riyadmondol2006/ivy-wallet-M3 ? reverse-engineered prompt

Build me an Android personal finance app called Ivy Wallet M3.

I want a clean Material 3 experience for tracking income, expenses, accounts, and savings, with a modern feel and smooth motion throughout. It should have a Home screen with a summary of balances, a way to switch between Home and Accounts, and a transaction list where items animate nicely when added or expanded. Please include a credit card style account option too, so I can set a credit limit, see how much I owe, and tap a button to mark it as paid.

I also want a settings area with theme controls, a simple appearance picker, and a sync setup where I can back up and restore my data using my own Upstash Redis account. The app should support manual and automatic sync, and it should feel polished on Android with Compose and Material 3. If anything is unclear, look up the current docs online and make sensible choices.