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Hi, I’m looking professional (iOS, android) developer with financial experience. App money transfer from visa to Visa card. MOBILE APP (Frontend) Recommended: • Flutter (best for iOS + Android) Features: • Register/login • KYC upload • Add sender card • Enter recipient card • FX quote • Send transfer • Transfer history Build scalable backend services that manage: • Authentication • User profiles • Transfers • FX calculations • Ledger/accounting • Compliance events • Notifications Integrate external providers including: Payment processing: • Stripe KYC verification: • Onfido or Stripe Identity FX and payout providers: • Currencycloud • Nium • Visa Direct / Mastercard Send compatible providers Implement automated compliance controls: Requirements: • KYC status validation • Sanctions screening • Transaction monitoring • Risk scoring • AML alerts • Audit logging Build an internal transaction ledger system using double-entry accounting principles. Must track: • User transactions • FX conversions • Fees/margins • Settlement states • Provider transaction references The platform must follow fintech security standards requirements: Mandatory: • Encrypted data storage • HTTPS/TLS everywhere • Secure webhook validation • Role-based admin access • Audit trails • PCI-aware architecture Admin & Operations Dashboard Build an internal dashboard for operations/compliance staff. Functions: • Review KYC submissions • Monitor transfers • Review AML flags • Handle failed transactions • View audit logs Architecture Expectations (AWS or Digitalocean) The system should be modular and scalable. Recommended stack: • Flutter or React Native • Node.js / NestJS backend • PostgreSQL • Redis • AWS infrastructure The architecture must support: • API-first design • Webhooks • Event-driven processing • Future scaling to additional countries/providers Compliance & Legal Awareness The IT team must understand: This is a regulated fintech product. Technical implementation must align with: • AML policies • KYC requirements • Audit obligations • Data retention rules MVP Scope Limitation Initial release should focus ONLY on: • USA sender market (from USA to 8 countries. EU to 8) • Limited transfer corridors • Card-funded transfers • Card payouts • Core transfer functionality If you read all this information, give your own rate to complete this project. Thanks!
Project ID: 40436394
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260 freelancers are bidding on average $4,314 USD for this job

Hi there, Jas this side from Logictrix and I am ready to work on your app with my team and with a promise for long term support in fairly low cost. Please just give me your few minutes for the chat so that we can discuss all the important points about project as well as we can clarify any queries from both side to go ahead further for final agreement. We are expert in AI development and we used many AI platforms like openAI, Freepik, Antigravity, Cursor etc for App development and other AI work! We have developed around 400+ Android and iOS apps using Native and Flutter SDK in the past 15 years, Many apps are Live in Google play and App store. We will share our detailed portfolio over the Chat once we connect. Below is our approach for project development process: 1. Understanding Requirements: We prioritize gaining a deep understanding of your project goals and needs. 2. Design & Development: Our skilled team uses cutting-edge technology to design and develop apps that meet your specifications. 3. Testing & Feedback: Rigorous testing ensures a flawless user experience, and we welcome your feedback at every stage. 4. Delivery & Support: We ensure smooth delivery and offer ongoing support for continuous improvement and success. Looking forward to your reply... Thanks and Regards Jas
$3,000 USD in 40 days
9.6
9.6

With over a decade of experience in full-stack architecture and high-scale systems, I understand your need for a professional developer with financial experience to create a money transfer app from visa to Visa card. My background in developing high-security FinTech solutions, including managing compliance events and implementing automated controls, directly relates to the complexities of your project. For strategic insight, I would recommend implementing role-based admin access and encrypted data storage to ensure top-notch security standards. Additionally, my successful track record in building and scaling apps for over 1 million users showcases my ability to handle projects of this magnitude. I invite you to contact me to discuss the roadmap for your financial project. I am confident that with my expertise in Flutter, Node.js, and AWS infrastructure, I can deliver a scalable and secure solution that meets all your requirements. Let's collaborate to bring your vision to life.
$4,000 USD in 45 days
8.5
8.5

