Fintech App development

I am looking for an App with these features
Personas
- SME
- Students
- X-border
- Youths who are Tech Savvy
- Stall Owners
- Marketeer
- Distributors

Services (Use cases)
* Bill payments (utilities)
* Transfers
* Levy’s /Statutory payments
* Purchases (e.g. data, airtime)
* Cashouts
* Online payments (Virtual cards)
* School fees
* Crypto conversions
* Micro-loans (micro finance license required)
* Interest earning Savings (micro finance license required)
* Insurance (partnering with insurance companies)
* QR code for Merchants
* Value Added Services (VAS) - e.g. an ecosystem for marketeers
* Cross-boarder payments/transfers (dimension lifestyle)
* Digital bureau de change

Accessibility
* App (iOS and Android)
* USSD

Distribution Channels
* Direct Agents