Build a Fully Functional Cashloan/Finance/BNPL web app (native apps can follow afterwards)

Looking for a fully functional front end and backend app. Phase 1 : Microlender Status/feature • Users can request for a loan. • The amount will come as a pre approved amount x instead of a wallet amount (This is because we are a microlender and not a bank, for now) • They can then use the amount by it being paid into their requested bank account (Admin will have to get this processed/automation to be created in future) – this would be a withdrawal • Pre Approved user can send money to other bank account (incase they want to pay someone they owe) • Backend (Admin) to be integrated with Loandisk* or we need to create. Our own database and backend system for Debits and Credits • Be able to buy or pay for Utilities, Top Up Airtime, DSTV, Internet, Accounts via the App (In App payments) Phase 2 : Payment Method/Platform Status/feature • They can use the pre approved amount to pay at shops via QR codes/vendor numbers via payment gateways. Using Pre Approved Loan amount, Debit or Credit Card. Phase 3: Wallet Status/feature • Money can be sent between users, transferred • Cross Border transfers • Payment for minimum amounts such as ZAR 5.00 to 100.00 (Rands) # Features of User App # --------------------------------- 1) Splash Screen: • This is the main screen of the app and will appear every time when the user opens the app and will disappear automatically after 3-5 seconds. • It will contain the following things such as: - App Logo - App Name - Tagline 2) Login: • Email ID & Password • Social Media Login via Facebook/Google • Apple ID 3) Sign up & Create Account: • Full names • Email address • Mobile number • OTP verification • Upload id proof • Enter bank details • Enter password • Password Full KYC needs to be applied. Note: Admin will take some time to approve the user for the verification process. 4) Apply for a credit card: Once the user is approved by the app then users will be able to apply for the credit card of the app by entering the details like- • Enter the address for the delivery of cards • Select the date and day for the delivery of cards When loans are given there should always be a digital signature requested,that gives permission for us to loan the money to customer. 5) Home page: On the home page, users will be able to view the features such as- • QR code • Make Payment (Someone or Business) - • Requesting loan • Latest transactions • Transfer money • Cashback • Notification • Setting 6) QR code: In this user will be able to use the QR code scanner for the payment to other shops such as- • View QR Code • Scan the code from the QR code scanner of the app • Payment from the available amount of loan 7) Requesting loan: In this, users will be able to request a loan from the bank account of the app such as- • Enter amount • Maximum loan amount • Available amount • Add to the bank account • Date for return money to the bank • Pay in EMIs • Use the QR code scanner for the payment Note: Users will be able to pay the amount of the loan in EMI if users are not to pay the amount at one time. ? Approved loan confirmations: In this, users will be able to receive the confirmation message taking loans such as- • Total loan amount • Return date • Available balance The rest is on the document attached.