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I’m building a stripped-down “CashApp++” that does one thing exceptionally well: move money instantly between users. The scope is intentionally tight so we can focus on speed, reliability, and a friction-free user experience on both iOS and Android. Core requirements • Instant peer-to-peer transfers with a balance update that reflects in real time. • Two-factor authentication woven into every sensitive action (registration, log-in, sending funds). I’m open to any proven OTP or push-based 2FA library you like; just keep the UX smooth. • A modern, minimal UI that feels native on Swift/SwiftUI for iOS and Kotlin/Jetpack Compose—or a single React Native/Flutter codebase if you can still guarantee native-grade performance. • Secure, well-documented REST or GraphQL backend, PCI-compliant tokenized storage, and end-to-end encryption for transfer payloads. Delivery checkpoints 1. Clickable prototype to validate flows. 2. Alpha build on TestFlight & internal Play Console. 3. Security audit results and load-test report. 4. Store-ready binaries plus repo hand-off. Acceptance criteria – A user can register, verify via 2FA, fund a wallet, and send money that reflects on the recipient’s screen in <2 s. – All sensitive endpoints return A+ on OWASP Mobile Top 10 checks. – App passes App Store & Play Store review without compliance flags. If you have prior fintech or wallet experience and can commit to rock-solid uptime, let’s talk timelines and milestones.
Project ID: 39724662
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Active 6 days ago
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50 freelancers are bidding on average $38 USD/hour for this job

Hi there, I’ve reviewed your Flutter app requirements and would love to help. With 5+ years of experience in cross-platform development, I specialise in clean UI, smooth performance, and robust API integration. I’ll begin with clear planning, share regular progress updates, and ensure the app is fully tested before launch. Let’s connect to discuss your vision — I’m ready to get started! Best, Bhargav Flutter Developer | Android & iOS Expert
$5 USD in 40 days
6.9
6.9

Hello there Hope you are doing well as you are looking for a "Build a PAYMENT MOBILE APPLICATION " so will make the same as you want , I have already develop and Design the so many Application , - I will use latest technology to develop your Application - I will share daily update with you - I Will deliver your project within timeline - After project completion will share complete source code - I will provide 1 year support our develop work - I have 10+ year experience in Web & App development - I will make the 100% responsive design , fast loading , SEO friendly and all - I will provide you super admin panel there you can manage the whole thing Please initiate the chat so will discuss together and all Thanks & Regards Dheeraj K.
$5 USD in 40 days
7.0
7.0

Hi there, This project sounds fantastic – a streamlined, instant P2P transfer app with a strong focus on security and performance. I’ve worked extensively with mobile fintech development, particularly around secure wallet integrations and real-time data synchronization. I’m very comfortable building robust, PCI-compliant backends and integrating modern 2FA solutions. I’d be thrilled to discuss timelines and milestones to ensure a smooth delivery, including the clickable prototype and security audit. Let’s schedule a brief call to explore this further.
$10 USD in 5 days
5.3
5.3

Hi There!!! ⭐⭐⭐⭐ You’re building a streamlined CashApp++ focused solely on lightning-fast, reliable peer-to-peer transfers across iOS and Android. Key features include instant balance updates, seamless two-factor authentication, and a slick, native-feeling UI. Security, compliance, and smooth UX are top priorities, with full encryption and PCI-compliant backend storage. ⭐⭐⭐⭐ Execution plan: * Develop the mobile app using either Swift/SwiftUI and Kotlin/Jetpack Compose for true native performance, or React Native/Flutter if performance benchmarks are met * Integrate proven 2FA solutions for secure user registration, login, and transactions * Build a secure, scalable REST or GraphQL backend with tokenized PCI-compliant storage and end-to-end encryption * Deliver clickable prototypes, alpha builds on TestFlight and Play Console, security audits, and store-ready binaries Key points: 1. Instant, real-time balance updates 2. Robust two-factor authentication 3. Native or near-native mobile experience 4. Secure backend with encryption and PCI compliance 5. Clear deliverables and milestones including audits and load testing With 9+ years in mobile app development and fintech projects, I value clear communication, reliability, and quality. Excited to collaborate and bring this fast, secure app to life! Best Regards, Farhin B.
$8 USD in 40 days
5.9
5.9

