Watermark added, Card commented out and account opening commented out

lib/features/fund_transfer/screens/fund_transfer_beneficiary_screen.dart

@@ -160,7 +160,23 @@ class _FundTransferBeneficiaryScreenState
       appBar: AppBar(
         title: Text(AppLocalizations.of(context).beneficiaries),
       ),
-      body: _isLoading ? _buildShimmerList() : _buildBeneficiaryList(),
+      body: Stack(
+        children: [
+          _isLoading ? _buildShimmerList() : _buildBeneficiaryList(),
+          IgnorePointer(
+            child: Center(
+              child: Opacity(
+                opacity: 0.1, // Low opacity
+                child: Image.asset(
+                  'assets/images/logo.png',
+                  width: 200, // Adjust size as needed
+                  height: 200, // Adjust size as needed
+                ),
+              ),
+            ),
+          ),
+        ],
+      ),
     );
   }
 }