Fintech B2B Portal Rebuild: Native Android App -- 2

Hi, mera fintech B2B portal already live hai (PHP backend + MySQL database).

My Web Portal: https://b2b.digifinpay.com
Competitor App Reference: https://play.google.com/store/apps/details?id=in.spicemudra&hl=en_IN

Mujhe WebView app nahi chahiye — Full Native Android App Kotlin me rebuild karna hai.

Backend APIs already available hain, Android app sirf API integration karega.

Technical Requirements:

• Language: Kotlin (Native Android)
• Architecture: MVVM / Clean Architecture
• API Integration: Retrofit + JSON parsing
• Secure Login: OTP + MPIN + Device Binding
• Biometric Integration: RD Service (Mantra/Morpho/Startek) via Intent (AEPS support)
• SSL Pinning & Token based Session
• Dashboard Dynamic API se load hona chahiye
• Modules: AEPS, DMT, BBPS, Recharge, Wallet, Ledger, Flight, PAN, Loans

Important:

• WebView based solution accept nahi hoga
• App lightweight & fast hona chahiye like SpiceMoney type UX
• Future scalability ke liye clean code required

Backend already ready hai, so major work UI + API binding + biometric SDK integration ka hai.

Please quote only Android App development cost & timeline.