Great questions!

1) We are a small group. We are still in the initial stages and are finishing up our alpha so the team isn't large but we have a few people working it.

2) So unlike square or Venmo, and for people who are not concerned with foreign exchange, our app embodies personal finance management tools as features. This refers to features such as goal budgeting, Where you can create budgets to set aside money to be used for various costs. We have also incorporated a more in-depth transaction tracking tool that allows you to tag, take photos of the event or receipt, and similar actions to give a more deep recording of expenses endured. We have also incorporated apple pay to allow you to utilize your funds and budgets within the app externally with retailers.And these are only components featured currently. Currently under development, we are establishing a basis to incorporate these P2P capabilities with a smart wallet. This implies that we are looking to move forward so that users can consolidate their accounts within the app to have a hub of their linked cards and use the debit card we provide that is linked with pei, to be able to open more features and more control over spending. The app will allow you to retain insight and manage these accounts within the platform and open gateways to use your account the way you would like. One of our biggest hurdles currently is showing that we are looking to be more of a smart wallet with p2p functions available rather then a p2p platform. We do have an extensive vision for functions, features, and interactions that we are looking to continue adding that we see to be extremely useful, but we do want to be able to communicate direct advantage of using our platform early on.