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.