Luke Cassar

February 12, 2023

Flourish P2P Transfers

[UPDATE: This idea had me excited for a time but I'm not doing it 😁]

I'm having trouble getting an MVP up that uses PayPal or another provider like Stripe; these platforms seem to be weary of money just getting sent places for, "no reason", due to concerns over money laundering and other nefarious activities.

So I've decided to just play facilitator, and make it easier to get people's details to send them money.

Under the initial MVP, as someone who has money, you'll be able to advertise an amount of money that you are willing to give away, say $100, and minimum and maximum batch sizes that someone can claim, say $10 or $50. 

As someone who needs money, you will be able to browse available advertisements, and make a claim, say $20, for an amount of money to be sent to you at which point you will be put into a queue.

Advertisers can then accept a request by paying out the amount, or decline the request.

To avoid prejudice and judgment, I would like to hide as much information about the people requesting money as possible; such that only the bare minimum needed to transfer money is shown.

Eventually, I'd like to make this process easy for both the people who have money, and the people who need money. For example, the people who need money would be able to program a bot to go out and make claims on their behalf; and the people who have money would just be able to advertise funds and have it taken out of their accounts automatically.

In this way, hopefully the world can move more toward a culture of giving.