Developing Mobile App Multi-Langauage (iOS, Android and HarmonyOS)

We are looking for an experienced software development company or senior full-stack team to design, develop, integrate, test, and launch a complete MVP for a digital gold ownership platform.
The platform will allow users to buy, hold, sell, redeem, and track ownership of physical 24K gold through a secure mobile experience.
The selected freelancer/team will be responsible for:

• Native iOS application
• Android-responsive web application (or equivalent cross-platform proposal)
• Backend APIs and business logic
• Admin Portal for operations and monitoring
• Database design with ledger-based wallet architecture
• User authentication and OTP security
• KYC integration
• Payment gateway integration
• Payout processing integration
• Gold price feed integration
• Rewards and referral system
• Marketplace / Shop module
• Notifications and price alerts
• Document generation (invoices, ownership certificates, receipts)
• Reporting, reconciliation, and audit logs
• Deployment, testing, and launch support

Key Features

• User registration and authentication
• KYC verification
• Gold wallet management
• Buy gold
• Sell gold
• Redeem physical gold products
• Rewards and points conversion
• Referral program
• Partner loyalty integration
• Activity and statements
• Support ticketing and WhatsApp integration
• Admin dashboard and operational controls

When applying, please provide:
- Relevant fintech or wallet projects.
- Recommended technology stack.
- Estimated timeline.
- Estimated development cost.
- Team structure and roles.