Developer brief Add the following prioritized features to the existing Node.js Socket.io chat app: Real‑time multilingual pipeline (High) — signup language preference; per‑recipient auto‑translate; toggle original/translated; per‑chat override; low‑latency queueing and cache. In‑app wallet & payments (High) — ledger service, multi‑currency balances, integrate payment APIs (mobile money, card), transaction PIN, KYC hooks, transaction history and dispute flow. Safety & moderation (High) — AI‑assisted classifiers, human review queue, report/block UX, verified profiles. Badges & reputation (Medium) — badge rules, reputation score with decay and penalties, tie to search/visibility. Community marketplace & creator monetization (Medium) — country/city rooms, pitch boards, micro‑invest/tipping, creator channels, paid sessions. Admin dashboard (Low‑Medium) — cross‑room metrics, wallet flows, moderation queue. Privacy roadmap (Long term) — plan for optional E2EE and encryption at rest. Deliverables: API endpoints, DB schema changes, unit tests, and deployment notes. Confirm translation API.