I've been lending capital, consulting and raising capital in the B2C lending space since 1998; generally AFS [Alternative Financial Services - both collateralized & noncollateralized. [Think payday loans, car title loans, installment loans...] Started with a brick-n-mortar and transitioned to online. If you're planning to lend, you face a multitude of regulatory hurdles and compliance challenges on both the federal and state/province level.

If you're "holding" funds, you face the same challenges. Google "Fintech - fill in the blank" and you will begin to comprehend the reg issues.

What "service" are you offering? Take a look at Dave.com for some BG on what I'm referring to.

You have not offered enough detail to dive deep into your question.

Best,
Jer Trihouse Consulting