I’m launching a fintech neobank and need a production-ready mobile wallet that does three things flawlessly: peer-to-peer transfers, everyday bill payments, and a starter interface for basic investment products. The app must ship simultaneously on iOS and Android, so please outline whether you prefer native builds or a shared codebase such as Flutter, React Native, or Kotlin Multiplatform. Core requirements • Secure onboarding with KYC and device-level biometrics • Encrypted wallet to hold multiple fiat balances • Real-time P2P payments (username, QR, and contact sync) • Bill-pay module with provider search and scheduled payments • Investment tab showing balance, portfolio mix, and buy/sell tickets • Full multi-language framework ready for at least two locales on day one • Admin API hooks for limits, fees, and compliance flags • Clean, modern UI that matches typical neobank aesthetics Deliverables 1. Technical architecture and data model 2. UX/UI mock-ups for all user flows 3. iOS and Android builds plus source code 4. Post-launch support window for bug fixes and minor refinements 5. Setup notes for CI/CD, Firebase/Amplify (or comparable) and app-store submission If you have prior experience with PSD2/Open Banking, PCI-DSS, or SOC 2 environments, mention it—those credentials will help speed our regulatory review. Looking forward to collaborating on an intuitive, secure wallet that can scale as new features roll out. Ps. UI is completed, just the front end and backend. Project is time sensitive and we can’t go over budget Experience in Multi-user group and dual currency platform will be ideal . Project includes building two new engines