Build "SmartAjo": A Secure Fintech Web App for Thrift Savings

I am a Legal Practitioner looking for an experienced Full-Stack Developer (or Team) to build SmartAjo—a digital platform that modernizes the traditional Nigerian "Ajo/Esusu" thrift system.
​We have the Full Technical Specifications, Database Schema, and Business Logic ready. We need a developer to execute this blueprint into a secure, responsive Web Application (PWA).
​Core Project Logic (The "Tri-Wallet" System):
​The application relies on a specific logic where every user has three distinct balances:
​Locked Savings Wallet: For daily contributions. Funds are frozen until cycle maturity (e.g., 31 days).
​Matured Wallet: Funds move here automatically upon maturity (minus a 1-day Admin Commission). These funds are liquid for withdrawal.
​Utility/Credit Wallet: Used for instant Bill Payments and Loan disbursements.
​Key Features to Build:
​1. Customer Portal:
​Registration/KYC: Phone OTP verification + Bank Account linking.
​Savings Plans: Users subscribe to daily plans (e.g., ₦1k/day).
​Bill Payments: Integration with VTPass API to pay Electricity/Airtime using "Matured" funds.
​Education Shield Module: A specific logic where saving 70% of a target triggers an automatic 30% loan top-up.
​2. Field Agent Portal (Mobile Optimized):
​Cash Logging: A simplified interface for Agents to search for a user and log cash received.
​SMS Triggers: System must send instant SMS alerts to customers upon cash entry.
​Daily Reconciliation: A report showing "Total Cash Logged" vs "Cash Remitted."
​3. Super Admin Dashboard:
​Global Liquidity View: Total Locked vs. Total Matured funds.
​Approvals: Manual approval button for Withdrawal Requests.
​User Management: Ability to ban users or agents.
​Loan Engine: Algorithm to calculate loan eligibility based on savings consistency.
​Required Integrations:
​Payment Gateway: Paystack or Flutterwave (for card funding).
​Bill Payment API: VTPass or Reloadly (for Airtime/Power).
​SMS Gateway: Termii or SmartSMSSolutions.
​Tech Stack Preference:
​Backend: PHP (Laravel) OR Node.js.
​Frontend: React, Vue.js, or Clean Blade Templates (Must be Mobile Responsive).
​Database: MySQL.
​Security: SSL, CSRF Protection, and Bcrypt for passwords are non-negotiable.
​Deliverables:
​Full Source Code (uploaded to GitHub/Bitbucket).
​Database SQL File.
​Deployed & Tested Application on my Server.
​30 Days of Post-Launch Bug Support.
​Budget & Timeline:
​Budget: $500 - $650].
​Timeline: 4 - 6 Weeks.