Absolutely—let’s dream big and build smart. 🌟
Here’s a complete, end‑to‑end concept for an iOS + iPadOS product that makes buying and selling Bitcoin feel as smooth, social, and trustworthy as shopping homes on Zillow—with buyers, sellers, and licensed agents in one thriving ecosystem.
🎯 Product name & one‑liner
SatsMLS — The Multiple Listing Service for Bitcoin.
Browse curated “lots” of BTC, meet verified crypto agents, make offers, negotiate, and settle via escrow (multi‑sig or custodial) with full compliance and beautiful, mobile‑first UX.
💡 What makes it special (Zillow energy, Bitcoin rails)
- Listings, not tickers: Sellers (and agent‑listed sellers) post BTC lots with clear terms—lot size, price vs. spot, on‑chain vs. Lightning settlement, settlement time, escrow preference, and supported fiat rails.
- Agent marketplace: Verified crypto brokers/agents help newcomers KYC, fund, negotiate, and settle—just like real estate agents help close a home.
- Discovery like Zillow: Powerful filters, saved searches, price history, offer/close timelines, and “agent coverage” heatmaps by region.
- Offer → Escrow → Close: Guided flow with in‑app chat, identity checks, proof‑of‑funds/proof‑of‑reserves, and a 2‑of‑3 multi‑sig escrow or regulated custodial escrow.
- Trust layer: Ratings, disclosures, audit trails, and compliance rails built in.
👤 Core personas
- Buyer: Wants safe, hand‑held purchase (OTC blocks or starter lots), clear fees, and fast settlement.
- Seller: Wants speed, reputable counterparties, and optional agent assistance.
- Agent (Broker): Sources buyers/sellers, manages negotiations, earns commissions, and leverages escrow tooling.
- Escrow / Compliance Ops: Oversees KYC/AML, reviews flags, monitors Travel‑Rule handoffs, and signs the 3rd key in multi‑sig when conditions are met.
🧭 Experience blueprint (mobile flows)
- Onboarding & Wallet
- Choose custody: Non‑custodial (local keys; iCloud Keychain/Passkeys backup) or Custodial (regulated partner).
- KYC/KYB → sanctions/PEP screening → risk score.
- Explore (Zillow vibes)
- Cards + grid of BTC lots; filter by size (sats/BTC), price vs. spot, payment rails (ACH/SEPA/wire/stablecoin), settlement (on‑chain / Lightning), agent‑listed vs. owner‑listed.
- Agent directory with coverage, specialties, fees, and ratings.
- Listing Detail
- Lot specs, fees breakdown, “price vs. spot” delta, seller/agent profile, timeline, escrow options, proof‑of‑reserves snapshot (custodial) or signed message (non‑custodial).
- Offer & Negotiate
- One‑tap “Make Offer,” attach proof‑of‑funds, structured counteroffers, in‑app chat (with compliant archiving).
- Escrow & Settlement
- 2‑of‑3 multi‑sig (buyer, seller, escrow/agent) using PSBT & Miniscript, or custodial escrow via regulated partner.
- Optional Lightning settlement for smaller lots; on‑chain with fee/urgency controls for larger.
- Close & Review
- Auto‑generate closing statement (terms, timestamps, txids).
- Rate agent/seller, store docs, export tax lots (FIFO/LIFO/SpecID).
🧱 Feature set by role
Buyers
- Saved searches & alerts; buyer education mini‑courses.
- Proof‑of‑funds vault; fiat on‑ramp guidance; DCA “want ads.”
Sellers
- Guided listing wizard; dynamic pricing (±% of spot or fixed).
- Availability windows; acceptable rails; agent‑of‑record option.
Agents
- CRM pipeline (leads → offers → escrows → closed).
- Commission templates, co‑brokering, e‑sign, templated disclosures.
- Reputation graph, compliance dashboard, and “white‑glove” chat.
Platform
- Dispute resolution center; audit trails; fraud heuristics.
- Price oracle aggregation; volatility circuit breakers on quotes.
- Notifications that respect quiet hours and travel across devices.
