Futuristic Fintech App Development

I want to create a fintech app that combines the benefits of mutual fund investments with the convenience of traditional banking services, similar to Curie Money. The app should offer the following features: Core Functionality: Seamless integration of mutual fund investments (e.g., liquid funds) with banking-like features. Real-time UPI payments and QR code scanning directly from invested funds. Instant withdrawals and deposits, maintaining liquidity for users. A dashboard to track returns, transactions, and account balance. User Experience: Fully digital onboarding process with KYC verification. Intuitive and user-friendly interface for financial management. Smart recommendations for investment options based on user profiles. Notifications and reminders for account activity, returns, and investment opportunities. Security: Bank-grade encryption for all transactions and data storage. Multi-factor authentication for login and sensitive actions. Compliance with local financial regulations and standards. Additional Features: Support for recurring investments (SIPs) and goal-based savings. Educational content to guide users on financial literacy. Tiered reward system for achieving savings milestones or referring new users. Integration with third-party financial tools (e.g., tax calculators). Backend: A scalable backend capable of handling financial transactions securely. Integration with mutual fund APIs and UPI payment gateways. Analytics and reporting tools for monitoring app performance. Target Audience: Young professionals and individuals seeking better returns on savings. Small business owners looking for flexible financial solutions.