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

Building a peer-to-peer payments app like Venmo requires handling complex features—user authentication, KYC verification, wallet management, real-time transactions, and push notifications—all while delivering a seamless experience across web and mobile. Traditionally, this kind of fintech prototype demands months of development time, specialized backend expertise, and separate codebases for each platform. For entrepreneurs and product teams eager to validate a P2P payments concept, these barriers can stall innovation before it even begins.

That's where Adalo comes in. Adalo is a no-code app builder for database-driven web apps and native iOS and Android apps—one version across all three platforms. AI-assisted building and streamlined publishing enable launch to the Apple App Store and Google Play in days rather than months. With External Collections and Custom Actions, you can integrate the regulated payment vendors and secure backends that fintech products require—all while maintaining a single, unified project.

Why Adalo Works for Building a Peer-to-Peer Payments App

Adalo is a no-code app builder for database-driven web apps and native iOS and Android apps—one version across all three platforms, published to the Apple App Store and Google Play. This cross-platform capability is essential for a Venmo-style payments app, where users expect seamless access whether they're on their phone or computer—and you need a robust database to track wallets, transactions, and user relationships in real time.

Publishing your P2P payments app to the app stores means you can leverage native push notifications to alert users instantly when they receive money or payment requests—a critical feature for financial apps where timing matters. With Adalo, you'll build once and reach users everywhere, giving your prototype the polished, trustworthy feel that fintech products demand.

This guide walks you through creating a peer-to-peer (P2P) payments prototype using Adalo’s 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. You can even publish the same app to the web, native iOS, and native Android with Adalo, all without writing a line of code or rebuilding anything.

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:

Profile

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

Wallet/Accounting

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

Security

• 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)

KYC via a Provider (do not store sensitive PII)

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

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”

• 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”

• 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)

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”

• 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”

• 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)

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).

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).

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”.

Timing & fees context (for your UI copy):

• 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.

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

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.

Android

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.

Both

• 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

• 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.

2. Security Baseline

• 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.

3. Real-Time & Background

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

4. Scalability

• 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

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.

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