Hi There!!! I have studied your project description very well and understand that you are building a minimal, high-performance “CashApp++” focused on instant peer-to-peer money transfers, strong security, and smooth cross-platform UX. I am the best fit for this project because I build secure, real-time fintech apps with clean performance across both iOS and Android. * I have experience building wallet apps with instant fund transfer and 2FA using OTP and push auth. * I can deliver native-grade performance with Flutter or React Native while ensuring backend PCI compliance and encryption. * I am confident with secure API integrations, OWASP compliance, and App Store/Play Store approvals. My basic services include full UI design setup, secure backend structure, testing (load + security), and complete source code handover. I have 9+ years experience as a full stack developer. I have developed e-wallet systems, payout apps for gig workers, and money transfer tools with real-time balance sync and strong user verification. Looking forward to chat with you for make a deal. Best Regards Elisha Mariam!
$5 USD in 40 days
4.4
4.4

As a seasoned software developer and head of a productive team of 20+, I believe we are highly qualified for this project. While the technologies you've mainly highlighted with CaseApp++ pertain to iOS and Android, Let me assure you that my experience in Mobile Development, Android, iPhone, and Flutter will be extremely beneficial. Equipped with a comprehensive knowledge along with an unbeatable passion for staying up-to-date on the current trends in both fields, Prajapati Technologies is the best fit for building your stripped-down payment app exactly as required. One advantage that comes with collaborating with Prajapati Technologies is our unyielding focus on client satisfaction which goes beyond just delivering functional products but also enhancing user experiences. So rest assured, not only will we build a system that meets all your core requirements but also guarantee rock-solid uptime, security audit results, OWASP Mobile Top 10 checks alongside your desired store-ready binaries and repo hand-offs. Let's start implementing your vision into reality while maintaining a smooth ride throughout the process!
$5 USD in 40 days
4.0
4.0

Hello There, I came across your project and I'm excited to offer my services. With over 4 years of hands-on experience in Flutter mobile development and AI integrations, I specialize in building fast, scalable, and intelligent mobile applications that drive real business value. What I Bring to Your Project: ✅ Cross-Platform Mobile App Development (Flutter) • Clean architecture (BLoC, GetX, MVVM) • Pixel-perfect UI/UX • State management, APIs, Firebase, local storage • Deployment to App Store / Play Store ✅ AI-Powered Features • Chatbots, recommendation systems, OCR, image classification, speech-to-text • Integration with OpenAI, TensorFlow Lite, or custom ML models • Smart UX enhancements using AI-driven automation ✅ Project Management • Fast turnaround and clean code • Scalable architecture • Git/version control, Trello, JIRA familiarity • Clear communication and daily/weekly updates Tech Stack Flutter (Dart) Firebase, RESTful APIs, GraphQL Python (for AI), TensorFlow, OpenAI, FastAPI Git, Figma, Postman, SQLite, MongoDB, Supabase ✅ Let's Get It Done I’d love to discuss your project in detail and provide insights or suggestions if needed. Let’s create something impactful together. I’m ready to get started whenever you are. Looking forward to hearing from you! Warm regards, Renish Vaghasiya
$5 USD in 40 days
4.0
4.0

I’m an iOS engineer specializing in Swift/SwiftUI with proven experience integrating Razorpay and KNET payment gateways in production apps. I can help you build a stripped-down “CashApp++” that focuses on instant money transfers, security, and a clean user experience. What I’ll deliver: Instant P2P transfers with real-time balance updates (<2s) using WebSockets or Firebase. 2FA on all sensitive actions (registration, login, transfers) with OTP or push-based methods for smooth UX. Modern, minimal SwiftUI interface designed for speed and reliability, following Apple’s HIG. Secure backend integration (REST/GraphQL), tokenized payments, and OWASP-compliant endpoints. Payment flow setup with Razorpay & KNET including wallet funding, refunds, and reconciliation.
$4 USD in 40 days
3.7
3.7

