Develop a Comprehensive P2p Lending Platform (Atom)

We are seeking experienced full-stack developers to build the ATOM platform, a referral-driven lending platform connecting lenders and borrowers through a regulated intermediary. The platform is inspired by the P2p-nbfc model and will facilitate structured emi lending with robust verification and controlled fund flows.

Key Features and Functionalities:

User Roles: Admin, Lender, and Borrower.

Admin Dashboard:
- Comprehensive user management (view, approve, modify, block/unblock).
- Full transaction visibility.
- Borrower-lender relationship tracking.
- System logs.
- Configuration options for repayment schedules, interest rates, and platform commissions.

Lender Functionality:
- E-KYC completion.
- Setting maximum lending amount.
- Defining repayment preference (EMI or fixed duration).
- Browsing and viewing borrower profiles matching criteria.
- Accepting or rejecting loan requests.
- Tracking active loans, earnings, requests, and notifications.
- Fund flow management (sending funds to ATOM).

Borrower Functionality:
- Registration and identity verification (via DigiLocker).
- Uploading required documents (e.g., 3-month salary slips).
- Company email verification (OTP).
- Posting loan requirements (amount, preferred EMI/duration).
- Viewing eligible lender lists.
- Sending loan requests to lenders.
- Tracking loan status (Request Sent, Approved, Money Disbursed).
- Dashboard displaying active loan details, EMI schedule, payment progress, and next due date.
- Restriction to one active loan at a time.
- Specifying upi id for fund disbursement.

Signup/KYC Flow:
- Mobile/email OTP verification.
- Profile information capture (Name, Country, State, City, Pincode, Occupation).
- E-KYC integration (Aadhaar + PAN via DigiLocker).
- Password setup.

Payment Flow:
- Lender transfers funds to the ATOM intermediary.
- Admin receives funds and borrower details.
- Admin finalizes and configures the repayment terms.
- Platform fee deduction.
- Disbursement of the final loan amount to the borrower's specified upi id.
- Generation and sharing of the EMI plan with both lender and borrower.

The ideal freelancer or team will have strong experience in building secure, scalable financial platforms, integrating third-party APIs (KYC, payment gateways), and developing intuitive user interfaces for multiple user types.