Galaxies-dev/fintech-clone-react-native ? reverse-engineered prompt

Build me a React Native fintech app that feels polished and modern, like a Revolut style clone.

I want users to be able to sign in with Clerk using SMS OTP, then move through a clean mobile banking experience with smooth animations, swipe and gesture interactions, and a nice lock screen style flow. Include screens for a home dashboard, balances, transactions, and crypto info, with charts for price trends and a few native style menus where they make sense.

Use file based navigation, keep state handled cleanly, and make the app remember user data locally so it feels fast when reopened. Pull live crypto prices from CoinMarketCap if possible, and make the UI feel premium with a strong visual design and realistic fintech details. If you need to look up current docs online while building, go ahead.