Thinking about this more, maybe your own server or chat group would work, add in “mediators” p2p, but another in for the sake of transaction. The two peers transfer to peer 3, peer 3 for taking on liability and trust gets % then disburses amounts or is able to act as a sort of loaner, if they have ability to make transfer work whether it’s cashapp or whatever to disburse the banking settlement part. It could work but you’ll never know if it’s classified as p2p or money laundering lol ppl do this on eBay with Veve collections as they are transferrable or resell able so they migrate accounts via eBay mediators.
*they aren’t transferrable or resell able*
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