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Attn: For coders and software engineers who have gone to school for coding and can show proof! Figmas Ready 🚀 CONFIDENTIAL PROJECT OVERVIEW — THE NEXT BIG THING IN FINTECH We are building a revolutionary, all-in-one financing and payments platform designed for service-based businesses (medical, dental, wellness, legal, beauty, etc.). This system is MASSIVE and will become one of the most important tools in the industry. We need elite engineers — real coders, educated, experienced, and excited to build something groundbreaking. This project includes: 🟦 A Business Owner App 🟩 A Borrower App 🟥 A Full Internal Admin System 🤖 AI-Powered Automation & Predictive Systems 🔧 A Modern BaaS (Banking-as-a-Service) Backend We’re looking for developers who want a long-term relationship and want to help build the next billion-dollar fintech platform. ⭐ 1. Business Owner App (Web + Mobile Responsive) Audience: clinics, med-spas, dentists, law firms, beauty studios — any business offering services. Purpose: This is their financial control center. What it Includes: A complete loan management system A one-time payment platform (ACH + card) A subscription membership engine A revenue & payout dashboard A client management system A business settings + staff administration panel What makes it exciting: This app gives small businesses financial superpowers they’ve never had before. It turns every service provider into a mini-fintech company overnight. AI Features (built into this app): Predictive revenue forecasts Smart payout projections Risk monitoring notifications Automated insights (why payments fail, which clients may default) AI suggestions for optimal membership pricing AI-powered financial health scoring Tech Specs: React or Next.js Node.js / TypeScript backend PostgreSQL + Prisma ORM Dwolla for ACH Helcim for card processing Idenfy for KYC (business verification) Finicity/MX for bank linking Pinwheel/Argyle for income/balance data Fully mobile responsive This app will become the most powerful financing dashboard ever built for SMBs. ⭐ 2. Borrower App (Web App — Mobile First) Audience: clients/patients who already have a loan. 🎯 Important change: Borrowers do NOT complete KYC here. This app is ONLY for loan management, payments, and discovering new businesses. What it Includes: View loan status View payment schedule See past payments & upcoming due dates Update payment date Change payment method Make one-time payments Discover new service providers nearby This is the borrower’s control panel for their financial plan. AI Features: Personalized reminders Intelligent “next payment date” recommendations Smart categorization of user behavior AI-powered provider recommendations Loan health insights (“You are 3 payments ahead,” etc.) Tech Specs: Next.js or React Mobile-first responsive design Secure borrower auth Real-time loan status from backend Stripe/ACH fallback handling Google Maps API for provider discovery This app will feel like the Credit Karma / Mint.com for service financing, but hyper specialized. ⭐ 3. Internal Admin Platform (Staff Dashboard) Audience: our internal team. Purpose: This is the “mission control” system that manages the entire ecosystem. What it Includes: Business onboarding + approval Borrower management Loan review & risk flags Payment monitoring (ACH failures, returns) Membership oversight System-wide configuration Webhook monitoring Support tools Full audit logs AI Features: Automated risk scoring Fraud detection patterns Predictive delinquency modeling AI explanations (“This loan is high-risk because…”) Operational alerts Portfolio-level projections This is the brain of the entire platform. Tech Specs: Next.js Admin UI Node.js API PostgreSQL Role-based access control (RBAC) Audit logging Integration dashboards (Dwolla, Idenfy, MX/Finicity, etc.) ⭐ 4. AI ENGINE (Embedded Into All Three Apps) This AI layer transforms the whole ecosystem into a self-improving financial network. AI Capabilities: Smart payment timing Recovery mode after failed payments Predictive analytics Revenue forecasting Risk scoring Fraud detection Behavioral pattern analysis Membership optimization Conversational AI assistant (internal + borrower + business versions) This system learns from millions of data points and helps reduce defaults, increase revenue, and improve borrower outcomes. ⭐ 5. Core Backend (BaaS Engine) This is the foundation powering everything. Includes: Loan engine (schedule generation, status updates, charging logic) Membership billing engine One-time payment engine Ledger (double-entry accounting) Payout engine to businesses Webhooks for all integrations Multi-tenant architecture for businesses Events + logs for AI modules Tech Stack: Node.js / TypeScript PostgreSQL Prisma Redis (queues + caching) Docker / CI / CD Dwolla (ACH) Helcim (card) Idenfy (KYC) MX/Finicity (bank link) Pinwheel/Argyle (income/balance) This backend must be fast, secure, compliant, and built for scale. 🚀 WHY THIS PROJECT IS SPECIAL This system will transform the way service businesses operate financially. It is huge, ambitious, and has the potential to become the next major fintech breakthrough. We are not looking for average coders. We are looking for: 🔥 Top-performers 🔥 People who graduated with real CS degrees 🔥 Engineers who have built fintech systems before 🔥 Developers hungry for long-term work 🔥 Teams who want to grow with a billion-dollar product This platform is the future.