Step-by-Step Guide: Building a Venmo Clone with Adalo

This guide walks you through creating a peer-to-peer (P2P) payments prototype using Adalo’s no-code platform. You’ll implement core flows—registration, KYC intake (via a third-party), wallet accounting, send/request money UX, notifications, and a funding/withdrawal UI—without writing custom native code.

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Important: This is a custodial/off-ledger prototype for educational purposes. Real money movement, customer funds custody, and compliance obligations (e.g., MSB/MTL licensing) depend on your business model and jurisdiction. Use External Collections and Custom Actions to connect regulated vendors and a secure backend.

Setting Up Your Adalo Account

Step 1: Create Your Adalo Account

1. Visit Adalo.com and sign up.
2. Verify your email.
3. Create New App → choose Mobile App.
4. Name your project (e.g., “PeerPay”).
5. Start from Scratch.

Step 2: Choose Your Plan

Review Adalo pricing for current plan features (publishing, External Collections/Custom Actions for APIs, seats, limits). Pick a plan that supports your required integrations.

Step 3: Configure Your Theme

Select a trustworthy palette (neutral base; clear success/error accents), set typography and spacing, then continue to the builder.

Designing the Data Model

Step 4: Extend the Users Collection

Database → Users → add properties:

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Profile

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• Full Name (Text), Phone Number (Text), Profile Photo (Image)
• Date of Birth (Date), Address/City/State/Zip (Text)

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Wallet/Accounting

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• Wallet Balance (Number, default 0.00)
• Pending Balance (Number, default 0.00)
• Currency (Text, e.g., “USD”)

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Security

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• PIN Hash (Text — store a salted hash only, never plaintext)
• Two-Factor Enabled (True/False)
• Account Status (Text: “Active”, “Suspended”, “Pending Verification”)
• Verification Status (Text: “Unverified”, “Pending”, “Verified”)
• Last Login (Date & Time)

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KYC via a Provider (do not store sensitive PII)

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• Identity Verification Token (Text — reference from Stripe Identity/Persona/etc.)
• KYC Status (Text: “Not Started”, “Pending”, “Approved”, “Rejected”)
• Verification Provider (Text)

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Security note: Don’t store SSNs, government ID images, or plaintext PINs in Adalo. Use a compliant identity provider and store only tokens/statuses. 

See: Stripe Security • Stripe Identity • Persona • OWASP Mobile

Step 5: Transactions Collection

+ Add Collection → “Transactions”

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• Transaction ID (Text), Amount (Number)
• Type (Text: “Send”, “Request”, “Receive”, “Withdraw”, “Deposit”)
• Status (Text: “Pending”, “Completed”, “Failed”, “Cancelled”, “Refunded”)
• Currency (Text)
• Description (Text), Note (Multiline)
• Is Public (True/False), Category (Text, optional), Reference Number (Text)
• Processing Fee (Number), Net Amount (Number), Exchange Rate (Number)
• Created Date (Auto), Completed Date (Date & Time), Updated Date (Date & Time)

Step 6: Payment Methods Collection

+ Add Collection → “Payment Methods”

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• Type (Text: “Card”, “Bank”)
• Brand/Bank Name (Text), Last Four (Text)
• Card Expiry Month/Year (Numbers)
• Account Type (Text: “Checking”, “Savings”)
• Is Default (True/False), Is Verified (True/False)
• Stripe Payment Method ID (Text)
• Added Date (Auto)

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PCI scope note: Use Stripe’s UI elements/tokens so card data never touches your servers. Stripe is PCI DSS Level 1; Adalo itself is not your PCI certification. 

See: Stripe Security

Step 7: Transaction Requests Collection

+ Add Collection → “Transaction Requests”

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• Request ID (Text), Amount (Number)
• Description (Text)
• Status (Text: “Pending”, “Paid”, “Declined”, “Expired”)
• Due Date (Date)
• Created Date (Auto), Reminder Sent (True/False), Last Reminder Date (Date & Time)

Step 8: Contacts Collection

+ Add Collection → “Contacts”

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• Nickname (Text), Favorite (True/False)
• Last Transaction Date (Date & Time), Total Transactions (Number)
• Added Date (Auto)

