Instant Loan App Android & iOS

I’m ready to build an instant-loan application and need a developer who can deliver polished Android and iOS versions simultaneously. The very first milestone is a bullet-proof user onboarding flow that verifies people by sending a one-time password to their mobile number; no email, social login or biometrics for now—OTP is the only gate to the app. Here’s what I expect as the initial deliverable: • A clean, responsive login/registration screen that accepts a phone number and triggers an SMS OTP. • Backend or third-party gateway integration (Firebase Auth, Twilio, or a service you recommend) to dispatch and validate the code. • Secure session handling so users stay signed in across app restarts, with graceful failure states for expired or incorrect codes. • Source code that’s well-documented, easy to build, and ready for TestFlight and Google Play internal testing. Acceptance criteria: 95 % of test OTPs arrive within 10 seconds, invalid attempts are rate-limited, and the code base passes a basic security review. After this core module is stable I’ll move on to calculators, loan history and other features, so choosing the right architecture now is important. Let me know your preferred tech stack, similar OTP work you’ve shipped, and the timeframe you’d need to hit the first milestone.