iOS Bank App Clone Build

I need a native iOS application that fully reproduces the day-to-day experience of a modern mobile-banking app. The build has to feel production-ready, running smoothly on the latest iPhone devices and written entirely in Swift (SwiftUI or UIKit is fine as long as Apple’s Human Interface Guidelines are respected).

Core scope
• Account management: create/login with secure authentication, view balances, update profile details, and handle session timeout correctly.
• Transaction history: pull and display past movements in an infinite-scroll list, complete with filters, search, and a clear “pending vs. posted” status.
• Bill payments: set up payees, schedule one-off or recurring payments, show confirmation screens, and surface payment receipts inside the history feed.

Deliverables
1. Complete Xcode project with clean, well-commented code.
2. Signed .ipa ready for TestFlight distribution.
3. Lightweight API layer that can be pointed to dummy JSON endpoints, making it simple for my back-end team to swap in real services later.
4. Read-me that walks through build/run steps, third-party libraries (if any), and environment variables.
5. Basic unit tests covering the critical banking flows.

Acceptance criteria
• No crashes or UI glitches on iOS 16 and above.
• All data fields update in real time and persist between sessions.
• Touch ID/Face ID unlock works when enabled.
• Code passes static analysis with no critical warnings.

This is a self-contained iOS job—no Android work is required. If anything in the outline is unclear, let me know before you start so we can lock requirements early and keep the project moving smoothly.