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.