Full-Stack FinTech Developer (Mobile App + AI Integration) for MVP Build

We are seeking an experienced Full-Stack Developer (or a lean, high-performing development agency) to build the Minimum Viable Product (MVP) for an innovative financial tech application called Miogar. The app features three distinct user roles (Landlord, Tenant, and Informal Housing) and focuses heavily on financial literacy, credit building, and housing stability. The UX/UI design has already been completed by a professional product designer. You will be provided with a complete, pixel-perfect Figma prototype and detailed user flows, meaning no guesswork is required on your end. Core Features & Required Integrations: Secure API Architecture: Must handle highly sensitive user data with banking-level security protocols. Plaid API Integration: Securely connect user bank accounts to pull real-time balances, transaction history, and recurring expenses. AI Voice Coach ("Mio"): Integrate a Large Language Model (e.g., GPT-4 or Gemini) combined with Speech-to-Text and Text-to-Speech APIs. Users must be able to use voice commands to ask financial questions, and the AI will calculate responses based on their live Plaid data (e.g., "Can I afford this purchase?"). OCR Document Scanner: Allow users to upload photos of complex documents (like lease agreements) so the AI can summarize and decipher the text into simple terms. Educational Module Tracking: A backend system to track user progress through a 9-week video curriculum ("Minds With Purpose") and unlock milestones. Role-Based Dashboards: Distinct data flows for property management versus tenant financial tracking. Ideal Tech Stack: Frontend: React Native (or Flutter) for iOS/Android cross-platform deployment. Backend: Node.js, Python, or similar robust framework. Database: PostgreSQL, MongoDB, or AWS infrastructure. Requirements: Proven experience building secure FinTech applications (portfolio examples required). Deep experience orchestrating AI Agents and working with LLMs. Ability to translate high-fidelity Figma designs into clean, responsive frontend code. Clear communication and regular milestone check-ins. To Apply: Please begin your proposal with the word "ARCHITECTURE" so we know you read the full description. Include 2-3 links to relevant mobile apps you have deployed, specifically highlighting any experience with Plaid or AI voice integrations. Note: The listed budget of $3,000 is just a placeholder, and the final price can change depending on the scope of work. Based on the features listed above, please provide your rough estimated quote and timeline for building this MVP.