Great post-mortem thanks for sharing.<p>Did you try a model where your app would be a great vehicle to sell (yet another) credit card to parents plus additional cards to their kids? In that model transfer transactions would be internal to one company and maybe they would already have an API to interact.<p>In my country risk investment or VCs are nonexistent so every time I think about funding one of my ideas a possible option is to use a big business where they serve as the distribution channel while the app serves to drive sales. In telcos for instance, apps could be a selling point in corporate sales; say a job tracker that helps a telco nail a contract with a contractor firm.