Hi — Elias here from Miami. The real challenge here is not the Flutter app itself. It’s building a compliant money-movement infrastructure where transfers, KYC, AML, FX conversion, settlement states, ledger accounting, and provider webhooks remain auditable and reliable under fintech-grade constraints. A common mistake in remittance apps is treating compliance as a separate layer. In reality, KYC state, sanctions checks, transaction monitoring, risk scoring, and ledger events must be deeply integrated into the transfer lifecycle itself. I’d approach this with: Flutter frontend, NestJS modular backend, PostgreSQL ledger system, Redis queues, event-driven processing, provider abstraction layers, and AWS infrastructure with strict audit logging and RBAC. The hardest part early is designing the internal double-entry ledger correctly because every transfer, fee, FX spread, provider callback, reversal, and settlement event depends on it. For MVP covering USA + limited corridors, a realistic production-grade budget is typically in the $45k–$90k+ range depending on: provider integrations, compliance depth, admin tooling, and operational automation. One question: Have you already secured relationships/accounts with Visa Direct compatible payout providers and compliance vendors, or should provider onboarding also be part of the project scope?
$4,000 USD in 7 days
8.5
8.5

I WILL PROVIDE 2 YEAR FREE ONGING SUPPORT AND COMPLETE SOURC CODE, WE WILL WORK WITH AGILE METHODOLOGY AND WILL GIVE YOU ASSISTANCE FROM ZERO TO PUBLISHING ON STORES I am a full-stack fintech developer with 10+ years of experience in building secure, scalable mobile and backend systems. I have carefully reviewed your requirement for a Visa-to-Visa money transfer platform and fully understand the complexity around payments, FX conversion, KYC/AML compliance, ledger accounting, and multi-provider integrations. My approach will be API-first using a modular architecture (Flutter for mobile + Node.js/NestJS backend with PostgreSQL, Redis, AWS). I will implement secure payment orchestration (Stripe + FX/payout providers), double-entry ledger system, webhook-based event processing, and compliance workflows including KYC, AML screening, risk scoring, audit logs, and admin operations dashboard. Security will be built as a core layer with encrypted storage, secure APIs, role-based access, and PCI-aware design. The MVP will be scoped for USA-to-supported corridors with card-funded transfers and scalable architecture for future expansion. Development will follow agile milestones with clear delivery phases: architecture → core transfers → compliance layer → admin dashboard → testing → deployment. I eagerly await your positive response. Thanks
$3,000 USD in 16 days
8.4
8.4

Hello there, I understand you need a secure, scalable money transfer app from Visa to Visa, with KYC, FX quotes, transfers, and transaction history, plus a modular backend handling compliance, ledger, and notifications. I can build this cross-platform in Flutter with a Node.js/NestJS backend, PostgreSQL, Redis, and AWS, ensuring PCI-aware architecture, encrypted storage, and event-driven processing. I have experience building financial and payment apps integrating Stripe, Onfido, and FX providers, with strong knowledge of AML/KYC compliance and audit-ready systems. For the MVP, I’ll focus on the USA market with limited corridors and card payouts. Do you have preferred FX and payout providers, or should I suggest the most efficient options? Can we chat to finalize the scope and timeline? I’m glad to connect with you, Hammad Hassan.
$4,000 USD in 15 days
7.3
7.3

FINTECH INFRASTRUCTURE: SECURE VISA TO VISA RAILS WITH DOUBLE ENTRY LEDGER To launch a regulated money transfer platform, your backend must be as resilient as your frontend is intuitive. At Plan D Studios, we bring 12+ years of experience in Web Development and Mobile App Development, specializing in API Development for high security fintech environments and robust Database Design. Our Technical Strategy for Your MVP: Frontend: Utilizing Flutter for a high performance, PCI aware iOS and Android experience. Fintech Logic: Implementing a strict double entry accounting ledger in PostgreSQL to track user transactions, margins, and settlement states with zero room for error. Integrations: Expert handling of Stripe Identity for KYC and Currencycloud/Visa Direct for FX and payouts via secure, event driven processing. Compliance: Building automated AML monitoring and sanctions screening into the core Backend Development workflow. Operations: A secure admin Dashboard for real time monitoring and KYC reviews. Everything is developed in house to ensure the highest standards of data encryption and auditability. Given your focus on USA/EU corridors, would you like the initial ledger architecture to support multi currency settlement natively, or should we focus strictly on USD/EUR as the base currency for the MVP? Regards, Haider
$4,500 USD in 45 days
7.2
7.2