Step 9: Relationships

• Transactions ↔ Users: “Sender” (Many-to-One), “Recipient” (Many-to-One)
• Payment Methods ↔ Users: Many-to-One
• Transaction Requests ↔ Users: “Requester” (Many-to-One), “Payer” (Many-to-One)
• Transactions ↔ Payment Methods: Many-to-One
• Contacts ↔ Users: “Owner” (Many-to-One), “Contact User” (Many-to-One)

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Adalo Database Basics

Installing Components & Integrations

Step 10: Payments (Prototype Funding UX)

1. Open the Adalo Marketplace → install Stripe.
2. Create a Stripe account and add publishable/secret keys in Adalo.
3. For subscriptions or mobile IAP, consider IAPHUB (optional).

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Compliance note: For production P2P money movement, you may need MSB/MTL licensing and bank partners. Using Stripe/Stripe Connect can reduce but does not automatically eliminate licensing obligations. Consult counsel. 

Step 11: Security-Adjacent Components

• PIN input (Marketplace)
• QR Generator/Scanner (for payment codes)
• Image upload with compression (for document capture routed to KYC provider)

Step 12: Location (Optional, as a fraud signal)

• In Adalo, open Settings → Permissions.
• Toggle Location → set to Ask When Needed.
• Create a screen Fraud Signals Explainer:
  
  • Add Text: “Location is optional and used only for risk checks.”
  • Add Buttons: Allow Location (Action: Request Location Permission) and Not Now (Action: Link → Home).
• On screens where you want location:
  
  • Add a “Get Current Location” action on Screen → Will Appear (or behind a “Use My Location” button).
  • Save to the logged-in User: Last Known Lat (Number), Last Known Lng (Number), Last Location Time (Date & Time).

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Tip: Keep location optional; it’s not required for P2P payments.

Authentication & Onboarding

Step 13: Welcome

1. Rename default screen to Welcome.
2. Add Image (logo), Headline, Subhead.
3. Add Button: Sign Up → Link to Sign Up Step 1.
4. Add Button: Login → Link to Login.
5. Add Rich Text with links to Terms and Privacy pages.

Step 14: Sign Up (Step 1: Account)

1. Add Screen → Sign Up Step 1.
2. Drag a Form (Users):

• Fields: Email, Password, Full Name, Phone.

3. Under Submit Actions:

• Action 1: Create User.
• Action 2: Link → Sign Up Step 2.

4. Add validation text under the form: “Password ≥ 8 chars; include letters & numbers.”

Step 15: Sign Up (Step 2: Personal)

1. Add Screen → Sign Up Step 2.
2. Add a Form (Logged In User) with fields:

• Date of Birth, Address, City, State, Zip.

3. Add a Continue button:

• Action 1: Update Logged In User (no extra fields; ensures commit).
• Action 2: Link → Sign Up Step 3.

4. (Optional) Use a Dropdown for State and a Regex validation for ZIP.

Step 16: Sign Up (Step 3: Security)

1. Add Screen → Sign Up Step 3.
2. Add two PIN Inputs (from Marketplace) → “Create PIN” and “Confirm PIN”.
3. Add a Continue button:

• Custom Action: POST to your backend /hash-pin with the plain PIN → returns pin_hash.
• Update Logged In User: set PIN Hash = pin_hash.
• Link → Sign Up Step 4.

4. Add a 2FA Toggle bound to Users → Two-Factor Enabled.

Step 17: Sign Up (Step 4: KYC Intake)

1. Add Screen → Sign Up Step 4 (KYC).
2. Add Text: “Verify your identity with our provider.”
3. Add Button: Start Verification:

• Custom Action: Call your KYC provider (e.g., Stripe Identity/Persona) to create a verification session.
• Response → identity_verification_token.
• Update Logged In User: set Verification Provider, Identity Verification Token, KYC Status = Pending.
• Open Link (if provider returns a hosted flow URL) in webview.

4. Add Button: I’ve Completed Verification:

• Custom Action: Check verification result.
• If Approved → update KYC Status = Approved; else Rejected/Pending.
• Link → Login or Home.

Step 18: Login & 2FA

1. Add Screen → Login.
2. Add a Form (Users) with Email/Password and Login action.
3. Add Link “Forgot Password?” → Reset Password screen.
4. After Login:

• Add a Conditional Link:
  
  • If Two-Factor Enabled = True → 2FA Verification.
  • Else → Home.

