How to create wallet app and what all certificates required for the same?

I want to create a wallet application with the following features:

1. We can store user bank account details (Is it possible?)
2. User can store money in his wallet and transfer it to his account at any time
3. We can store user card details

for doing the same:

What all certifications, licenses, and permission we need?

What all the security measures we have to follow?

what will be the best DB for this?