I'm building a social payments service. Where you can send money to anyone you know direct into their bank account for a small %. The money appears in ones acc

I'm building a social payments service. Where you can send money to anyone you know direct into their bank account for a small %. The money appears in ones account in no more than 15minutes. We're going to be launching in around 16weeks in the US. The UK a little after. Funnily enough our sign up page goes live in about one week.