I need a secure, user-friendly Instapay solution focused exclusively on peer-to-peer transfers for Android phones. The core flow is simple: a user selects a contact, enters an amount, confirms with a PIN or biometric prompt, and both sender and recipient see the funds reflected instantly. Key elements I expect you to handle: • Native Android build in Kotlin (Android Studio) with modern Material 3 UI • Real-time balance updates and transaction status via WebSocket or equivalent push mechanism • Bank-grade encryption for data in transit and at rest • Simple KYC screens (photo ID + selfie) plugged into a third-party verification API • Admin console endpoint so I can view flagged transactions and force reversals I already have API access to the Instapay rails; you’ll integrate that SDK, manage token refresh, and surface meaningful error messages to the user. A Firebase backend is acceptable for auth and notifications, but I’m open to another cloud stack if it shortens development time. Deliverables I’ll review before sign-off: 1. Source code in a private Git repo with clear commits 2. Signed, installable APK for acceptance testing 3. Postman collection or Swagger file showing every endpoint you hit 4. One-page deployment/runbook so my in-house team can take over maintenance If things go smoothly, I may extend the scope later to add iOS and a lightweight web dashboard, so structure the codebase with that future growth in mind. Looking forward to your questions and an estimated timeline.