The immediate goal is to deliver a highly secure escrow app for both iOS and Android that handles P2P, B2B, P2B and B2P transactions right out of the gate. Bank-grade encryption, a strict zero-trust architecture, and full OWASP compliance are non-negotiable pillars of the build. Phase 1 – Mobile First • Design and code the core escrow workflow for peer-to-peer and business-to-business payments. • Implement strong customer authentication, role-based access, and end-to-end encrypted data at rest and in transit. • Integrate a modular backend API so we can later expose the same services to a web portal and USSD interface without rewriting business logic. Security & Compliance Every line must pass automated OWASP checks, static code analysis, and peer review. Key vault management, token-based sessions, and granular audit trails are required so the platform is ready for future PCI DSS and SOC 2 audits. Payments & Wallets The app should be architected to plug into popular mobile wallets and local payment rails (think Apple Pay, Google Pay, and regional wallets) through clear adapter classes. A sandbox integration that demonstrates at least one live mobile wallet transaction will form part of acceptance testing. Tech Stack Native Swift/Kotlin or a robust cross-platform framework like Flutter or React Native is acceptable; I’m open to your professional recommendation as long as performance, security, and code maintainability are fully addressed. A containerised backend (Node.js, Java Spring, or similar) running behind an API gateway with JWT or OAuth 2.0 is preferred. Deliverables (MVP) 1. Universal iOS and Android apps compiled for App Store and Google Play internal testing. 2. Secure backend API with full documentation and Postman collection. 3. Admin/ops panel (basic) for dispute management and escrow release. 4. Automated test suite covering critical paths and security checks. 5. Deployment scripts (CI/CD) and hand-over documentation. Acceptance Criteria • All P2P and B2B flows complete without data leakage, meeting OWASP Top 10 standards. • End-to-end transaction completes in <4 seconds on 4G. • Codebase passes independent penetration test with zero critical findings. • Source, docs, and build pipelines delivered in my private repo. Web and USSD channels come next, so clean architecture and modular code are essential. Let’s build a rock-solid foundation that scales safely into those future phases.