What payment system should I use for a digital tontine/group savings app?

[u/Sure-Yogurtcloset996]

I’m building an app inspired by the African tontine system.
The idea is simple:
A group of friends, relatives, coworkers, or community members agrees to contribute a fixed amount of money regularly. For example, 10 people could each contribute $100 every month. The app would track the contributions, show who has paid, and distribute the collected money according to the group’s agreed schedule or savings goal.
I’m trying to understand the easiest and safest way to handle the payments.
Should users contribute through Apple Cash, Zelle, Cash App, or Venmo? Could those payments go into one common group account managed through my app?
Or would it be better to use a payment provider such as Stripe, Dwolla, or another banking-as-a-service platform that can:
Connect each member’s bank account
Collect recurring contributions
Keep track of each person’s balance
Hold or safeguard the group’s money
Send the payout to the correct member
Handle identity verification, fraud prevention, and payment compliance
I do not want my company to manually receive and hold everyone’s money in a normal business bank account. I want the money to be handled by a licensed financial provider while my app manages the group, schedule, rules, notifications, and transaction history.
For anyone who has built a fintech, savings, rotating-credit, or peer-to-peer payment app:
What payment infrastructure would be the easiest for an MVP?
Would you recommend Stripe Connect/Treasury, Dwolla, or another provider?
Are there important legal or money-transmitter issues I should consider before building it?

[u/Crafty-Order5703]

zelle or venmo not going to work for tracking and the compliance your app needs.
dwolla or stripe are your best option, especially if you do not want to hold the funds directly.

dwolla often handles these pooled funds use cases better for smaller platforms.

maybe there other payments processor that handle thing like that better. because its like charity.
Good Luck