang: string) => {
+    try {
+      if (Platform.OS === 'web') {
+        localStorage.setItem(LANG_KEY, lang);
+      } else {
+        await SecureStore.setItemAsync(LANG_KEY, lang);
+      }
+    } catch {}
+  },
+};
+
+const initPromise = i18n
+  .use(languageDetector)
+  .use(initReactI18next)
+  .init({
+    fallbackLng: 'en',
+    resources: {
+      en: { translation: en },
+      fr: { translation: fr },
+      pt: { translation: pt },
+    },
+    interpolation: {
+      escapeValue: false,
+      format: (value: unknown, format?: string, lng?: string) => {
+        if (format === 'number') {
+          return new Intl.NumberFormat(lng).format(value as number);
+        }
+        if (format === 'currency') {
+          return new Intl.NumberFormat(lng, {
+            style: 'currency',
+            currency: 'USD',
+          }).format(value as number);
+        }
+        if (format === 'dateShort') {
+          return new Intl.DateTimeFormat(lng, {
+            month: 'short',
+            day: 'numeric',
+          }).format(value as Date);
+        }
+        if (format === 'dateLong') {
+          return new Intl.DateTimeFormat(lng, {
+            weekday: 'long',
+            month: 'long',
+            day: 'numeric',
+          }).format(value as Date);
+        }
+        if (format === 'dateFull') {
+          return new Intl.DateTimeFormat(lng, {
+            month: 'short',
+            day: 'numeric',
+            year: 'numeric',
+          }).format(value as Date);
+        }
+        return value;
+      },
+    } as any,
+    react: {
+      useSuspense: false,
+    },
+    returnObjects: true,
+    returnNull: false,
+  });
+
+export function formatCurrency(amount: number): string {
+  const lng = i18n.language ?? 'en';
+  return new Intl.NumberFormat(lng, {
+    style: 'currency',
+    currency: 'USD',
+  }).format(amount);
+}
+
+export function formatDate(date: Date, format: 'short' | 'long' | 'full'): string {
+  const lng = i18n.language ?? 'en';
+  const options: Intl.DateTimeFormatOptions =
+    format === 'short'
+      ? { month: 'short', day: 'numeric' }
+      : format === 'long'
+        ? { weekday: 'long', month: 'long', day: 'numeric' }
+        : { month: 'short', day: 'numeric', year: 'numeric' };
+  return new Intl.DateTimeFormat(lng, options).format(date);
+}
+
+export function isRTL(language?: string): boolean {
+  const lang = (language ?? i18n.language ?? 'en').split('-')[0];
+  return ['ar', 'he', 'fa', 'ur'].includes(lang);
+}
+
+export { initPromise };
+export default i18n;
diff --git a/src/locales/pt.json b/src/locales/pt.json
new file mode 100644
index 0000000..5870e65
--- /dev/null
+++ b/src/locales/pt.json
@@ -0,0 +1,225 @@
+{
+  "common": {
+    "somethingWentWrong": "Algo deu errado",
+    "tryAgain": "Tentar novamente",
+    "cancel": "Cancelar",
+    "dismiss": "Dispensar",
+    "next": "Próximo",
+    "save": "Salvando...",
+    "continue": "Continuar",
+    "active": "Ativo",
+    "paid": "Pago",
+    "pending": "Pendente",
+    "due": "Vencimento",
+    "loanNumber": "Empréstimo #{{id}}"
+  },
+  "tabs": {
+    "home": "Início",
+    "loans": "Empréstimos",
+    "calendar": "Calendário",
+    "score": "Pontuação",
+    "settings": "Configurações"
+  },
+  "home": {
+    "greeting": "olá",
+    "availableCredit": "Crédito disponível",
+    "activeLimit": "Limite ativo",
+    "used": "Usado",
+    "limit": "Limite",
+    "apply": "Solicitar",
+    "pay": "Pagar",
+    "history": "Histórico",
+    "vouches": "Recomendações",
+    "activeLoans": "Empréstimos ativos",
+    "remainingBalance": "Saldo restante",
+    "active": "Ativo",
+    "noActiveLoans": "Nenhum empréstimo ativo",
+    "upcomingPayments": "Pagamentos futuros",
+    "installment": "Parcela",
+    "payNow": "Pagar agora",
+    "noUpcomingPayments": "Nenhum pagamento futuro",
+    "errorLoading": "Não foi possível carregar seu painel. Tente novamente."
+  },
+  "loans": {
+    "myLoans": "Meus empréstimos",
+    "active": "Ativos",
+    "paid": "Pagos",
+    "pending": "Pendentes",
+    "totalAmount": "Valor total",
+    "remaining": "Restante",
+    "installments": "Parcelas",
+    "installmentsPaid": "{{paid}} de {{total}} pagas",
+    "statusActive": "Ativo",
+    "statusPaid": "Pago",
+    "statusDefaulted": "Inadimplente",
+    "statusPending": "Pendente",
+    "statusCancelled": "Cancelado",
+    "noLoansYet": "Nenhum empréstimo ainda",
+    "noLoansMessage": "Solicite seu primeiro empréstimo para financiar laptops, cursos e ferramentas de desenvolvimento.",
+    "applyNow": "Solicitar agora",
+    "errorLoading": "Não foi possível carregar seus empréstimos. Tente novamente."