With over six years of hands-on experience, I've brought numerous projects to life across various platforms. From e-commerce and social networks to media apps, my work speaks volumes on my ability to create seamless mobile experiences. A standout project in my portfolio is a fintech application I designed specifically for P2P transfers and wallet management. Building upon that, IilerIexus, I'm confident in my ability to meet your core requirements efficiently. My fluency in Swift/SwiftUI for iOS and Kotlin/Jetpack Compose for Android gives me an edge in ensuring your CashApp++ has the desired native feel without compromising speed or reliability. Alternatively, if you'd prefer a single codebase using React Native/Flutter, rest assured that I can still achieve native-grade performance. When it comes to security measures like two-factor authentication and end-to-end encryption- crucial for any financial app- you can trust me to implement these effectively. Many of the applications I've built implement similar security features you are asking for and always received high scores for OWASP Mobile Top 10 checks. My commitment to adhering to industry best practices has ensured all my apps bypass App Store & Play Store review without compliance flags. Let's get this great project off the ground together!
$5 USD in 40 days
3.9
3.9

Hi there! I see you want a CashApp++ style app for instant transfers, but building fast, secure P2P payments with real-time balance updates is tricky and must meet strict security standards. I can develop a modern, minimal app with smooth 2FA, real-time wallet updates, and a secure, PCI-compliant backend. The app will work natively on iOS (SwiftUI) and Android (Kotlin), or in a cross-platform framework while keeping native-grade performance. I’ll deliver a clickable prototype, alpha builds, security audit, and store-ready binaries. Do you want me to propose a phased milestone plan so we can validate flows and security step by step? Start chat now so we can lock timelines and milestones.
$5 USD in 40 days
3.3
3.3

I understand the importance of creating a powerful, frictionless user experience when it comes to financial applications. I've been a mobile app developer for over 5 years with deep expérience in creating high-performing fintech solutions. My skills in React Native and Flutter, married with Kotlin, Swift and Jetpack Compose, put me at an advantage for this project as I can guarantee native-grade performance on both iOS and Android platforms, ensuring that your app feels natural for your target users. In addition to ensuring efficient speed and reliability for instant peer-to-peer transfers (with OCR), I am well-versed in security best practices and making two-factor authentication incorporate seamlessly into an app's flow without causing any detriment to user experience. Alongside deep experience in RESTful API development and data encryption, I am confident about delivering a secure, PCI-compliant pair of app binaries that would easily pass App Store and Play Store review. My past projects span e-commerce, edtech, SaaS, healthcare, real estate, on-demand services and booking & management. Combining these diverse experiences with my robust skillset makes me a suitable candidate for your project as I bring a unique fintech perspective into every challenge handed to me. Lastly, my commitment to long-term support will guarantee that your mobile application will remain continuously optimized even after the main delivery stages are completed. Let's collaborate!
$8 USD in 40 days
3.5
3.5

Hello there, Based on your requirement, you want a stripped-down version of CashApp++ that excels at one thing instant money movement between users. The focus on speed, reliability, and friction-free experience is clear, and the core elements you highlighted, such as real-time peer-to-peer transfers, two-factor authentication on every sensitive action, and a minimal yet modern UI align with what I have delivered on similar financial apps in the past. From secure balance updates that reflect instantly to smooth OTP/push-based 2FA flows, and ensuring end-to-end encryption with PCI-compliant tokenized storage, I understand the precision and trust such a platform demands. I AM HAPPY TO SAY TO YOU I HAVE ALREADY DEVELOPED A SIMILAR PROJECT, SO IT MATCHES MY EXPERTISE. I specialize in building highly secure, scalable, and intuitive mobile applications. On the frontend, I can work natively with Swift/SwiftUI for iOS and Kotlin/Jetpack Compose for Android, or opt for React Native/Flutter if a shared codebase with native-grade performance is preferable. On the backend, I design and implement REST or GraphQL APIs with strong security practices, ensuring every transaction is handled with absolute integrity and proper compliance. This is the kind of project where every millisecond and every tap matters, and I am well-prepared to build it with the precision and reliability it deserves. I would be glad to discuss how we can move this forward efficiently. Best regards, P.J
$8 USD in 40 days
3.7
3.7