5. 2FA Verification Screen:

• Add 6-digit code input.
• Add Verify button:
  
  • Custom Action: Verify code with Twilio Verify or Firebase MFA.
  • On success → Home. On fail → Toast “Invalid code”.
• Resend Code (disabled 30s using Countdown component).

Home & Core Money Flows

Step 19: Home Dashboard

1. Add Screen → Home.
2. Header row: Profile (link → Profile), App Title, Settings (link → Settings).
3. Wallet Card: Large text bound to Logged In User → Wallet Balance; buttons Add Money and Transfer to Bank.
4. Quick Actions Row: Send, Request, Scan QR, Split Bill (link each to respective screens).
5. Recent Activity List:

• Collection: Transactions.
• Filter: Sender = Logged In User OR Recipient = Logged In User.
• Sort: Created Date DESC.
• Limit: 10.
• Cell: avatar (counterparty), name, description, amount (green if receive; red if send), time ago.

Step 20: Send Money (Step 1: Recipient)

1. Add Screen → Send Money 1 (Select Recipient).
2. Add Search input (updates a temporary text property).
3. Add Tabs: Contacts, Recent, New (use Conditional Lists).

• Contacts: List Contacts where Owner = Logged In User; sort Favorite DESC, Last Transaction Date DESC.
• Recent: List unique counterparties from Transactions in last 30 days.
• New: Show text input for email/phone/username + Search button.

4. On Select Recipient (any tab) → Link to Send Money 2 (Amount) and pass Selected User.

Step 21: Send Money (Step 2: Amount)

1. Add Screen → Send Money 2 (Amount).
2. Show Recipient (image, name, handle).
3. Add Amount Input (numeric keypad); add Validation: amount > 0 and ≤ Logged In User → Wallet Balance.
4. Add Note input (200 char limit).
5. Add Privacy toggle bound to a temporary boolean.
6. Add Payment Method row: show default method; Change → Payment Methods.
7. Continue button → Confirm Payment (pass payload).

Step 22: Confirm Payment

1. Add Screen → Confirm Payment.
2. Show summary: amount, recipient, method, fee line (if any), total.
3. Add PIN Input; optionally Biometric button (if device supports).
4. Confirm Payment button:

• Custom Action: /verify-pin with entered PIN (server returns true/false).
• If false → Toast “Incorrect PIN”.
• If true:

1. Create Transaction (Type “Send”, Status “Processing”, link Sender/Recipient, set amount, note, privacy).
2. Update Logged In User: Wallet Balance = Wallet Balance − amount.
3. Update Recipient: Pending Balance = Pending Balance + amount.
4. (Optional) Delay/Confirm step → move Pending → Wallet Balance.
5. Update Transaction: Status = “Completed”.
6. Trigger Push to recipient.
7. Link → Payment Success with Transaction ID.

Step 23: Payment Success

1. Add Screen → Payment Success.
2. Add Checkmark/animation, big “Payment Sent!”.
3. Show Amount, Recipient, Transaction ID.
4. Buttons: Send Again (back to Amount with same recipient), Done (Home), Share Receipt (invoke native share with summary).
5. If privacy = Public → Create Feed Post record.

Requests & Approvals

Step 24: Request Money

1. Add Screen → Request Money.
2. Reuse recipient picker from Send Money 1 (or link to it).
3. Amount input (must be > 0), Description (required), optional Due Date.
4. Send Request button:

• Create Transaction Request (Requester = Logged In User, Payer = Selected User, Status “Pending”).
• Push to payer.
• Link → Request Sent.

Step 25: Incoming Requests

1. Add Screen → Payment Requests with Tabs:

• Requests to Pay: list where Payer = Logged In User AND Status = Pending.
• Requests Sent: list where Requester = Logged In User.

2. For each Pending item in Requests to Pay:

• Buttons Pay and Decline.
• Pay → route to Confirm Payment with payer=Logged In User, recipient=Requester, and amount prefilled.
• On success, Update Request → Status “Paid”; link the Transaction ID.

