Mobile money loan app

Hello guys. So we have this chama and we have been depositing money in an account. The credit is growing. We want to start lending the money to each other but we need sth very convenient particularly because we are far from each other.
One idea floated was on a mobile money lending app. What are the requirements to build a mobile money loan app like Tala or Timiza?

The account doesn’t have this feature…
To lend one another with remote approvals

We thought a lending app is more convenient as we can easily do it as an investment of a kind.