React Native Fintech Starter

Opinionated React Native starter for building financial mobile applications. Includes biometric authentication, secure storage, certificate pinning, and CI/CD — the security and infrastructure groundwork that every fintech app needs.

Features

Security

• Biometric authentication — Face ID, Touch ID, and Android Fingerprint
• Secure encrypted storage — iOS Keychain and Android Keystore
• Certificate pinning — Prevent MITM attacks on API communication
• Jailbreak/root detection — Detect compromised devices
• Screen capture prevention — Block screenshots on sensitive screens
• Inactivity timeout — Auto-lock after configurable idle period

Infrastructure

• TypeScript in strict mode
• React Navigation 6 with typed routes
• Zustand for state management with encrypted persistence
• API layer with Axios, interceptors, retry logic, and request queuing
• Offline-first architecture with background sync
• Push notifications via FCM (Android) and APNs (iOS)
• Deep linking with Universal Links and App Links
• OTA updates with CodePush
• CI/CD with Fastlane and GitHub Actions

Testing

• Unit tests with Jest
• E2E tests with Detox
• Snapshot tests for UI components

Project Structure

├── src/
│   ├── api/              # API client, interceptors, endpoints
│   ├── assets/           # Images, fonts, animations
│   ├── components/       # Shared UI components
│   │   ├── base/         # Base components (Button, Input, Card)
│   │   └── feedback/     # Loading, Error, Empty states
│   ├── config/           # Environment config, constants
│   ├── hooks/            # Custom hooks
│   ├── navigation/       # Navigation stack, types, linking
│   ├── screens/          # Screen components by feature
│   │   ├── auth/         # Login, biometric, PIN
│   │   ├── dashboard/    # Main dashboard
│   │   ├── transfers/    # Money transfer flows
│   │   └── settings/     # User settings, security
│   ├── services/         # Business logic services
│   │   ├── auth/         # Auth service, token management
│   │   ├── biometric/    # Biometric enrollment and verification
│   │   ├── secure-storage/ # Encrypted key-value storage
│   │   └── notifications/  # Push notification handling
│   ├── stores/           # Zustand stores
│   ├── theme/            # Design tokens, colors, spacing
│   ├── types/            # Global TypeScript types
│   └── utils/            # Pure utility functions
├── e2e/                  # Detox E2E tests
├── __tests__/            # Jest unit tests
├── fastlane/             # Fastlane configuration
├── .github/workflows/    # CI/CD pipelines
├── android/
├── ios/
└── app.json

Getting Started

Prerequisites

• Node.js 18+
• React Native CLI
• Xcode 15+ (iOS)
• Android Studio (Android)

Installation

git clone https://github.com/mj11rock/react-native-fintech-starter.git
cd react-native-fintech-starter
npm install
cp .env.example .env

# iOS
cd ios && pod install && cd ..
npm run ios

# Android
npm run android

Security Architecture

Layer	Implementation	Purpose
Transport	Certificate pinning + TLS 1.3	Prevent MITM
Storage	Keychain / Keystore	Encrypt sensitive data at rest
Authentication	Biometric + PIN + JWT	Multi-factor user verification
Session	Inactivity timeout + background lock	Prevent unauthorized access
Device	Jailbreak detection	Block compromised environments

Deployment

Fastlane Lanes

# iOS
fastlane ios beta    # TestFlight
fastlane ios release # App Store

# Android
fastlane android beta    # Internal testing
fastlane android release # Play Store

Environments

Environment	API	Push	Analytics
Development	Local / Mock	Disabled	Disabled
Staging	Staging API	FCM Sandbox	Debug
Production	Production API	FCM / APNs	Full

Architecture Decisions

Decision	Choice	Rationale
State	Zustand	Lightweight, TypeScript-native, supports encrypted persistence
Navigation	React Navigation 6	Most mature, typed routes, deep linking built-in
Security	Custom security layer	Fintech compliance requires fine-grained control
API	Axios + interceptors	Token refresh, retry, request queuing for offline
Testing	Jest + Detox	Jest for speed, Detox for real device E2E
CI/CD	Fastlane + GH Actions	Industry standard for mobile, reproducible builds

Tech Stack

Category	Technology
Framework	React Native 0.73+
Language	TypeScript (strict)
Navigation	React Navigation 6
State	Zustand
Security	react-native-keychain, ssl-pinning
Push	@react-native-firebase/messaging
Testing	Jest, Detox
CI/CD	Fastlane, GitHub Actions