Funding & Withdrawals

Step 26: Add Money (Deposit)

1. Add Screen → Add Money.
2. Add Preset Buttons ($20/$50/$100/$200) + Custom Amount input (min $10, max $2,000).
3. Add Payment Method list with Set Default action.
4. Add Add Money button:

• Custom Action: Call your backend /create-payment-intent (Stripe), pass amount + PM ID.
• Confirm client-secret if using Payment Element; on success:
  
  • Create Transaction (Type “Deposit”, Status “Completed”, Amount = X).
  • Update Logged In User: Wallet Balance += X.
  • Toast “Funds added”; Link → Home.
• On failure: Toast with error; Create Transaction Status “Failed”.

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Timing & fees context (for your UI copy):

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• Instant Payouts (US): commonly ~1% fee (min $0.50); timing varies and isn’t guaranteed. See: https://stripe.com/docs/payouts/instant-payouts
• Standard bank transfers: typically 1–3 business days.

Step 27: Transfer to Bank (Withdraw)

1. Add Screen → Transfer to Bank.
2. Show Available Balance; add Amount input (≤ balance).
3. Add Bank Account Selector:

• Verified accounts only; “Add Bank” → Add Bank Account.

4. Options:

• Standard (1–3 business days).
• Instant (timing varies; if you charge an app fee, show it clearly).

5. Transfer button:

• Custom Action: Call your backend /payout (server-side Stripe Connect/Payout).
• On success: Create Transaction (Type “Withdraw”, Status “Processing”), Update Wallet Balance −= amount, Toast.
• Use webhook from backend to flip Transaction → “Completed/Failed”.

QR Payments

Step 28: My QR Code

1. Add Screen → My QR Code.
2. Add Toggle: “Request Specific Amount”.
3. If on, show Amount input.
4. Generate QR with payload (user_id, username, optional amount).
5. Add Share and Save Image actions.

Step 29: Scan QR

1. Add Screen → Scan QR with camera/QR component.
2. On successful scan:

• Parse payload; Lookup User by ID/username.
• If payload contains amount → Link → Confirm Payment with prefilled amount.
• Else → Link → Send Money 2 (Amount) with selected recipient.

History & Details

Step 30: Transaction History

1. Add Screen → Transaction History.
2. Controls:

• Segmented Control: All / Sent / Received / Deposits / Withdrawals.
• Date Range: Last 7/30/90 days, Custom.
• Search: counterparty name or description.

3. List (Transactions):

• Filter by segment + date range; Sort Created Date DESC; Group by date.

4. Cell: avatar, title, amount (green/red), status badge, time ago.
5. On tap → Transaction Detail.

Step 31: Transaction Detail

1. Show Status badge, Amount (large), Type.
2. Sections:

• Participants (Sender/Recipient cards).
• Details (Description, Transaction ID, Date/Time).
• Payment Method (brand/last4).
• Fees (if any).

3. Actions (conditional by status):

• Report Problem, Request Refund, Download Receipt, Share Receipt.
• If Failed: show Reason and Try Again.

Profile & Settings

Step 32: Profile

1. Add Screen → Profile.
2. Top: Photo, Full Name, @username, Edit Profile button.
3. Stats row: Total Transactions, Member Since, Verification Badge (show if KYC Approved).
4. Shortcuts: Payment Methods, Bank Accounts, History, Contacts.

Step 33: Edit Profile

1. Add Screen → Edit Profile.
2. Form (Logged In User): Photo, Full Name, Username (unique), Email (re-verify flow), Phone (re-verify flow), Bio.
3. Save Changes → Update + Toast on success.

Step 34: Security Settings

1. Add Screen → Security Settings.
2. Login Security: Change Password, Change PIN (PIN inputs → backend hash), Biometrics toggle, 2FA toggle.
3. Transaction Security: Require PIN for all, or only above $X; Biometric for large payments.
4. Account Security: Active Sessions list, Log Out All Devices, Trusted Devices.
5. Notifications: toggles for money received/sent, requests, big transactions, login attempts, new device.

Step 35: Privacy Settings

1. Add Screen → Privacy Settings.
2. Profile Visibility: Everyone / Friends / No one.
3. Default Transaction Privacy: Public / Private.
4. Social Toggles: show in feeds, allow tagging.
5. Data Controls: Download my data (link to backend export), Delete my account (double confirmation).

