Web and Mobile Application

Design & Develop a Premium Cross-Platform Rotating Savings Group (Stockvel) Management Platform (Web + iOS + Android) I am looking for an experienced full-stack software developer to design, develop, test, and deploy a modern, premium-quality Rotating Savings Group (Stockvel) Management Platform. The platform will be available as: * Mobile application (Android & iOS) * Responsive web application * Admin dashboard The application should help community savings groups digitally manage their operations by replacing paper records, spreadsheets, and WhatsApp-based administration with a secure, professional, and user-friendly platform. The system must be scalable from small savings groups with fewer than 10 members to organizations managing hundreds or thousands of members. This project is intended to become a long-term SaaS platform, so the codebase should be clean, well-documented, modular, and easy to extend with future functionality. Preferred Technology Stack I am open to recommendations, but my preferred stack is: Frontend * Flutter (preferred for Android, iOS, Web, and Desktop from one codebase) * OR React Native + React Web Backend * Node.js (NestJS or Express) * OR Django * OR Laravel Database * PostgreSQL (preferred) * MySQL is acceptable if justified Cloud * AWS, Google Cloud, Azure, or Firebase Authentication * JWT * OAuth * Two-Factor Authentication * Biometric Login (mobile) Design Requirements The application should have a premium, modern financial application feel. Theme: * Matte Black * Luxury Red * White * Gold accents The interface should be clean, elegant, intuitive, responsive, and consistent across all devices. The UI should feel comparable to a modern digital banking application rather than a basic business management system. The successful freelancer should have strong UI/UX skills and provide high-quality interface designs before development begins. Core Functional Requirements *User Authentication * User registration * Secure login * Email verification * Phone verification * Password recovery * Biometric login * PIN login * Two-factor authentication User Roles The system should support multiple permission levels including: * Administrator * Treasurer * Chairperson * Secretary * Auditor * Standard Member Role-based permissions should control access throughout the application. Stockvel Management Users should be able to: * Create a savings group * Join via invitation code or QR code * Manage multiple stockvels * Edit stockvel information * Add or remove members * Transfer ownership * Configure contribution rules * Configure payout schedules * Define penalties/fines * Store the group constitution and documents * Have announcement boards Member Management * Member profiles * Contact information * Payment history * Contribution status * Attendance history * Member notes * Join date * Active/inactive status Contributions Members should be able to: * Record contributions * Upload proof of payment * View contribution history * View outstanding balances * Receive payment reminders Administrators should be able to: * Approve payments * Reject payments * Edit records * Record manual cash payments * Generate receipts *Add and Remove members Rotating Payout Management The application must support: * Rotational payouts * Scheduled payout dates * Custom payout order * Automatic payout calculations * Completed payout history * Upcoming payout notifications Financial Reports Generate reports including: * Contribution summaries * Outstanding payments * Payout history * Member balances * Annual reports * Monthly reports * Treasurer reports Export to: * PDF * Excel * CSV Notifications Support: * Push notifications * Email notifications * SMS notifications (future integration) Examples: * Payment due reminders * Meeting reminders * Payout reminders * New announcements * Approval notifications Meetings * Schedule meetings * Attendance register * Meeting agenda * Meeting minutes * Action items Voting Members should be able to vote digitally on: * Rule changes * Emergency payouts * Elections * General resolutions Results should be transparent and securely recorded. Fine Management Administrators should be able to: * Create fines * Apply penalties * Track unpaid fines * Generate fine reports Document Management Secure storage for: * Constitution * Member documents * Meeting minutes * Financial reports * Receipts Dashboard Different dashboards for: Members * Current contribution status * Upcoming payout * Payment history * Notifications * Group announcements * Payment Verification status(Upload Proof Of Payment) *Upcoming payment reminder Administrators * Total members * Outstanding payments * Total contributions * Upcoming payouts * Recent activity * Financial overview Search & Filters Search by: * Member * Payment * Date * Group * Contribution status Audit Trail Every important action should be logged including: * Payments * Edits * Member changes * Approvals * Role changes * Login activity *Voting Records The application should be: * Fast * Secure * Responsive * Mobile-first * Cross-platform * Scalable * Modular * Maintainable *Modern *Seamless The architecture should allow future expansion without requiring a complete rebuild. Security Requirements * Encryption of sensitive data * Secure password hashing * JWT authentication * Role-based permissions * Audit logs * SSL/TLS * Protection against common web vulnerabilities * Secure API design Future Features (Architecture Should Support) These features do not need to be included in the initial MVP but the architecture should accommodate them: * Bank integration * Payment gateway integration * Automatic payment verification * Digital wallet * Member-to-member loans * Investment tracking * AI financial assistant * Credit scoring * Insurance products * Merchant partnerships * Multi-currency support * Multi-language support * White-label deployments * API integrations *Different stockvel types such as a groceries payout version and an investment group opportunity Deliverables The successful freelancer will provide: * Complete UI/UX design * Clickable prototype * Mobile application * Responsive web application * Admin dashboard * Backend APIs * Database design * Source code * Documentation * API documentation * Deployment assistance * Testing and bug fixing *Revision rounds Documentation Required Please include: * System architecture * Database schema * API documentation * Installation guide * User manual * Administrator manual * Deployment guide Ideal Candidate I'm looking for a developer with proven experience building: * Fintech applications * Banking platforms * Financial management systems * Accounting software * SaaS platforms * Cross-platform mobile applications Experience with secure financial systems is highly desirable. Please include examples of similar projects with your proposal. Project Timeline I understand this is a substantial project and am open to building it in phases. I would like to begin with a solid MVP and continue adding features over time through an ongoing working relationship with the successful developer. Please provide: * Your proposed technology stack * Estimated timeline * Development milestones * Maintenance options * Relevant portfolio * Total project cost and payment milestones Developers who can demonstrate strong UI/UX capabilities, scalable architecture, and experience with secure financial applications will be given preference. Looking Forward to Building a Great Relationship.