+  },
+  "calendar": {
+    "calendar": "Calendário",
+    "paymentStreak": "Sequência de pagamentos",
+    "paymentStreakDesc": "Pagamentos consecutivos em dia",
+    "due": "Vencimento",
+    "paid": "Pago",
+    "noPaymentsOnDay": "Nenhum pagamento neste dia",
+    "noPaymentsScheduled": "Nenhum pagamento agendado",
+    "noPaymentsMessage": "Seus empréstimos ativos aparecerão aqui com suas datas de vencimento.",
+    "calendarExported": "Calendário exportado",
+    "calendarExportedMessage": "As datas de pagamento foram adicionadas ao seu calendário.",
+    "permissionRequired": "Permissão necessária",
+    "permissionRequiredMessage": "O acesso ao calendário não foi concedido. Ative-o nas configurações.",
+    "remindersSet": "Lembretes configurados",
+    "remindersSetMessage": "Lembretes de pagamento foram agendados 14, 7, 3 e 1 dia antes de cada vencimento.",
+    "eventPaid": "Pago",
+    "eventDue": "Vencimento",
+    "payment": "pagamento",
+    "payments": "pagamentos"
+  },
+  "reputation": {
+    "reputationScore": "Pontuação de reputação",
+    "scoreOutOf": "/ 100",
+    "tier": "Nível",
+    "interestRate": "Taxa de juros",
+    "basedOnTier": "Baseado no seu nível",
+    "maxCredit": "Crédito máximo",
+    "yourCreditLimit": "Seu limite de crédito",
+    "howToImprove": "Como melhorar sua pontuação",
+    "getVouched": "Obter recomendação",
+    "vouchDescription": "Seja recomendado por um mentor para aumentar seu limite de crédito em 10% por recomendação (máx. 3).",
+    "vouchFailed": "Recomendação falhou",
+    "vouchSubmitted": "Recomendação enviada",
+    "txLabel": "TX:",
+    "submittingVouch": "Enviando recomendação...",
+    "requestVouch": "Solicitar recomendação",
+    "noReputationData": "Sem dados de reputação",
+    "noReputationMessage": "Sua pontuação de confiança aparecerá aqui após sua primeira atividade de empréstimo.",
+    "descGold": "Confiança excelente — menores taxas de juros e maiores limites de crédito.",
+    "descSilver": "Boa confiança — taxas competitivas e bons limites de crédito.",
+    "descBronze": "Confiança crescente — taxas moderadas. Continue pagando em dia!",
+    "descStarter": "Está começando — construa confiança com seu primeiro empréstimo.",
+    "descDefault": "Construa sua pontuação de confiança usando StepFi.",
+    "tip1": "Pague as parcelas em dia para aumentar sua pontuação",
+    "tip2": "Evite atrasos — cada um reduz sua pontuação",
+    "tip3": "Seja recomendado por um mentor para aumentar seu crédito",
+    "tip4": "Complete mais empréstimos para construir um histórico sólido"
+  },
+  "settings": {
+    "settings": "Configurações",
+    "account": "Conta",
+    "security": "Segurança",
+    "support": "Suporte",
+    "editProfile": "Editar perfil",
+    "editProfileSubtitle": "Atualizar suas informações pessoais",
+    "notifications": "Notificações",
+    "notificationsSubtitle": "Lembretes de pagamento e atualizações",
+    "biometricLock": "Bloqueio biométrico",
+    "biometricActive": "Tela de bloqueio ativa",
+    "biometricPinOnly": "Modo apenas PIN",
+    "biometricRequireAuth": "Exigir autenticação para abrir o app",
+    "helpSupport": "Ajuda e suporte",
+    "helpSupportSubtitle": "Perguntas frequentes e contatar suporte",
+    "aboutStepfi": "Sobre o StepFi",
+    "aboutStepfiSubtitle": "Versão, termos e privacidade",
+    "signOut": "Sair",
+    "signOutSubtitle": "Desconectar carteira e sair",
+    "signOutTitle": "Sair",
+    "signOutMessage": "Tem certeza de que deseja sair? Você precisará reconectar sua carteira.",
+    "signOutConfirm": "Sair",
+    "disableBiometricTitle": "Desativar bloqueio biométrico",
+    "disableBiometricMessage": "Tem certeza? Seu PIN também será removido.",
+    "disableBiometricConfirm": "Desativar",
+    "setPin": "Definir PIN",
+    "confirmPin": "Confirmar PIN",
+    "setPinDescription": "Digite um PIN de 4 a 6 dígitos para acesso alternativo",
