UPI P2P Mobile App

I’m building a mobile application that enables seamless peer-to-peer transfers over India’s UPI network. The project covers end-to-end development for both iOS and Android, including secure integration with NPCI-approved UPI APIs and bank SDKs.

Security is non-negotiable: users must be able to authenticate with a 4–6 digit PIN as well as optional biometric checks (fingerprint on Android, Face ID/Touch ID on iOS). All sensitive data should stay encrypted on device and never be logged, in line with RBI and PCI-DSS best practices.

A clean, minimal UI that mirrors the familiarity of existing UPI apps (GPay, PhonePe, etc.) is important, but I’m open to the framework you prefer—whether that’s Flutter, React Native, Kotlin + Swift, or another proven stack—so long as it meets App Store and Play Store performance guidelines.

Deliverables
• Universal codebase compiled and tested for latest iOS & Android releases
• UPI collect/send flow: register VPA, generate/scan QR, send request, and confirm payment
• Dual-layer authentication: PIN entry screen and biometric fallback/override
• Basic transaction history with filters and search
• Build, signing, and store-submission documentation so I can reproduce future releases

I’ll provide access to the requisite bank sandbox, any NPCI paperwork, and branding assets. Please factor in a short UAT window for bug fixes, then help me push to production.