EMI Lock Finance App

I need a production-ready finance app that runs on both Android and iOS and can automatically lock a customer’s handset the moment an EMI payment deadline is missed. The idea is simple: the device stays fully functional while the customer is up-to-date with payments, but turns unusable (apart from emergency calls and our payment screen) as soon as a due date passes without settlement. As soon as the EMI is cleared, full access is restored.

Core flow
• Customers register their device and loan schedule in the app.
• The app tracks each EMI date, shows a live repayment dashboard, and pushes gentle reminders ahead of time.
• If the deadline hits and no payment is recorded, the locking module takes over automatically.
• Unlock is triggered instantly once the payment gateway confirms receipt—no manual intervention needed.

Technical expectations
– Android: implement through Device Policy Manager / work-profile or an MDM profile so the lock cannot be bypassed by reboot, safe-mode, or factory reset without our credentials.
– iOS: use MDM or Managed Lost Mode to achieve the same effect within Apple’s guidelines.
– Secure backend (Firebase, AWS, or similar) to store schedules, payment status, and push tokens.
– Payment confirmation can come from an API webhook we already have; you only need to integrate it.
– Clean, intuitive Flutter or React Native front-end so we maintain one codebase for both platforms.

Deliverables
1. Source code with build instructions.
2. Admin dashboard URL & credentials.
3. APK, TestFlight build, and a short video demo showing lock/unlock after a dummy payment.
4. Deployment guide and a hand-off walkthrough call.

Acceptance criteria
• A missed EMI instantly locks the test device within 60 seconds.
• Manual date manipulation or network drop does not bypass the lock.
• Successful payment instantly restores full access.

If this is within your skill set, let’s get started right away—I’m ready with API keys, mockups, and test loan data.