+    "confirmPinDescription": "Digite novamente seu PIN para confirmar",
+    "pinErrorLength": "O PIN deve ter 4-6 dígitos",
+    "pinErrorMatch": "Os PINs não correspondem",
+    "pinNext": "Próximo",
+    "pinConfirmEnable": "Confirmar e ativar",
+    "pinCancel": "Cancelar",
+    "pinPlaceholderEnter": "Digitar PIN",
+    "pinPlaceholderReenter": "Redigitar PIN",
+    "notConnected": "Não conectado",
+    "versionLabel": "StepFi v1.0.0",
+    "language": "Idioma",
+    "defaultName": "Usuário StepFi",
+    "defaultRole": "Aprendiz"
+  },
+  "auth": {
+    "signIn": {
+      "stepfi": "StepFi",
+      "stepIntoFuture": "Entre no seu futuro.",
+      "creditWithoutBanks": "Crédito sem bancos. Progresso sem limites.",
+      "financeWhatYouNeed": "Financie o que você precisa.",
+      "signInWithWallet": "Entre com sua carteira Stellar. Sem senhas.",
+      "financeLaptops": "Financie laptops, cursos e ferramentas de desenvolvimento.",
+      "repayInstallments": "Pague em parcelas. Construa sua reputação.",
+      "yourScoreYourTerms": "Sua pontuação. Seus termos.",
+      "payOnTime": "Pague em dia. A pontuação sobe. As taxas caem.",
+      "connectYourWallet": "Conecte sua carteira.",
+      "noPasswords": "Sem senhas. Sem email. Apenas sua carteira Stellar.",
+      "connecting": "Conectando...",
+      "connectStellarWallet": "Conectar carteira Stellar",
+      "dontHaveWallet": "Não tem uma carteira?",
+    "walletLobstr": "Lobstr",
+    "walletXbull": "xBull",
+    "score": "Pontuação",
+    "rate": "Taxa",
+    "max": "Máx"
+    },
+    "roleSelect": {
+      "title": "Como você usará o StepFi?",
+      "subtitle": "Escolha seu papel. Você pode alterar a qualquer momento nas configurações.",
+      "learnerTitle": "Sou um aprendiz",
+      "learnerSubtitle": "Financie laptops, cursos e ferramentas de desenvolvimento. Construa sua reputação a cada pagamento.",
+      "learnerPill1": "Pedir emprestado",
+      "learnerPill2": "Pagar",
+      "learnerPill3": "Construir crédito",
+      "sponsorTitle": "Sou um patrocinador",
+      "sponsorSubtitle": "Financie o pool de empréstimos para aprendizes. Ganhe rendimento enquanto apoia a próxima geração de desenvolvedores.",
+      "sponsorPill1": "Depositar",
+      "sponsorPill2": "Ganhar rendimento",
+      "sponsorPill3": "Apoiar aprendizes"
+    },
+    "register": {
+      "title": "Conte-nos sobre você",
+      "subtitleMatch": "Isso nos ajuda a conectar você com os {{role}} certos.",
+      "sponsors": "patrocinadores",
+      "learners": "aprendizes",
+      "changePhoto": "Alterar foto",
+      "displayName": "Nome de exibição",
+      "displayNamePlaceholder": "ex. AlexLearnsWeb3",
+      "school": "Escola/Instituição",
+      "schoolPlaceholder": "ex. Universidade da Blockchain",
+      "program": "Programa/Curso",
+      "programPlaceholder": "ex. Desenvolvimento de Smart Contracts",
+      "incomeType": "Tipo de renda (opcional)",
+      "incomeTypePlaceholder": "ex. Bolsa, Freelance, Meio período",
+      "organization": "Organização",
+      "organizationPlaceholder": "ex. Stellar Development Foundation",
+      "investmentFocus": "Foco de investimento (opcional)",
+      "investmentFocusPlaceholder": "ex. Educação, Ferramentas de desenvolvimento, África",
+      "walletAddress": "Endereço da carteira",
+      "notConnected": "Não conectado",
+      "saving": "Salvando...",
+      "continue": "Continuar"
+    }
+  },
+  "components": {
+    "reputationWidget": {
+      "reputation": "Reputação",
+      "subtitle": "Sua confiança no StepFi",
+      "progressTo": "/ {{threshold}} para {{tier}}",
+      "tier": "Nível",
+      "maxTier": "Máx",
+      "topTier": "Topo"
+    }
+  },
+  "weekdayHeaders": ["Dom", "Seg", "Ter", "Qua", "Qui", "Sex", "Sáb"],
+  "monthNames": ["Janeiro", "Fevereiro", "Março", "Abril", "Maio", "Junho", "Julho", "Agosto", "Setembro", "Outubro", "Novembro", "Dezembro"],
+  "tierNames": ["Iniciante", "Bronze", "Prata", "Ouro"]
+}