This is a fantastic app. Thanks for sharing the breakdown.
If banks would get their head out of their ass, this would be a native feature with ach/zelle/fednow as the backbone. Organizer creates group in bank app and can invite other users which may have different bank accounts. Payment requests satisfied through 1-click. No more manually checking if Cashapp/bank accounts/venmo have received payment then checking off the expense in third party app