Secure Cross-Platform Money Transfer App

I need a seasoned developer (or small team) to build a smooth, cross-platform money transfer application that works on iOS, Android, and the web with near-zero downtime. Stability and security are top priorities: every transaction must be protected by two-factor authentication, strong end-to-end encryption, and optional biometric verification to keep users’ data and funds safe. The interface should feel modern and visually appealing—not cluttered—so users can complete a transfer in a few taps or clicks. Think polished animations, intuitive onboarding, and clear in-app guidance. Scope of work • Develop fully functional mobile apps for iOS and Android plus a responsive web client, all sharing one code-base where possible for ease of maintenance. • Build a secure backend with robust API endpoints for account creation, KYC/AML workflows, balance handling, and real-time transaction processing. • Implement the three mandated security layers: two-factor authentication, encryption, and biometric verification. • Set up automated testing and monitoring to ensure minimal downtime, fast recovery, and transparent error reporting. • Provide an admin dashboard so we can manage users, view transaction logs, and adjust fees or limits. • Deploy to App Store, Google Play, and a cloud environment of your choice, then supply full technical documentation and handover notes. Acceptance criteria 1. Seamless transfers between verified accounts in under five seconds on average. 2. All three security measures active and passing penetration tests. 3. Consistent modern UI/UX across iOS, Android, and web. 4. Uptime of 99.9 % demonstrated over a two-week staging period. 5. Complete source code and documentation delivered in a private repository. If you’ve built fintech apps before and can hit these marks, I’m ready to move quickly—please outline your proposed tech stack and timeline when you bid.