Cross-Platform Wallet Application Development

I'm seeking a skilled developer or team to create a comprehensive wallet application and web interface. This platform will cater to three primary user types: end-users, merchants, and administrators.

Key Features:
- Standard wallet functionalities: send money, receive money, withdraw money
- Mobile recharging capabilities
- Subscription services top-up (e.g., Netflix)
- Incentives systems: earn rewards and cashback

User Verification:
- Implement multi-layered verification process: Email and SMS verification, alongside a KYC method catered towards Africa's regulatory framework.

User Interface:
- A sleek and modern interface is essential. The design should be user-friendly, yet sophisticated enough to appeal to tech-savvy users.

Requirements:
- Please share your quotation alongside a relevant portfolio, a detailed hours estimation, and your preferred tech stack for this project.

Ideal Skills and Experience:
- Extensive experience in cross-platform app development (iOS, Android, Web)
- Proven track record in creating secure, user-friendly wallet applications
- Familiarity with KYC methods and Africa's financial regulations
- Exceptional UI/UX design capabilities
- Ability to deliver a modern and sleek application interface.