Kotlin-Based B2B Fintech App Rebuilding

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.