I've been kicking around how to do something like that because you need to consider all the layers. On the app side, you need neutral phones/devices and the ap

I've been kicking around how to do something like that because you need to consider all the layers. On the app side, you need neutral phones/devices and the app distribution to get apps out there. On the hosting side, you need the hosting itself (cloud or colo), the DNS and registrars, the SSL to secure it, SMS or emails for verification & resets, and probably a few others. On the financial side, you need payment processing and the banking system behind it. That's one of the hardest because even if you can handle it, your customers have to be able to send you money from their bank. All of those (and other components) have been cut off/disrupted for various organizations in the last year or two.