Argentina Multi-Platform Virtual Wallet

I’m building a full-featured virtual wallet for the Argentine market that must work seamlessly on iOS, Android, and the web. At its core the product will let users:
• send and receive payments in pesos,
• transfer money between their own accounts, and
• keep an eye on spending through clear budgeting and analytics screens.

All three channels should share a single codebase for business logic so balances stay perfectly in sync, yet feel fully native on each platform. The web experience can be a responsive PWA; the mobile apps should be store-ready builds.

A critical piece is direct integration with local banks. I will provide the list of institutions and any available API docs; the code needs to handle secure user authentication (OAuth or equivalent), real-time balance retrieval, and instant transfer initiation while staying compliant with Argentine regulations and PCI-DSS best practices.

Deliverables I expect:
1. Technical architecture diagram and stack decision (your suggestion is welcome—React Native + Node, Flutter, or another approach).
2. UX wireframes covering onboarding, KYC, payment flow, transfers, and budgeting dashboard.
3. Fully functional backend with encrypted data storage, webhook handling for bank notifications, and REST/GraphQL endpoints exposed for all wallet operations.
4. Production-ready iOS and Android builds plus a live web deployment.
5. Basic test suite (unit + integration) and CI/CD scripts so future iterations ship quickly.
6. Handover package: repo access, environment variables template, and concise runbook.

The project is ready to start as soon as we confirm the tech stack and timeline; sensible milestone proposals are welcome so we can track progress against each feature group.

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