A suggestion (since PeerSend is limited to payments with bitcoin / lightining?): Consider building this on top of stable coins likes USDC, DAI, either on offchain networks like celo.org, or lenders like goldfinch, or stacks like silamoney.com
I really believe cross border payments is an important problem to solve (with more and more workforce going remote and products like tryjeeves, brex, usealloy atop traditional financial instruments notwithstanding) and that stable coins can enable that.
Also see: paymobil.co and lastbit.io