Just. Fucking. Build it. (Or lessons learned.)
seedlauncher.com
seedlauncher.com
From your first post, I would have said the latter. You wanted Y Combinator behind you in much the same way that a struggling band would want to be signed by a major label. I was so happy to read, "Success is defined by making a product that people want and will pay for. That’s it."
Keep it up! And always remember startups are just businesses. And business is centered around transactions: You give me $, and I'll give you X.
I wish you luck, but I found this to be a hilarious closing for a public mea culpa about "startup bullshit".
The programming aspect of this concept is easy enough, it's the legal aspect that you guys should do more research on.
You are much better at marketing than building. You may be better off that way. A partner may be a better way to go. A crowdfunding app really doesn't take that long and if it's taking you that long you should partner with some help.