I’m building a mobile solution that lets Indian users keep money in an in-app wallet, move funds to another user instantly, and withdraw to their own bank account—everything powered by Razorpay Checkout for top-ups and RazorpayX for payouts. Core scope • Native or cross-platform build released on both iOS and Android • Multi-factor user authentication (OTP / email or comparable second factor) baked in from the first screen • “System wallet” ledger maintained in our backend so every rupee is tracked, reconciled, and auditable • Add Money: Razorpay Payment Gateway integration with success / failure callbacks and balance update • Wallet-to-wallet transfer: real-time credit / debit with robust concurrency handling • Withdraw: RazorpayX Payouts—automatic beneficiary verification, status polling, and error handling • Transaction history with filters, downloadable CSV, and dispute tagging • Corporate, professional UI that stays crisp on light and dark mode • Admin console to view balances, manually adjust wallets, and export reports Acceptance criteria 1. End-to-end demo on TestFlight and internal Play Store track showing top-up → transfer → bank withdrawal. 2. All sensitive traffic encrypted, keys stored with industry best practices, and Razorpay webhooks verified. 3. Codebase, API docs, and minimal deployment guide handed over so my team can extend features later. If you have prior experience with Razorpay or PCI-DSS compliant wallets, the project will move faster, but the final deliverables above are what matter most.