Payment Methods

Step 36: Payment Methods List

1. Add Screen → Payment Methods.
2. Button: Add Payment Method.
3. Two Lists (Cards, Bank Accounts) filtered by user.
4. Each item: brand/bank, last4, expiry (cards), Default/Verified badges.
5. Actions per item: Set Default, Remove, Verify (if unverified).

Step 37: Add Card

1. Add Screen → Add Card.
2. Embed Stripe Payment Element (via webview or custom action flow).
3. On success:

• Save Stripe Payment Method ID, Brand, Last4, Is Verified = False.
• Toast “Card added”; Link back.

Step 38: Add Bank Account

1. Add Screen → Add Bank Account.
2. Method A (Plaid): Button Connect with Plaid → on success save bank details and Is Verified = True.
3. Method B (Manual):

• Inputs: Bank Name, Routing (9 digits), Account Number (hidden), Confirm Account Number, Type (Checking/Savings).
• On Add:
  
  • Save masked details and Is Verified = False.
  • Trigger micro-deposits via backend.
  • Link → Verify Bank Account.

Social Feed (Optional)

Step 39: Activity Feed

1. Add Screen → Social Feed with Tabs: Friends / Public / You.
2. List public transactions with: avatars, names (or obfuscated), description, time, Like/Comment (optional).
3. Add Banner explaining public visibility + link to Privacy Settings.

Notifications

Step 40: Configure Push

1. In Settings → Notifications, enable push for the app.
2. On Welcome/First Launch, request permission.
3. Trigger notifications in actions:

• Money received (“💰 You received $X from Y” → deep link to Transaction Detail).
• Request received (“💳 [Name] requests $X” → open Request).
• Security events (new device, password change, large payment).

Step 41: Notification Settings

1. Add Screen → Notification Settings.
2. Toggles:

• Transactions: money received, money sent, requests, >$X alerts.
• Social: friend requests, comments/likes.
• Security: login attempts, new device, account changes.

3. Delivery: Push (in-app), Email/SMS (if integrated).
4. Quiet Hours: Start/End time pickers + days.

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Web/PWA note: Web push is browser/OS-dependent and may be limited vs native. Verify current Adalo support and test on target browsers.

Risk Controls & Recovery

Step 42: Transaction Limits (Daily/Weekly/Per-Tx)

1. Create Collection → Account Limits with properties:

• Daily Limit (Number, default e.g., 1000)
• Weekly Limit (Number, default e.g., 5000)
• Single Tx Limit (Number, default e.g., 500)
• Tier (Text: “Unverified”, “Verified”, “Business”)

2. In Users, add Relationship → Limits (Many-to-One: each User → one Account Limits).
3. Seed at least two limit tiers (e.g., “Unverified” and “Verified”) in Account Limits and assign to users.
4. On Confirm Payment button (Step 22), before creating a Transaction, add Checks:

• Single Tx: If Entered Amount > Logged In User → Limits → Single Tx Limit → Toast “Exceeds single-payment limit”.
• Daily: Create a List Magic Text (count/sum) filter on Transactions where Sender = Logged In User AND Created Date is Today → compute sum_today. If sum_today + Entered Amount > Daily Limit → block with message.
• Weekly: Similar filter where Created Date ≥ Today – 7 days → compute sum_week; compare to Weekly Limit.

5. Add a “Increase Limits” CTA:

• Link → KYC/Verification screen (Step 17) or Support to request a review.
• When KYC becomes Approved, switch the user’s Limits relationship to the Verified tier.

Step 43: Fraud Signals & Step-Up Authentication

1. Create Collection → Risk Events with properties:

• Type (Text: “Rapid Sends”, “New Device”, “New Recipient High Value”, “Location Mismatch”)
• Severity (Text/Number), Details (Text), Created Date (Auto)
• Linked Transaction (Relationship: Many-to-One)
• User (Relationship: Many-to-One → Users)

2. Signals to Implement (as pre-checks on Confirm Payment):

• Rapid Sends: Count Transactions by Sender = Logged In User in last 5 minutes; if ≥ threshold (e.g., 3), create Risk Event and require PIN/2FA again (show modal → verify).
• First-Time High-Value Recipient: If no prior Transactions with this recipient AND amount ≥ X → create Risk Event → add extra confirmation screen “First payment to this person”.
• New Device: On Login, store Device Name/OS (if you capture via custom action) as Trusted Device. If different device → flag and require 2FA.
• Location Mismatch (optional if you collect location): Compare current location to User’s last known location or home country/state; if far, increase severity and require step-up auth.

