On your title, you said that your project is a lending, you also give pawn shops in Philippine as examples, but on your brief description as well as your reply to coin_trader, what you tried to offer is a remittance. AFAIK, these two is not similar. One does lending while the other allows you to send money to other places.
Hello Miiike,
please read first the roadmap/ecosystem before comment.
Laya Lending & Laya Payments are seperate projects backed up by
the whole Project Laya Ecosystem. We will offer both services as all in one solution.