The name is a work in progress to be fair. So is the idea, but have a look:

So, it's an app or whatever where you can lend money to friends, BUT the twist is that the money automatically gets paid back on a set date. Like, you both load your bank details into it, Person A sends Person B the money they need, and then on a set date they've agreed on the equivalent of a direct debit takes the money from Person B's account and sends it back to A. So no-one has to stress about whether or not they'll get paid back, it's all pre-sorted. We make money from taking a micro-percentage of the loan. Or we run ads for porn or something, whatever works.