MVP Development for Fintech Solution

Project Description: We are looking for an experienced fintech software development team or a full-stack developer to build the MVP (Minimum Viable Product) for Thawed—a prepaid card solution designed to promote financial inclusion and emergency savings in the UK, with plans for global expansion. The app will integrate with prepaid card APIs, offer budgeting tools, manage frozen funds until two weeks before payday, and include cashback features with partnered retailers. Key Features: User Onboarding: Simple registration with KYC compliance Support for unbanked users (minimal documentation) Wallet & Card Management: Virtual prepaid card dashboard Fund freezing mechanism with scheduled release Balance tracking and transaction history Budgeting Tools: Automated savings goals Spending analytics (graphs/charts) End-of-month spending alerts Cashback & Rewards System: Cashback tracking (differentiated by membership tiers) Integration with partner retailer APIs Security & Compliance: Strong data encryption 2FA (Two-Factor Authentication) GDPR-compliant data handling Admin Dashboard (Web-Based): User management Transaction monitoring Analytics and reporting for business insights Tech Stack (Preferred): Frontend: React Native (for cross-platform iOS/Android) Backend: Node.js, Express, or Django Database: PostgreSQL or MongoDB Payment Integration: Stripe, PayPal, or integration with an E-Money Institution’s API Cloud: AWS or Google Cloud for scalability Skills Required: Fintech app development (experience with prepaid card APIs preferred) Secure payment gateway integration UX/UI design for financial apps Strong understanding of GDPR compliance Experience with scalable backend architecture