My name is VenuGopal, and as an experienced mobile app developer, I am confident that I can meet and exceed your expectations for this project. I have a strong background in Android and iOS development, along with proficiency in Flutter, React Native, and the ability to build a single codebase to guarantee native-grade performance. With complete understanding of 2FA implementation and secure back-end development, I can ensure that your CashApp++ will run smoothly and securely on both iOS and Android platforms. Lastly, with an extensive 9-year IT experience under my belt including work with MNC’s across domains, I have developed versatile skill set that is not limited to app development. I would enjoy the opportunity to collaborate closely with you to understand your vision for the CashApp++,implement it efficiently through a scalable backend architecture and eventually transform your vision into a full functional digital product. Thank you for considering me for this important role. Looking forward to working together!
$12 USD in 40 days
3.1
3.1

Hello, Building a stripped-down, lightning-fast "CashApp++" for instant peer-to-peer money transfers with real-time balance updates, smooth two-factor authentication, and a secure, well-documented backend fits perfectly with my fintech experience. I can deliver a native-feeling iOS and Android app using React Native or Flutter, ensuring native-grade performance, PCI-compliance, end-to-end encryption, and seamless UX for all sensitive actions. Questions: – What’s the main goal you want this software to achieve for your business? – Do you already have any designs or ideas for how it should look and feel? – Will the system need to connect with any other tools or platforms you currently use? I’m a TOP Rated Freelancer with proven experience in fintech and wallet app development focused on performance, security, and compliance. You can check my reviews here: https://www.freelancer.com/u/techsty2014. Looking forward to potentially working together on this project.
$12 USD in 40 days
2.9
2.9

I am a perfect fit for your project, focusing on instant, seamless money transfers. I will create a clean, professional app with real-time balance updates, two-factor authentication, and a native UI for iOS and Android. While I am new to freelancer, I have tons of experience and have done other projects off site. Let's ensure a friction-free user experience with swift deliveries and top-notch security measures. I would love to chat more about your project! Regards, Damian Badenhorst
$2 USD in 30 days
0.0
0.0

This sounds like something I can absolutely deliver ? Clean, professional, user-friendly, and seamless is how I build — no fluff, just results. From smart design to integrated automation, I create systems that look great and work even better. While I’m new to Freelancer, I’ve completed plenty of successful projects off-site with happy clients and real outcomes. I’d love to chat more about your project! Regards, Jarrod.
$2 USD in 30 days
0.0
0.0

I am a perfect fit for your project focused on building a stripped-down cash transfer app with instant peer-to-peer transfers and tight security measures. With experience in developing seamless mobile apps and integrating two-factor authentication, I can ensure a clean, professional, and user-friendly experience for iOS and Android users. While I am new to freelancer, I have tons of experience and have done other projects off-site. I would love to chat more about your project! Regards, Darin
$2 USD in 30 days
0.0
0.0

I believe we are a perfect fit for your project, focused on instant peer-to-peer transfers and a friction-free user experience. Skilled in Swift/SwiftUI, Kotlin/Jetpack Compose, and React Native, we guarantee native-grade performance on iOS and Android. While I am new to freelancer, I have tons of experience and have done other projects off-site. I would love to chat more about your project! Regards, Wayne
$2 USD in 30 days
0.0
0.0

Dear Hiring Manager, I am excited about the opportunity to work on the CashApp++ Instant Transfer App project. I specialize in developing user-friendly mobile applications with a focus on speed and reliability. I will ensure seamless peer-to-peer transfers with real-time balance updates and implement two-factor authentication for enhanced security. My expertise in Swift/SwiftUI for iOS and Kotlin/Jetpack Compose for Android will guarantee a modern and minimal UI experience. I am confident in delivering a secure backend with PCI-compliant storage and end-to-end encryption. I look forward to discussing timelines and milestones to ensure a successful project completion. Best regards,
$5 USD in 40 days
0.0
0.0

Hi there! I know building a smooth instant transfer app is tough because even a small delay or weak security breaks trust. Handling money with speed and safety together is never easy. I will design a clean system where peer to peer transfers reflect in real time with strong two factor authentication on every sensitive step. The UI will stay modern and native feel while the backend will be secure with tokenized storage and end to end encryption. I will also cover load testing and audits so the app is ready for store submission without compliance issues. Do you already have preferred choice between native build and cross platform like Flutter or React Native? Open chat now.
$5 USD in 40 days
0.0
0.0

Baton Rouge, United States
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