Premium P2P Lending App Development

# Project Title

**Develop a Premium P2P Lending Mobile Application (Flutter + Node.js + MongoDB)**

## Project Overview

I am looking for an experienced Flutter and Node.js developer (or team) to build a premium Peer-to-Peer (P2P) lending application named **ATOM (Anytime On-Demand Money)**.

The application will connect verified lenders and borrowers through a secure bidding-based lending system with wallet integration, KYC verification, repayment tracking, and an admin approval process.

This is a long-term project, so clean architecture, scalability, and high-quality UI are important.

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# Technology Stack

* Flutter (Android & iOS)
* Node.js Backend
* MongoDB Database
* REST APIs
* Firebase Notifications
* OTP Authentication
* Razorpay / PayU Integration
* Clean Architecture & Secure APIs

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# User Roles

### 1. Admin

* Dashboard
* User Management
* KYC Approval/Rejection
* Loan Approval
* Wallet Management
* Transaction Monitoring
* Commission Management
* EMI Management
* Audit Logs
* Reports & Analytics

### 2. Borrower

* Registration
* Mobile OTP
* Email OTP
* KYC Submission
* Income Proof Upload
* Company Email Verification
* Create Loan Request
* View Bids
* Select Lender
* Track Loan
* EMI Status
* Notifications

### 3. Lender

* Registration
* KYC
* Wallet Funding
* Set Lending Preferences
* View Eligible Loan Requests
* Place Bid
* Edit Bid
* Lock Bid
* Withdraw Bid
* Confirm Disbursement
* Earnings Dashboard

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# Authentication

* Mobile OTP
* Email OTP
* Secure Login
* Forgot Password
* Change Password

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# KYC Module

Manual KYC (MVP)

* PAN Upload
* Selfie Upload
* Salary Slips Upload
* Company Email Verification
* Admin Approval

Future Ready

* Signzy
* IDfy
* Karza
* DigiLocker Integration

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# Wallet Module

* Wallet Balance
* Add Money
* Transaction History
* Wallet Locking
* Wallet Deduction
* Refund Handling

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# Loan Workflow

1. Borrower creates loan request.
2. Eligible lenders receive notifications.
3. Lenders place bids.
4. Borrower compares bids.
5. Borrower accepts one lender.
6. Lender confirms disbursement.
7. Amount moves to ATOM wallet.
8. Admin verifies.
9. Money is released to borrower.
10. EMI schedule is generated.

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# Bidding System

* Interest Rate Bidding
* Lock Bid
* Editable Bid
* Withdraw Bid
* Bid Closing Timer
* Lowest Interest Comparison
* Borrower Bid Selection

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# Repayment Module

* EMI Schedule
* Auto EMI Status
* Due Dates
* Remaining Balance
* Penalty Calculation
* Payment History

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# eMandate Integration

* UPI AutoPay
* eNACH
* Mandate Status
* Auto Debit
* Failed Payment Retry

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# Admin Panel Features

* Dashboard
* User Verification
* Loan Approval
* Wallet Monitoring
* Transaction Logs
* Commission Settings
* EMI Configuration
* KYC Review
* Block / Unblock Users
* Reports

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# Notifications

* Push Notifications
* Loan Updates
* Bid Updates
* EMI Reminders
* Wallet Updates
* KYC Status

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# UI Requirements

Looking for a premium UI similar to:

* CRED
* PhonePe
* OneCard

Design Expectations:

* Dark Theme
* Premium Animations
* Glassmorphism
* Smooth Navigation
* Modern Dashboard
* Responsive Design

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# Deliverables

* Complete Flutter Source Code
* Node.js Backend
* MongoDB Database
* API Documentation
* Admin Panel
* Clean Folder Structure
* Deployment Support
* Bug Fixes
* Documentation

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# Developer Requirements

Please apply only if you have experience with:

* Flutter
* Node.js
* MongoDB
* Payment Gateway Integration
* OTP Authentication
* Wallet Systems
* REST APIs
* Secure Backend Development

Please include:

* Similar projects you've completed
* Estimated timeline
* Estimated cost
* Suggested improvements (if any)

This project may lead to a long-term collaboration for future versions and additional features.