3. For flagged cases:

• Insert a modal screen (“Extra verification required”) with PIN Input OR 2FA code gate.
• If step-up fails → Cancel action and log Risk Event.

4. Create an Admin Review screen to list Risk Events with filters by Severity, User, and Date.

Step 44: Account Recovery (Password & PIN)

1. Forgot Password:

• Add Screen → Forgot Password with Email input & Submit button.
• Custom Action → call your backend /password-reset/start (sends email with token).
• Add Screen → Reset Password with Token, New Password, Confirm Password.
• Submit → call /password-reset/confirm; on success → Toast and Link → Login.

2. Forgot PIN:

• Add Screen → Forgot PIN.
• Steps:

1. Authenticate with account password (Form → backend /reauth).
2. Optional: 2FA code screen (Twilio/Firebase verify).
3. Create PIN & Confirm PIN → backend /hash-pin → Update Logged In User → PIN Hash.

• Toast “PIN updated” → Link → Home.

3. Rate Limits:

• Add Failed Attempts (Number) & Last Attempt At (DateTime) to Users.
• Increment on failures; if ≥ threshold, lock for N minutes (use conditional blocks to prevent form submission and show countdown).

Testing & QA

Step 45: Seed Test Data

1. Create 5 Test Users with varied states:

• A: Verified, 2FA ON, multiple methods
• B: Unverified, low limits
• C: Verified, card + bank, high volume
• D: New, no methods
• E: Edge-case scenarios (names, emoji notes, long addresses)

2. Seed Contacts for each user (10–20 entries).
3. Seed Transactions:

• Mix Send/Receive/Deposit/Withdraw; varied statuses (Completed/Failed/Pending).
• Include public and private items for the feed.

4. Stripe Test Cards:

• Success: 4242 4242 4242 4242
• Decline: 4000 0000 0000 0002
• Insufficient funds: 4000 0000 0000 9995
• Document these on a QA Notes screen.

5. For payouts, point your backend to test mode and use small dollar amounts.

Step 46: Test Core Flows (Checklist Screens)

1. Create Screen → QA Checklist (for internal testers).
2. Add grouped Toggles/Checkboxes with deep links to flows:

• Registration & KYC: Sign up → KYC start → status changes.
• Payments: Send (success/fail), Request → Pay/Decline, Split Bill.
• Wallet: Add Money (card success/fail), Withdraw (standard/instant).
• Limits: Hit Single/Daily/Weekly caps.
• Fraud: Trigger step-up on rapid sends & first-time high value.
• Security: 2FA, PIN wrong/right, lockouts, recovery.
• Notifications: Received money, request, security events.

3. Add a Log Issue button that opens mailto: or posts to your bug tracker via Custom Action.

Step 47: Performance Tuning

1. Lists: Set Max Items per page (e.g., 25–50) and enable pagination.
2. Filters: Always apply filters + sort; avoid lists within lists (prefer separate screens or inline counts).
3. Images: Use compressed uploads and cap image dimensions for avatars.
4. Caching: Store lightweight snapshots (balances, last 10 tx) in User for fast loads; refresh via pull-to-refresh or timers.
5. External Calls: Batch server calls (deposit/verify combinations), use webhooks to update statuses asynchronously.
6. Diagnostics: Create a hidden /debug screen that shows last API errors, webhook last seen, build version, and user ID.

Publishing

Step 48: Prepare for Launch

1. Switch to Production Keys for Stripe, KYC provider, notifications.
2. Legal Screens in app:

• Privacy, Terms, Acceptable Use, Fee Schedule, Support.

3. Settings → About:

• Show App Version, Build Date, Links to legal pages.

4. Support Flows:

• Report a Problem form → send to support inbox/webhook.
• Disputes: create a Disputes collection & screen for user submissions.

5. Security Review:

• Confirm TLS only endpoints, no secrets in client, tokens only for PII.

6. Content Review:

• App icons, screenshots, copy; ensure public feed has safe wording & content filters.

