We are looking for someone to build a Digital Wallet that can be downloaded OR it can be like a Digital Pass (Open to both ideas), whereby the end users can buy/sell/transfer points from Peer to Peer at NO cost to them. There can be no transaction costs. The Points that this wallet/or card will hold can only be created by us as reward points. Need someone who can create this. Has to work cross borders. This has to be IOS Apple/Andriod & Web based.