Build a Fully Functional Cashloan/Finance/BNPL web app (native apps can follow afterwards)

Looking for a fully functional front end and backend app.

Phase 1 : Microlender Status/feature



• Users can request for a loan.
• The amount will come as a pre approved amount x instead of a wallet amount (This is because we are a microlender and not a bank, for now)
• They can then use the amount by it being paid into their requested bank account (Admin will have to get this processed/automation to be created in future) – this would be a withdrawal
• Pre Approved user can send money to other bank account (incase they want to pay someone they owe)
• Backend (Admin) to be integrated with Loandisk* or we need to create. Our own database and backend system for Debits and Credits
• Be able to buy or pay for Utilities, Top Up Airtime, DSTV, Internet, Accounts via the App (In App payments)



Phase 2 : Payment Method/Platform Status/feature



• They can use the pre approved amount to pay at shops via QR codes/vendor numbers via payment gateways. Using Pre Approved Loan amount, Debit or Credit Card.



Phase 3: Wallet Status/feature



• Money can be sent between users, transferred
• Cross Border transfers
• Payment for minimum amounts such as ZAR 5.00 to 100.00 (Rands)



# Features of User App #
---------------------------------
1) Splash Screen:
• This is the main screen of the app and will appear every time when the user opens the app and will disappear automatically after 3-5 seconds.
• It will contain the following things such as:
- App Logo
- App Name
- Tagline



2) Login:
• Email ID & Password
• Social Media Login via Facebook/Google
• Apple ID



3) Sign up & Create Account:
• Full names
• Email address
• Mobile number
• OTP verification
• Upload id proof
• Enter bank details
• Enter password
• Password
Full KYC needs to be applied.
Note: Admin will take some time to approve the user for the verification process.



4) Apply for a credit card: Once the user is approved by the app then users will be able to apply for the credit card of the app by entering the details like-
• Enter the address for the delivery of cards
• Select the date and day for the delivery of cards
When loans are given there should always be a digital signature requested,that gives permission for us to loan the money to customer.



5) Home page: On the home page, users will be able to view the features such as-
• QR code
• Make Payment (Someone or Business) -
• Requesting loan
• Latest transactions
• Transfer money
• Cashback
• Notification
• Setting



6) QR code: In this user will be able to use the QR code scanner for the payment to other shops such as-
• View QR Code
• Scan the code from the QR code scanner of the app
• Payment from the available amount of loan



7) Requesting loan: In this, users will be able to request a loan from the bank account of the app such as-
• Enter amount
• Maximum loan amount
• Available amount
• Add to the bank account
• Date for return money to the bank
• Pay in EMIs
• Use the QR code scanner for the payment
Note: Users will be able to pay the amount of the loan in EMI if users are not to pay the amount at one time.



? Approved loan confirmations: In this, users will be able to receive the confirmation message taking loans such as-
• Total loan amount
• Return date
• Available balance



The rest is on the document attached.