Step 49: App Store Submission

iOS

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1. In Adalo Publish → iOS. Fill metadata, upload assets (icons/screenshots).
2. Use Apple Developer account (required).
3. Generate/build → download or submit via App Store Connect.
4. Notes: Review times vary; plan several days. Respond promptly to review questions.

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Android

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1. In Adalo Publish → Android. Fill metadata, upload assets.
2. Use Google Play Console (one-time $25 fee).
3. Upload AAB, complete content ratings, privacy, data safety.
4. Submit for review; timelines vary; allow buffer.

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Both

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• Ensure privacy policy URL is public and accurate.
• Verify Push/APNs/FCM credentials are set and tested.

Step 50: Web App (PWA)

1. In Adalo Publish → Web App.
2. Set Custom Domain; configure DNS A/CNAME and SSL.
3. Create a Web-specific Home variant if needed (larger canvas, different navigation).
4. PWA Notes:

• Install prompt and offline are limited compared to native.
• Web push support is browser/OS-dependent; test target browsers.

5. Publish and test across Chrome, Safari, Firefox, Edge.

Platform Limits & Workarounds (Actionable)

1. Compliance Boundary

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• Treat this app as a prototype; for production money movement, consult counsel on MSB/MTL licensing, KYC/AML, sanctions screening, chargebacks/disputes, and record-keeping.
• If using Stripe/Connect, confirm how responsibilities apply to your model and jurisdictions.

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2. Security Baseline

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• Force TLS 1.2+ to all APIs.
• Keep SSNs/ID images out of Adalo DB; store tokens & statuses only via KYC provider.
• Hash PIN server-side; never store plaintext.

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3. Real-Time & Background

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• Use timer-based refresh for near-real-time UI.
• Offload streaming/webhooks to your backend; update Adalo via External Collections / Custom Actions.

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4. Scalability

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• Keep lists small; paginate.
• Move heavy analytics/history to an external backend (Xano/your API).
• Add admin tools for KYC reviews, limits changes, and risk event triage.

Cost Overview (Set Expectations in App Copy)

1. Adalo: Verify current plan and limits on the Pricing page.
2. Stripe (US reference):

• Cards: ~2.9% + $0.30 per successful charge (varies by region/method).
• Instant Payouts often ~1% (min $0.50), timing varies.

3. App Stores:

• Apple Developer $99/year; Google Play $25 one-time.

4. Maintenance:

• Budget ~15–25%/year of initial effort for updates, security, and compliance monitoring.

Links & Docs (Quick Access inside Your App)

• Adalo Database: https://help.adalo.com/database
• External Collections: https://help.adalo.com/integrations/external-collections-with-apis
• Custom Actions: https://help.adalo.com/integrations/custom-actions
• Optimize Performance: https://help.adalo.com/performance/optimize-app-performance
• Adalo Marketplace (Stripe, PIN, QR, etc.): https://www.adalo.com/marketplace
• Stripe Security: https://stripe.com/docs/security
• Stripe Instant Payouts: https://stripe.com/docs/payouts/instant-payouts
• Stripe Testing: https://stripe.com/docs/testing
• KYC Vendors: https://stripe.com/identity • https://withpersona.com/
• Push Notifications (Adalo): https://help.adalo.com/action-basics/notifications/trigger-push-notifications
• Apple App Review: https://developer.apple.com/app-store/review/
• Google Play (Dev Help): https://support.google.com/googleplay/android-developer
• NIST TLS 1.2/1.3: https://csrc.nist.gov/publications/detail/sp/800-52/rev-2/final
• Twilio Verify (2FA/MFA): https://www.twilio.com/verify
• Firebase Authentication (docs home): https://firebase.google.com/docs/auth
• Firebase MFA (Web): https://firebase.google.com/docs/auth/web/multi-factor

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Note: With these step-by-step screens, validations, and server-side hooks, your Venmo-style prototype covers wallet accounting, send/request, QR pay, funding/withdrawals (server-initiated), alerts, and risk controls. For production money movement and custody, integrate regulated partners, keep sensitive data off the client, and run full security/compliance reviews before launch.

This guide is for educational purposes only and is not legal, compliance, or financial advice. Consult qualified counsel about MSB/MTL licensing, KYC/AML obligations, data protection, and payments compliance for your specific business model and jurisdictions.