Fintech Wallet for Gig Workers

I’m building a mobile-first fintech app for cab drivers and delivery riders that gives them access to a credit-based wallet. In the first release the wallet must let users draw and spend fuel credits only, yet the codebase has to be flexible enough for us to turn on insurance and utility credits with minimal rework. What I need is the complete product journey: an iOS and Android app for the workers, a slim merchant view so fuel stations can accept payment, and a secure backend that approves credit, settles transactions in real time, and tracks repayments. KYC, instant balance updates, push notifications, and straightforward spending analytics all belong in the core scope. Use whatever modern stack you are fastest with, provided it integrates cleanly with common payment rails and identity APIs and ships with clear documentation. Deliverables • Production-ready Android & iOS apps with fuel-credit wallet • Admin and merchant web dashboards • Deployed backend (API + database) and full documentation • Source code, automated tests, and hand-over support Acceptance criteria • A driver registers, clears KYC, and receives a fuel-only credit limit. • Wallet balance adjusts the moment a fuel payment is processed. • Admin can change a limit and see the change reflected instantly in the user app. • Codebase installs with a single command and all tests pass. If you’re confident you can deliver this end-to-end solution, let’s talk about your approach to credit rules, fuel-station integration, and launch timeline.