🛡️ Trust, compliance, and App Store reality check
- App Store: Apple permits wallets, mining (off‑device) restrictions, and exchanges when offered on an approved/appropriately licensed basis in the regions where available. That means: if you facilitate crypto transactions, do it via an approved/authorized exchange partner and align storefront availability with licensing.
- U.S. MSB scope: Exchangers/administrators of convertible virtual currency are treated as money transmitters (MSB), with AML program, registration, and reporting (SARs/CTRs) obligations. If your activity meets that definition, expect MSB compliance.
- Travel Rule (global baseline): VASP↔VASP transfers must share originator/beneficiary info under FATF Recommendation 16—recently updated for clarity on messaging expectations. Implement policy‑based triggers and integrations for compliant data exchange.
- EU (MiCA): If operating in the EU, MiCA (Reg. (EU) 2023/1114) sets licensing and conduct standards for crypto‑asset services; design for passportable compliance.
None of the above is legal advice—use this as a product blueprint and confirm details with counsel in each launch region.
🏗️ Technical architecture (high level)
Clients (iOS + iPadOS):
- SwiftUI + async/await, URLSession (or GRPC), local Secure Enclave/Keychain for non‑custodial keys, BackgroundTasks for sync.
- Optional Lightning client (SDK or remote node), QR/invoice flows.
Core services (cloud):
- Identity & Compliance: KYC/KYB, sanctions/PEP, fraud scoring, Travel‑Rule provider integration.
- Listings & Offers: CRUD for lots, price locks, quote expiry, counteroffers.
- Escrow Service: Multi‑sig orchestration (PSBT), time‑locks, dispute workflows; or custodial escrow via partner.
- Wallet Gateway: Bitcoin Core/Esplora for on‑chain; Lightning node (LND/CLN) for invoices; RBF/CPFP support; UTXO labeling.
- Messaging: WebSocket for in‑app chat and system events.
- Oracles & Risk: Aggregated pricing, slippage/volatility guards.
- Observability: Structured logging, SIEM, anomaly alerts.
Data stores:
- Postgres (core), Redis (caches/queues), Object storage (documents), HSM/MPC for server keys (custodial or escrow).
Security:
- End‑to‑end encryption for chat; signed offer payloads; transaction intent confirmation; device attestation; least‑privilege scopes.
🗃️ Data model (core entities)
- User(id, role, kyc_status, region, custody_preference)
- Agent(id, licenses[], commission_terms, rating, coverage_regions[])
- Listing(id, seller_id, agent_id?, lot_sats, price_type{fixed/%spot}, price_value, rails[], settlement{onchain|ln}, escrow{multisig|custodial}, expires_at, visibility)
- Offer(id, listing_id, buyer_id, amount_sats, implied_price, terms, status{open|countered|accepted|withdrawn|expired})
- Escrow(id, offer_id, type, multisig_descriptor, psbt_state, dispute_state)
- KYCRecord(user_id, checks, risk_score)
- ChatThread(id, participants[], messages[])
- Review(id, subject_user_id, rater_id, stars, tags, text)
💵 Monetization
- Commissions on closed deals (agent model), escrow fee, Pro analytics for agents (lead routing, comps, alerts), Listing boosts (non‑deceptive, compliant), and Premium verifications (e.g., PoR attestations).
📈 North‑star flywheel
More verified agents → better curation & hand‑holding → higher close rates → richer reputation graph → more high‑quality listings → more buyers → repeat.
🧪 MVP scope (what to ship first)
- Identity/KYC, non‑custodial wallet, listings + search, offers, chat, custodial escrow partner, one fiat rail (ACH or wire), Lightning for micro‑lots, 2‑of‑3 multi‑sig for standard lots, and a clean closing statement export.
