Once authenticated in your app, a user in your app is a sub-account on Chimoney which also owns it's own Wallet. Accounting is handled by Chimoney so you might not need additional DB
A user can send transfers to other users in form of Bank transfers, Airtime Transfer, Mobile Money Transfer, Gift Card transfer
A user can send USD to other accounts using Account transfer endpoint
Receivers should be able to see all transfers sent to them and the Status of the transfer and redeem it either through an API call or through embedding the redeem page in a Webview