The app should run on both IOS and Android operating systems. Whether this is possible right from the beginning is of course a question of the price and programming capabilities, otherwise I would start with exclusively IOS. It will not require a tablet optimization. The app mainly needs a system which can deal with money Internally ( to be able to have an account balance for the user, for example) and the integration of instant money transfer and normal money transfer functions. The integration of video advertising is also very important.