Hi there, I understand you need a regulated fintech money-transfer MVP for iOS/Android with card-funded transfers, KYC, FX quotes, Visa-to-card payouts, compliance controls, double-entry ledger, audit logging and an operations dashboard. I have 9+ years of experience building secure full-stack and mobile platforms with Flutter, Node.js/NestJS, PostgreSQL, Redis, AWS, payment APIs, KYC integrations, webhook processing, role-based access and scalable event-driven architecture. I can build the MVP with PCI-aware design, encrypted storage, Stripe/Onfido or Stripe Identity, provider-ready payout integrations, sanctions/risk workflows, transaction monitoring, admin review tools and clean documentation for future corridor expansion. Estimated MVP timeline: 14–18 weeks My fixed project rate: $28,000–$35,000 depending on final provider scope. Best regards, Stratos
$4,000 USD in 7 days
7.2
7.2

Hi there, I have read your project requirement, and you need a secure fintech money transfer platform for iOS and Android with Visa-to-Visa transfers, KYC/AML compliance, FX handling, ledger accounting, and scalable backend infrastructure. I can help you with: • Flutter-based iOS & Android application development • Node.js/NestJS backend with scalable API-first architecture • Stripe, Onfido/Stripe Identity, Currencycloud, and payout integrations • Double-entry ledger/accounting system for transaction tracking • KYC, AML, sanctions screening, audit logging, and compliance workflows • AWS/DigitalOcean cloud deployment with secure fintech architecture • Admin dashboard for compliance and operations management Quick questions: ============= Have you already selected the Visa Direct/Mastercard Send provider partner? Will you already have legal/compliance partners for AML/KYC policies? Do you need multi-currency wallets in the MVP or only direct transfer flow? Is the admin/compliance dashboard required in the Phase 1 launch? Best Regards, Srashtasoft Team
$5,000 USD in 30 days
7.1
7.1

Hello, Your mobile project caught my attention. We are a senior team with 21+ years of experience in building high-performance iOS and Android applications. Why work with us? AI Integration: We specialize in AI-driven features and smart automation. Rapid MVP: We help startups launch high-quality MVPs quickly without compromising on design. Full Cycle: From UI/UX design to App Store/Play Store publishing, we handle it all. Full Ownership: We deliver 100% of the source code upon completion. "A project that doesn't look good, never works well." Let’s build something that stands out in the markets.
$4,000 USD in 7 days
7.3
7.3

Hi, I went through the full scope carefully, and this is clearly a regulated fintech remittance platform focused on card-to-card international transfers with compliance, ledgering, and scalable backend architecture at the core. The MVP approach makes sense — starting with limited USA/EU corridors, Visa/Mastercard compatible payouts, KYC onboarding, FX quotes, and transfer tracking before scaling further. We’ve worked on payment-based systems involving KYC workflows, wallet/accounting logic, Stripe integrations, audit logging, and scalable API-first backend architectures. Your requirement for double-entry ledger accounting, AML monitoring, and provider-based payout orchestration is something we understand well from both technical and operational perspectives. A few things I’d like to clarify: • Have you finalized the payout provider (Nium/Currencycloud/Visa Direct), or should we evaluate based on corridor support? • Will compliance review be manual initially or partially automated? • Do you already have legal/compliance policies prepared for AML/KYC flows? • Should admin dashboard roles support multi-level operations/compliance access? Recommended stack would be Flutter + NestJS + PostgreSQL + Redis on AWS with modular microservice-ready architecture, webhook processing, secure event queues, and PCI-aware infrastructure. Estimated MVP timeline: 14–18 weeks Happy to discuss further and refine the roadmap together. Best, SNR
$4,000 USD in 60 days
7.1
7.1

