I want to launch a real-time chat application that does more than just exchange messages—it lets people make or receive money directly inside the conversation. Think of tipping a helpful responder, paying for premium advice, or rewarding community moderators without ever leaving the chat window. Here’s what I need built: • A modern chat interface with text, emojis, file sharing, read receipts, and typing indicators. • Secure in-chat payments: users can send, receive, or request money while chatting. Stripe, PayPal, or another popular gateway is fine as long as payouts work globally. • Basic wallet balance for every account, including a transaction history view. • Admin dashboard where I can set fees or commissions, handle disputes, and suspend accounts if necessary. • Solid back-end architecture (Node.js, Firebase, or a comparable real-time stack) so the system scales smoothly. Clean code, responsive UI, and straightforward deployment instructions are essential. If you’ve built chat apps, wallets, or micro-payment platforms before, that experience will help a lot. I’m open to suggestions on tech choices as long as the final product is secure, fast, and easy for me to maintain.