I need a straightforward Android application whose core job is to let customers move money with ease. The app’s first screen should go straight to a clean funds-transfer flow—no extra bells or whistles—so the user can pick the source account, enter the destination details, type an amount, and confirm. Security sits at the top of the wish-list. Each sign-in must allow biometric unlock (fingerprint or face ID, depending on the device) and then step up to a second factor—an SMS or authenticator-app code—before any transfer is executed. Please wire these checks directly into the transfer confirmation screen rather than treating them as separate log-ins, so the experience remains quick but safe. For now I only need one well-built transfer module, but I’d like the code to keep the door open for internal, external, or even international routes. A clean repository structure, proper use of Android SDK components, and clear interfaces around the transfer API will make future expansion painless. Kotlin is preferred, though modern Java is fine if that speeds you up. When you hand it over, I should receive: • A signed APK ready for test install • Full source code on Git, including any Gradle scripts • A short README that explains how to switch between sandbox and production endpoints and how to plug in a live 2FA provider If anything about the security model or UX feels ambiguous, flag it early so we keep the build tight and compliant.