I need an experienced fintech developer to help me create the first-release version of a payment platform inspired by https://www.opayweb.com/. For this initial engagement I am aiming for a lean, working proof of concept that clearly demonstrates our core flow and can be expanded later. Key scope • Core features: Mobile money transactions, Bill payments and basic Merchant services. • Supported payment rails: Credit/Debit cards, Bank transfers and Mobile wallets. • Security baseline: industry-standard encryption, two-factor authentication and a simple rules-based fraud-detection layer. What I expect from you 1. Technical blueprint – architecture diagram, tech-stack recommendation (open-source where possible) and API map. 2. MVP build – set up the database, payment gateway integrations and a clean, responsive web dashboard where users can: – register / KYC, – add funds or cards, – send / receive money, pay bills, and generate merchant QR codes. 3. Admin back office – rudimentary transaction log, user management and manual overrides. 4. Basic test scripts plus deployment instructions for a cloud instance (AWS, Azure or similar). Keep the code modular with clear comments so the next iteration can layer on more automation, analytics and UI polish. If you have prior evidence of fintech or gateway integrations, please share links or repo snippets in your bid.