/**
 * Formats currency (Naira)
 * 1234.56 → ₦1,234.56
 */
export declare const formatCurrency: (amount: number, currency?: string, decimals?: number) => string;
/**
 * Formats currency without symbol
 * 1234.56 → 1,234.56
 */
export declare const formatAmount: (amount: number, decimals?: number) => string;
/**
 * Formats account number for display
 * 0123456789 → 0123 4567 89
 */
export declare const formatAccountNumber: (accountNumber: string) => string;
/**
 * Masks account number for security
 * 0123456789 → ****6789
 */
export declare const maskAccountNumber: (accountNumber: string) => string;
/**
 * Masks email for security
 * user@example.com → u***@example.com
 */
export declare const maskEmail: (email: string) => string;
/**
 * Formats date to Nigerian format
 * 2024-01-15 → 15/01/2024
 */
export declare const formatDate: (date: Date | string) => string;
/**
 * Formats date and time
 * → 15/01/2024 14:30
 */
export declare const formatDateTime: (date: Date | string) => string;
/**
 * Formats relative time
 * → "2 hours ago", "3 days ago"
 */
export declare const formatRelativeTime: (date: Date | string) => string;
/**
 * Formats percentage
 * 0.025 → 2.5%
 */
export declare const formatPercentage: (value: number, decimals?: number) => string;
/**
 * Formats file size
 * 1536 → 1.5 KB
 */
export declare const formatFileSize: (bytes: number) => string;
/**
 * Truncates text with ellipsis
 * "Long text here" → "Long te..."
 */
export declare const truncateText: (text: string, maxLength: number) => string;
/**
 * Capitalizes first letter of each word
 * "john doe" → "John Doe"
 */
export declare const toTitleCase: (text: string) => string;
/**
 * Formats transaction status for display
 */
/**
 * Normalizes a phone number to the international format for Nigeria (234...)
 * Handles formats like '0803...', '803...', '+234803...'
 */
export declare function toSmsSafeNigerianPhone(phone: string | number): string;
export declare const formatTransactionStatus: (status: string) => string;