FinTech Payments Platform Web & Mobile

I’m building a cloud-based payments platform that lets people and companies create an account, load a balance, and instantly send money to any other user on the system. At launch the core feature is peer-to-peer transfers; paying contacts inside the ecosystem must feel as easy as sending a message. In later phases I may expand to bank payouts or QR / payment-link checkout, so an extensible architecture is important.

Scope
• Web app (responsive dashboard)
• Native iOS and Android apps with identical flows
• Shared REST/GraphQL API, real-time notifications, and an admin console for KYC review, fraud flags, and fee management.

Key Flows to Deliver
1. Secure onboarding with email/SMS verification and basic KYC.
2. Multi-currency wallet (at minimum USD) with deposit and withdrawal stubs ready for future integrations.
3. “Send to user” transfer: select contact, enter amount, confirm, instant balance update on both sides.
4. Transaction history, downloadable statements, and in-app receipts.
5. Role-based access so business accounts can add team members and view aggregate activity.
6. PCI-compliant card vaulting and encrypted data at rest.

Tech Preferences (flexible if you propose better)
• Front-end: React or Next.js for web, Swift/Kotlin or Flutter for mobile.
• Back-end: Node.js/TypeScript or Django, PostgreSQL, Redis, Docker, Kubernetes.
• Third-party: Stripe Treasury, Circle, or similar for wallet ledgers; Twilio for OTP; AWS or GCP hosting.

Acceptance Criteria
• All listed flows complete, fully tested, and deployed to a staging environment.
• API documentation (Swagger or Postman collection) plus basic CI pipeline.
• Source code handed over in Git with commit history.
• Apps approved for TestFlight / internal testing on Google Play.

Let me know your proposed stack, timeline, and any reference projects that show experience with regulated FinTech or payment rails. I’m ready to move quickly once the technical approach is clear.