Flutter | Fintech App Development | Visa Direct | Stripe Integration | KYC & AML Compliance | NestJS | PostgreSQL | AWS Hi, I have strong experience building secure fintech applications for iOS and Android, including money transfer platforms, payment integrations, KYC verification, and compliance workflows. I understand you need a scalable remittance app that allows users to transfer money from Visa cards to Visa cards, with KYC, AML monitoring, FX conversion, ledger accounting, and an internal admin dashboard. The MVP will include: - User registration and login - KYC document upload - Card-to-card transfers - FX quote and transfer history - Double-entry ledger - AML and risk monitoring - Admin dashboard for compliance and operations To keep the system reliable, all provider integrations (Stripe, Onfido, Currencycloud, Visa Direct) will be handled through secure APIs and webhooks with audit logging and encrypted storage. Due to NDA agreements, I’m unable to share project links here, but I’d be happy to share relevant examples in chat. I’d be happy to discuss the architecture and help you plan the most practical MVP for launch. Best regards, Purnima
$4,000 USD in 25 days
6.9
6.9

You’re not just building a transfer app here — the difficult part is making the money movement reliable while keeping compliance and reconciliation clean from day one. I’d approach the MVP by separating the transfer lifecycle early: card funding, FX lock, payout initiation, settlement tracking, and ledger recording should all be isolated services so failed payouts or webhook delays don’t corrupt balances or transaction states. For the mobile side, Flutter makes sense since the UX needs to stay identical across iOS and Android, especially during KYC and transfer confirmation flows. On the backend, I’d use NestJS + PostgreSQL with an event-driven flow for provider callbacks, AML checks, and audit events. The double-entry ledger is critical here — every fee, FX spread, reversal, and settlement update needs immutable tracking. I worked on regulated Shopify payment flows before, and the biggest issue was always webhook reliability and reconciliation drift, so I’d build idempotency and retry handling into the core transfer flow immediately. For an MVP with mobile apps, backend, admin dashboard, ledger, compliance flows, and provider integrations, I’d estimate around $45k–$70k depending on how many payout corridors/providers are included initially. I can start mapping the transfer architecture and compliance flow right away.
$4,000 USD in 14 days
6.7
6.7

Hi, I have read the full scope and can build your fintech money transfer MVP with Flutter apps, scalable backend, provider integrations, compliance workflows, double-entry ledger, and admin operations dashboard. For this type of regulated product, I would recommend Flutter for iOS/Android, NestJS backend, PostgreSQL, Redis, AWS, and an API-first/event-driven architecture. The platform can include authentication, KYC upload and validation, card funding, FX quotes, transfers, history, ledger/accounting, audit logs, AML events, sanctions/risk checks, notifications, and secure webhook handling. I have experience with financial app architecture, payment gateways, KYC integrations, transaction systems, admin dashboards, API development, and secure database design. I understand this must be PCI-aware, encrypted, role-based, auditable, and built carefully around compliance requirements, especially for USA/EU corridors and card-funded transfers. Best, Justin
$4,000 USD in 7 days
6.7
6.7

Hello, I have 4 years of experience in Web Development, React Native, Mobile App Development, Backend Development, and iOS Development. I understand your requirement for a financial mobile app that facilitates money transfers between Visa cards. I am confident in providing a professional solution that includes features like user registration, KYC verification, transfer history tracking, and integration with external providers such as Stripe and Currencycloud. I have expertise in Mobile App Development, SQL, Web Development, Backend Development, React Native, and API Development. Let's discuss further details in chat to ensure a perfect project delivery. Looking forward to connecting with you. Best regards, Taimoor from Pixels Soft Let's connect in chat for further discussion.
$3,000 USD in 7 days
6.4
6.4

Hello, I hope you are doing well. I understand that you are looking to build a MOBILE APPLICATION, and I would be happy to help. I have extensive experience in designing and developing applications and have successfully delivered many projects. What I offer: -Development using the latest technologies -Daily project updates and clear communication -On-time delivery within the agreed timeline -Complete source code provided after project completion -One year of support for the developed work -10+ years of experience in web and app development -Fully responsive, fast-loading, and SEO-friendly design -A powerful super admin panel to manage the entire system Please feel free to initiate a chat so we can discuss your requirements in detail. Thank you and regards, Dheeraj K.
$3,000 USD in 25 days
7.0
7.0

