I just checked out Stellar... sounds really interesting actually, very much in line with what I described (except blockchain - I can't see if it's public (not good) or private (not much point in it then) but I'm open to being convinced otherwise), there's just one problem... how do I even use it?? There's no app, no nothing. Ideally, I'd like something like TransferWise "I'd like to send money to X" just non-profit.
fwiw, Stellar integrates directly with Keybase.¹ I remember they did an airdrop when they launched and deposited ~100$ worth of XLM into every Keybase users' wallet.
Not sure how interesting Keybase is now, but it does allow sending money to other Keybase users directly through chat.²
