Fintech app with ability to generate token or voucher and send it to another user, and then he/she can load the token both offline and online

I am looking for a skilled developer who can create a fintech app for both iOS and Android platforms. The app should have the ability to generate tokens or vouchers and send them to other users. The recipients should be able to load these tokens both offline and online.

Specific Requirements:
- The app should be compatible with both iOS and Android platforms
- The app should have a feature to generate tokens or vouchers
- The app should have a feature to send tokens or vouchers to other users
- The app should have a feature to load tokens both offline and online

Preferred Skills and Experience:
- Experience in developing fintech apps for both iOS and Android platforms
- Proficiency in programming languages and technologies suitable for mobile app development
- Knowledge of token or voucher generation and redemption processes
- Ability to provide suggestions and recommendations for improving the app functionality based on a rough idea provided by the client

Please note that while I have a general preference for the programming language or technology to be used, I am open to suggestions from the expert.