As a seasoned IT professional with over seven years of experience, allow me to express my sincere interest and enthusiasm for your ambitious fintech project. My impressive track record, consistently delivering 900+ successful projects across 14 countries, speaks volumes about my competence and dedication. I'm proud to be ranked among the top 3% of freelancers, thanks to my unwavering commitment and on-time deliverables. Drawing on a wide range of core services including Wordpress, Shopify, and Web Applications, I have the proficiency you need for your Mobile App Development (Frontend) requirements. I have proven skills in Flutter and React Native that will enable me to build you an attractive and efficient user interface for money transfer from Visa to Visa card in compliance with fintech security standards. My technical stack is diverse-Reducerac-extensive and would align well with your preferred tools like Node.js/NestJS backend, PostgreSQL, Redis and AWS infrastructure (to name a few). Moreover, being extensively aware of AML policies, KYC requirements, Audit Obligations & Data retention rules as per my Compliance & Legal awareness will prove extremely invaluable for your project's regulated nature. Choose me and my team for not just our remarkable skills but also our commitment to clear communication, thorough documentation and a one-hour response time for your day-to-day updates.
$3,000 USD in 21 days
6.7
6.7

Hi, We’ve built several financial apps, including a multi-currency wallet with KYC, AML, and PCI compliance. We also developed a web app for managing KYC submissions and AML alerts, where compliance officers could review KYC documents and flag suspicious transactions for further investigation. For your project, we can use our in-house team of experts in backend, mobile, and DevOps, ensuring you get the right talent at the right time without the cost of multiple full-time developers. Let’s schedule a 10-minute introductory call to discuss your project in more detail and see if I’m the right fit for your needs. I’m eager to learn more about your exciting project. Best regards, Adil
$4,039.20 USD in 21 days
6.3
6.3

Hello I will be able to help you in your Financial Project. Please message me so that we will have detail technical discussion. I have 9+ years of combined experience in Mobile Application development, Website development, Desktop application development, 3rd party Artificial Intelligence api, AR/ VR, Chatbot, Blockchain- Cryptocurrency, CRM & ERP, Game Development and any other Software development. I am having expertise in Native on Android Java, kotlin and IOS Swift, and For Hybrid Cross platform on Flutter Dart & React- Native, and for web and backend on react js and node js, Python Django and php CodeIgniter mvc and Laravel. Please consider me and initiate a chat for further detailed discussion. Regards, Anju
$3,000 USD in 45 days
6.5
6.5

Hi, this project requires a robust and compliant fintech architecture for cross-border card transfers, which aligns with my experience designing backend systems that handle complex transaction flows and regulatory demands. The primary engineering risk lies in orchestrating reliable transaction processing with integrated compliance controls and accurate ledger accounting under real-time constraints. I usually design modular services separating authentication, transaction management, compliance monitoring, and FX calculation to isolate concerns and improve scalability. In previous financial projects like the NYSE Day Trading Bot, I implemented precise API integrations and risk management layers that ensured reliable execution and auditability. I approach these systems by enforcing strict data validation, encrypted storage, and event-driven compliance workflows to meet fintech security and regulatory standards. I can start by outlining the transaction ledger architecture and compliance event flow, ensuring audit trails and role-based access controls are integral from the outset. Thanks, Hercules
$5,000 USD in 20 days
6.5
6.5

Hi there, Navigating the complexities of developing a secure and compliant financial app is no small feat. One significant challenge you might face is ensuring robust security and compliance with fintech regulations, which can be daunting without the right expertise. With my extensive experience in building scalable fintech solutions, particularly in mobile app development with a focus on Flutter, I am well-equipped to address these challenges effectively. Here are my questions to gain further clarity: 1. Are there specific compliance certifications that are mandatory for this project? 2. Will you need support for post-launch maintenance and feature updates? Let’s discuss your project now!
$3,000 USD in 45 days
6.1
6.1

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