Fintech Savings Platform Full-Stack Development

Full-Stack Developer Required — SWARNAYA Functional MVP

Project Overview

We are looking for an experienced full-stack developer to build the first fully functional MVP of a new fintech/savings platform.

We already have the UI/UX design and interactive prototype. We need a developer who can convert the design into a working application with a real backend, database, authentication and payment integration.

This is not a static website or visual demo. Core features must be functional.

Required Application

1. Customer Web Application

The application must be fully responsive and optimized for mobile.

Required features:

* Customer registration
* Mobile number authentication
* OTP verification
* Customer profile
* Basic KYC information capture
* Savings plan selection
* ₹100/day plan
* ₹250/day plan
* ₹500/day plan
* Platform fee calculation
* UPI AutoPay mandate setup
* AutoPay mandate status
* Customer dashboard
* Total contribution tracking
* Gold/units/entitlement tracking
* Daily transaction records
* Payment history
* Successful/failed payment status
* Basic notifications
* Profile/settings
* Logout/account management

2. Admin Dashboard

Admin should be able to:

* Secure admin login
* View customers
* View individual customer details
* View selected plan
* View AutoPay status
* View payment transactions
* View successful/failed transactions
* View customer ledger
* View savings/entitlement records
* Search and filter customers
* Search and filter transactions
* Basic reports
* Export transaction/customer data

3. Backend

A proper backend and database are required.

The system should include:

* Secure authentication
* User management
* Customer database
* Plan management
* Transaction database
* Customer ledger
* Payment status management
* UPI webhook handling
* Admin APIs
* Role-based admin access
* Basic audit logging
* REST APIs
* Proper error handling

4. UPI AutoPay

The application should support real UPI AutoPay/recurring mandate integration through a suitable authorised payment provider.

Expected flow:

Customer selects plan

↓

UPI AutoPay mandate created

↓

Customer approves mandate through UPI app

↓

Mandate becomes active

↓

Recurring payment is processed

↓

Payment webhook received

↓

Transaction recorded in backend

↓

Customer dashboard updated

The developer is not required to integrate directly with NPCI.

The developer should recommend a suitable payment provider and explain the integration requirements.

Any third-party payment/KYC/SMS/API charges will be handled separately from the development fee.

5. Transaction & Savings Ledger

Every customer transaction must be recorded individually.

The system should maintain:

* Customer ID
* Transaction ID
* Date/time
* Amount
* Platform fee
* Contribution amount
* Payment status
* Plan
* Entitlement/units
* Reference/payment ID

The architecture should allow future integration with partner systems.

UI/UX

We already have a working prototype and design reference.

The final application should maintain the SWARNAYA premium black + gold design.

The existing prototype will be provided to the selected developer.

Technology

Developer can recommend the final stack.

Preferred:

* React / Next.js
* Node.js / Python
* PostgreSQL/MySQL
* REST APIs
* Git/GitHub
* Cloud deployment

The developer should use clean, maintainable and scalable code.

Important — Production Ownership

All application assets must remain under the client's ownership.

The developer must provide:

* Complete source code
* Git repository
* Database/schema
* API documentation
* Deployment documentation
* Environment/configuration documentation
* Admin credentials
* Third-party integration documentation

The developer should **not lock the client into their own hosting, GitHub or accounts**.

Budget

₹50,000 INR

This is the initial development budget.

We are looking for a developer who can deliver the maximum possible functional scope within this budget.

If certain third-party integrations or features genuinely require additional development cost, please clearly identify them separately rather than silently reducing functionality.

**Third-party API/payment/KYC/SMS charges are not included in the ₹50,000 development budget.**

## Timeline

Target:

**4–6 weeks**

Please provide your realistic delivery schedule.

## Developer Requirements

Strong preference for developers with experience in:

* Fintech applications
* UPI integrations
* UPI AutoPay
* Payment gateways
* Recurring payments
* Webhooks
* Transaction ledgers
* Reconciliation
* Secure authentication
* React/Next.js
* Node.js/Python
* PostgreSQL/MySQL

Please provide links/screenshots of relevant previous work.

## Proposal Requirements

Please include:

1. Relevant projects you have developed
2. Your UPI AutoPay experience
3. Payment providers you have integrated
4. Recommended technology stack
5. Development timeline
6. Confirmation of ₹50,000 fixed-budget availability
7. Exact features included within ₹50,000
8. Features requiring additional cost
9. Third-party services required
10. Post-launch bug-fixing/support period
11. Source-code handover confirmation

**Generic proposals will not be considered.**

We are looking for a developer who can build a genuinely functional MVP, not just a UI prototype.

Detailed business workflows and product information will be shared with shortlisted candidates under appropriate confidentiality terms.

### Project Summary

**Project:** SWARNAYA Functional MVP
**Budget:** ₹50,000 INR
**Timeline:** 4–6 weeks
**Type:** Full-stack web application
**Payment:** Fixed price
**Priority:** Functional product + clean architecture + real integrations where feasible