I already have the core of my site running on Python, Django, HTMX, CSS and PostgreSQL; now I need a fully-featured wallet that plugs straight into this stack. The wallet must work with both Google Pay and Paytm so a user can: • add money through either provider • see their current balance and recent ledger entries • withdraw funds back to the same source or a saved UPI/bank account • spend their balance instantly when purchasing tickets (the ticket checkout view is ready; you will simply call it with a confirmed wallet payment) Security is non-negotiable. Every wallet operation has to be protected with two-factor authentication—an OTP sent by email or SMS is fine as long as it is reusable in production. I expect a clean, self-contained Django app (or set of apps) that includes: • database migrations for balance, transaction and payout tables • Google Pay & Paytm integrations in both sandbox and live modes, switchable via environment variables • HTMX fragments or endpoints so the UI updates without full reloads • robust REST endpoints (DRF or vanilla) that my other services can hit • unit tests and a short README showing how to configure keys, webhooks and 2FA Acceptance will be based on: 1. Successful add / withdraw / purchase flows in both sandboxes. 2. Balance and ledger accuracy in PostgreSQL. 3. OTP challenge triggered on every sensitive action. 4. Clear rollback and error messaging if any provider call fails. Send me your approach, timeframe and any clarifying questions so we can get this live quickly.