I need a PHP/Codeigniter expert to build a financial portal to handle Savings with monthly interest and Referral based income.
SAVINGS AND REFERRAL PROGRAM
Users will be able to register to the portal and create and account (Personal Details and Bank details will be captured), also an savings account number will be auto generated for the new user, an email alert will be sent with account creation details. After account creation the user can fund his account with a minimum of N500 and maximum of N20,000 which he can pay through an online payment gateway or offline (Bank transfer or bank deposit). When the user uses the online payment gateway to fund his account successfully his account wallet will automatically reflect the payment. If customer chooses offline payment, he will have to send payment details to the provided admin email so his account can be manually funded. An email alert will be sent with receipt of payment. At the end of every month the system will automatically add a "set" percentage of the customers account balance as interest to his account. Customers can also make more money through the referral program (When they invited users to open account using their referral code/link the moment that user registers and funds his account a "set" percentage of that money will be created into the Parent users account. Customer can request of payout/cash out anytime they want but there will be a minimum balance to be set for all accounts.
Other features of the portal are:
Buying and Selling of Products (B2B)
Earn money promoting products/services for other users in the community.
Social network features so customers can interact with each other.
Please mention the word "WAKANDA" when you bid so i know you read my brief.
I need only established developers to bid.
We will also be needed a mobile app for this as well. So please bear that in mind when costing.
Referral Program and earnings
Buy Products/Services (Can make payment from wallet or credit card)
Promote products and services for others to earn money
Post products and service to be promoted (How can we monitor if a user actually promoted the product to earn his money??)
Social network features
Mass message to all users or individuals
Initiate/approve cash out