I’m building a consumer-facing payment app that lets users move money instantly between their linked bank accounts and the contacts that already exist in those accounts. The project covers BOTH iOS and Android, so I’m expecting two fully native builds that share a common, secure backend. Core flow 1. The user links a bank account (Plaid, open-banking API, or equivalent). 2. All payees already saved at the bank are pulled in automatically and shown as contacts—no manual entry required. 3. The user selects a contact, enters an amount, and the transfer is executed in real time. In addition to the basic send/receive capability I need: • Transaction history: a searchable ledger stored locally and synced to the backend. • Push and in-app notifications for every successful or failed transaction. • Multi-currency support so balances can be held and transferred in at least USD, EUR, and GBP with live FX conversion. Security and compliance (PSD2, MFA, tokenized credentials) must be baked in from day one. Deliverables • Native iOS (Swift/SwiftUI) and Android (Kotlin) apps ready for App Store and Google Play submission. • Backend (Node, Python, or your preferred stack) with REST/GraphQL endpoints, database, and webhook handling for real-time status updates. • Admin dashboard or Postman collection for basic transaction monitoring. • Source code in a private repo, build scripts, and short hand-off documentation. Acceptance will be based on: – Successful bank linking and contact import on at least two sandbox banking APIs. – End-to-end instant transfer flow completing in under five seconds on average. – Accurate, synced transaction history and notification delivery across both platforms. If you have shipped similar fintech products and can demonstrate compliance-level security, I’m ready to get started right away.