I am building a fully regulated prediction-market platform that runs as both a web application and a cross-platform mobile app. The core experience is simple: users open an account, browse an event, and either create or join a market. Wagers can be placed with real money or with a built-in virtual currency, so the architecture must cleanly separate the two flows while sharing the same UI and back-end logic. Because the scope reaches everything from sports and finance to politics and niche events, the market-creation engine has to be flexible—custom resolution sources, variable fee structures, fixed-odds and continuous-order-book formats, and instant settlement once outcomes are verified. A real-time order book, live price charts, and trade history should update instantly over WebSockets. Compliance is non-negotiable. I need KYC/AML onboarding, geofencing where required, activity logging, and a permissioned admin panel that lets me freeze accounts, approve new event templates, and pull full audit reports at any time. For real-money flows, Stripe (or an equivalent regulated payments gateway) will handle deposits and withdrawals, while the virtual wallet can recharge via simple in-app taps. Deliverables I expect • Responsive website (React, Next.js or equivalent) • iOS & Android app from a single codebase (Flutter or React Native are fine) • REST / WebSocket API with full documentation • Admin dashboard with user controls, market controls, and compliance reporting • Secure relational database (PostgreSQL or similar) with migration scripts • Infrastructure-as-code for deployment to AWS, GCP, or Azure • Clear hand-over: source code in Git, build/run instructions, and a short walkthrough video Acceptance criteria 1. A user can register, pass KYC, fund an account, create a market, and settle it end-to-end in both real and virtual modes on test infrastructure. 2. Admin can retrieve an audit log showing every critical action with timestamp and IP. 3. Load test shows the platform sustaining 10 000 concurrent websocket connections with no data loss. If you have a track record in fintech, betting exchanges, or similar real-money apps and can tick off the above deliverables, I’m ready to move quickly.