I need a production-ready mobile escrow solution that runs natively on both iOS and Android. The core flow is straightforward: a buyer initiates a transaction, pays through Paystack, we hold the funds, the seller fulfils the order, the buyer confirms with an OTP, and the money is automatically released to the seller. If anything goes wrong, an admin dashboard must let me pause or resolve the deal. Key workflow I expect inside the app • Sign-up / sign-in with either phone number or email, each verified by OTP • Buyer starts a transaction by entering the amount and the seller’s phone or email • Instant Paystack checkout; status switches to “Payment Held” on success • Push/SMS/email notifications keep both sides updated • Seller marks the item as delivered (or the system listens for courier API confirmation) • Buyer receives a fresh OTP, confirms receipt, and the system releases funds to the seller’s Paystack-linked account • Escalate to admin if either party flags a dispute Tech requirements • React Native, Flutter or another cross-platform framework that compiles into fully native iOS & Android builds • Secure Paystack integration (webhooks, split payments, transfer endpoints) • Firebase or similar for real-time notifications and OTP dispatch • Clean, minimal UI that feels trustworthy for first-time users • Simple web-based admin panel to view, hold, or refund transactions Deliverables 1. Source code with clear comments and build instructions 2. Final builds uploaded to TestFlight and Google Play Console for review 3. Admin panel credentials and deployment guide 4. Post-launch support for critical bug fixes during the first 30 days The escrow logic is the heart of the project, so please outline your proposed tech stack, any similar Paystack work you have done, and an estimated development timeline when you respond.