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that's not what I assumed. I assume that this app would only support the 2 most popular mobile platforms, and that on android, as is tradition with payment related apps, it would refuse to work when it detects that your phone's software has been changed in any significant way.
current trend is to make these apps OWASP compliant, which dictates that all apps should at least be an undecipherable, obfuscated black box, and better even make use of the OS's integrity checking system, like play integrity on android.
I did not miss that. I was commenting on this, why it would be harmful in today's world.