feat: complete application updates

Co-authored-by: Copilot <223556219+Copilot@users.noreply.github.com>

src/utils/smsFormat.ts

@@ -0,0 +1,12 @@
+export function formatCardNumber(raw: string): string {
+  const digits = raw.replace(/\D/g, '')
+  return digits.replace(/(\d{4})(?=\d)/g, '$1 ').trim()
+}
+
+export function formatSheba(raw: string): string {
+  const compact = raw.replace(/[\s-]/g, '').toUpperCase()
+  const body = compact.startsWith('IR') ? compact.slice(2) : compact
+  if (body.length < 2) return compact
+  const groups = body.slice(2).replace(/(.{4})/g, '$1 ').trim()
+  return `IR${body.slice(0, 2)} ${groups}`.trim()
+}