Hi, mera fintech B2B portal already live hai (PHP backend + MySQL database). My Web Portal: https://b2b.digifinpay.com Competitor App Reference: https://play.google.com/store/apps/details?id=in.spicemudra&hl=en_IN Mujhe WebView app nahi chahiye — Full Native Android App Kotlin me rebuild karna hai. Backend APIs already available hain, Android app sirf API integration karega. Technical Requirements: • Language: Kotlin (Native Android) • Architecture: MVVM / Clean Architecture • API Integration: Retrofit + JSON parsing • Secure Login: OTP + MPIN + Device Binding • Biometric Integration: RD Service (Mantra/Morpho/Startek) via Intent (AEPS support) • SSL Pinning & Token based Session • Dashboard Dynamic API se load hona chahiye • Modules: AEPS, DMT, BBPS, Recharge, Wallet, Ledger, Flight, PAN, Loans Important: • WebView based solution accept nahi hoga • App lightweight & fast hona chahiye like SpiceMoney type UX • Future scalability ke liye clean code required Backend already ready hai, so major work UI + API binding + biometric SDK integration ka hai. Please quote only Android App development cost & timeline.