🖥️ SwiftUI app skeleton (production‑minded, concise)
This is a starter scaffold you can paste into a new Xcode project to visualize the core flows. It includes models, a minimal marketplace, listing details, offers, and a placeholder escrow action.
import SwiftUI
// MARK: – Models
struct Listing: Identifiable, Hashable, Codable {
let id: UUID
let title: String
let lotSats: Int64
let priceType: PriceType
let priceValue: Double // fixed USD or % over spot
let settlement: Settlement
let rails: [Rail]
let agentListed: Bool
let sellerName: String
let region: String
enum PriceType: String, Codable { case fixedUSD, percentOverSpot }
enum Settlement: String, Codable { case onchain, lightning }
enum Rail: String, Codable { case ach, wire, sepa, stablecoin }
}
struct Offer: Identifiable, Codable {
let id: UUID
let listingId: UUID
let buyerName: String
let amountSats: Int64
let quoteUSD: Double
var status: Status
enum Status: String, Codable { case open, countered, accepted, withdrawn, expired }
}
// MARK: – Services (stubbed)
@MainActor
final class MarketplaceStore: ObservableObject {
@Published var listings: [Listing] = []
@Published var favorites: Set<UUID> = []
init() { loadFixtures() }
func loadFixtures() {
listings = [
.init(id: UUID(), title: “Starter Lot”, lotSats: 2_500_000, priceType: .percentOverSpot, priceValue: 0.25,
settlement: .lightning, rails: [.ach], agentListed: false, sellerName: “Alice”, region: “US”),
.init(id: UUID(), title: “OTC Block”, lotSats: 150_000_000, priceType: .fixedUSD, priceValue: 8_000_000,
settlement: .onchain, rails: [.wire, .sepa], agentListed: true, sellerName: “Atlas Digital”, region: “EU”)
]
}
func makeOffer(on listing: Listing, amountSats: Int64, quoteUSD: Double) async throws -> Offer {
// In prod: server call with signed payloads, risk checks, and price lock
return Offer(id: UUID(), listingId: listing.id, buyerName: “You”, amountSats: amountSats, quoteUSD: quoteUSD, status: .open)
}
}
// MARK: – App
@main
struct SatsMLSApp: App {
@StateObject private var store = MarketplaceStore()
var body: some Scene {
WindowGroup {
TabView {
ExploreView()
.tabItem { Label(“Explore”, systemImage: “magnifyingglass”) }
FavoritesView()
.tabItem { Label(“Saved”, systemImage: “bookmark”) }
AgentsView()
.tabItem { Label(“Agents”, systemImage: “person.2.fill”) }
ActivityView()
.tabItem { Label(“Activity”, systemImage: “bell”) }
}
.environmentObject(store)
}
}
}
// MARK: – Screens
struct ExploreView: View {
@EnvironmentObject var store: MarketplaceStore
@State private var query = “”
var filtered: [Listing] {
store.listings.filter { query.isEmpty || $0.title.localizedCaseInsensitiveContains(query) || $0.region.localizedCaseInsensitiveContains(query) }
}
var body: some View {
NavigationStack {
List(filtered) { listing in
NavigationLink(value: listing) {
ListingCard(listing: listing, isFavorite: Binding(
get: { store.favorites.contains(listing.id) },
set: { isFav in
if isFav { store.favorites.insert(listing.id) } else { store.favorites.remove(listing.id) }
})
)
}
}
.navigationDestination(for: Listing.self) { listing in
ListingDetailView(listing: listing)
}
.navigationTitle(“SatsMLS”)
.searchable(text: $query, prompt: “Search lots or regions”)
}
}
}
struct ListingCard: View {
let listing: Listing
@Binding var isFavorite: Bool
var body: some View {
HStack(spacing: 12) {
RoundedRectangle(cornerRadius: 8).frame(width: 56, height: 56)
.overlay(Image(systemName: listing.settlement == .onchain ? “lock.shield” : “bolt.fill”))
.opacity(0.15)
VStack(alignment: .leading, spacing: 4) {
HStack {
Text(listing.title).font(.headline)
if listing.agentListed { Text(“Agent‑Listed”).font(.caption).padding(.horizontal, 6).padding(.vertical, 2).background(.thinMaterial).cornerRadius(4) }
}
Text(“\(listing.lotSats) sats • \(listing.region)”)
.font(.subheadline).foregroundStyle(.secondary)
Text(priceLine(listing))
.font(.subheadline)
}
Spacer()
