I need a single code-base solution that ships simultaneously to iOS, Android, and the web. The project combines standard SaaS essentials—secure user authentication, seamless payment processing, and reliable push notifications—with an AI-driven layer that adds real-time intelligence to the user experience (think personalized recommendations or automated decision support; I’m open to your suggestions). Tech stack is flexible as long as the end result feels native on mobile and loads quickly in the browser. Flutter, React Native + Next.js, or another proven cross-platform toolkit is fine—just explain why you prefer it. Deliverables • Responsive web app plus published iOS & Android builds • Fully implemented: – User authentication (email/social login, secure session handling) – Payment gateway integration (Stripe or comparable) – Push notifications (FCM/APNs + browser) • AI module wired into the core workflow, with clear documentation • Clean, commented code in Git and a brief hand-over walkthrough Submit links to past work that best demonstrate similar cross-platform or AI features, along with a concise outline of how you’d tackle this build from architecture to deployment.