peter-binary/Opay-Clone ? reverse-engineered prompt

Build me a native Android wallet app in Kotlin that looks and feels like a polished OPay style demo, but make it clear it is UI only and does not move real money. I want a full flow with signup, login, fingerprint unlock, a main dashboard, To Bank and To OPay transfer screens, transaction history, a Me screen, settings, and a simple admin funding panel. New users should start with a ₦1,000 welcome balance, and the app should let me see balances, recent activity, and transfer confirmations. Please include shareable receipts in both image and PDF form so users can send proof of a transfer. Keep the design clean and modern, make the navigation smooth, and make the app feel complete enough to demo on an Android phone. If you need to check current Android best practices or docs while building, go ahead and look them up online.