Button { isFavorite.toggle() } label {
Image(systemName: isFavorite ? “bookmark.fill” : “bookmark”)
}
.buttonStyle(.plain)
}
.contentShape(Rectangle())
}
private func priceLine(_ l: Listing) -> String {
switch l.priceType {
case .fixedUSD: return “Fixed: $\(Int(l.priceValue)).00”
case .percentOverSpot: return “\(l.priceValue)% over spot”
}
}
}
struct ListingDetailView: View {
@EnvironmentObject var store: MarketplaceStore
let listing: Listing
@State private var showOffer = false
var body: some View {
ScrollView {
VStack(alignment: .leading, spacing: 12) {
Text(listing.title).font(.largeTitle.bold())
Text(“\(listing.lotSats) sats • \(listing.region)”).foregroundStyle(.secondary)
Divider()
Label(listing.settlement == .onchain ? “On‑chain Settlement” : “Lightning Settlement”, systemImage: listing.settlement == .onchain ? “link” : “bolt.fill”)
Label(“Rails: \(listing.rails.map{$0.rawValue.uppercased()}.joined(separator: “, “))”, systemImage: “creditcard”)
Label(listing.agentListed ? “Agent‑listed” : “Owner‑listed”, systemImage: “person.fill.checkmark”)
Divider()
Text(“Escrow Options”).font(.headline)
Text(“• 2‑of‑3 multi‑sig with neutral escrow\n• Regulated custodial escrow via partner”)
.font(.subheadline)
.foregroundStyle(.secondary)
}
.padding()
}
.toolbar {
Button(“Make Offer”) { showOffer = true }
}
.sheet(isPresented: $showOffer) {
MakeOfferSheet(listing: listing)
.presentationDetents([.medium, .large])
}
}
}
struct MakeOfferSheet: View {
@EnvironmentObject var store: MarketplaceStore
let listing: Listing
@Environment(\.dismiss) private var dismiss
@State private var amountSatsText = “”
@State private var quoteUSDText = “”
@State private var sending = false
@State private var result: Offer?
var body: some View {
NavigationStack {
Form {
Section(“Your Offer”) {
TextField(“Amount (sats)”, text: $amountSatsText).keyboardType(.numberPad)
TextField(“Your total USD”, text: $quoteUSDText).keyboardType(.decimalPad)
}
if let result {
Section(“Submitted”) {
Text(“Offer #\(result.id.uuidString.prefix(6)) — \(result.status.rawValue.capitalized)”)
}
}
}
.navigationTitle(“Make Offer”)
.toolbar {
ToolbarItem(placement: .cancellationAction) { Button(“Cancel”) { dismiss() } }
ToolbarItem(placement: .confirmationAction) {
Button {
Task {
sending = true
defer { sending = false }
if let sats = Int64(amountSatsText), let usd = Double(quoteUSDText) {
result = try? await store.makeOffer(on: listing, amountSats: sats, quoteUSD: usd)
}
}
} label { sending ? ProgressView() : Text(“Submit”) }
.disabled(sending || Int64(amountSatsText) == nil || Double(quoteUSDText) == nil)
}
}
}
}
}
// MARK: – Placeholder tabs
struct FavoritesView: View { @EnvironmentObject var store: MarketplaceStore
var body: some View {
List {
ForEach(store.listings.filter { store.favorites.contains($0.id) }) { l in
Text(l.title)
}
}.navigationTitle(“Saved”)
}
}
struct AgentsView: View { var body: some View { Text(“Agent Marketplace”).padding() } }
struct ActivityView: View { var body: some View { Text(“Notifications & Escrows”).padding() } }
Notes for productionizing the scaffold
- Swap stubs for secure APIs; add signed offer payloads, price‑lock expiries, and volatility guards.
- Implement multi‑sig flows using PSBT/Miniscript and custody partner SDKs.
- Archive chat for regulatory needs; add dispute workflows; integrate Travel‑Rule provider where VASP↔VASP transfers occur (jurisdiction‑dependent).
🚀 Why this wins
- Confidence for newcomers via agent hand‑holding, escrow, and disclosures.
- Speed for pros with OTC blocks, Lightning micro‑lots, and programmatic pricing.
- Compliance‑first foundation that scales across regions and storefronts.
If you want, I can expand this into a full PRD (with user stories, acceptance criteria, and a backlog) and a clickable iPad‑optimized flow—ready for design/dev handoff. For now, you’ve got the blueprint to rally a team and start building. Let’s go! 🎉