So you are actually paying the guarantee instead of travelers?
Actually the most correct would be saying, that Bailsman will guarantee that amount lets say to landlord on behalf of you. So you do not need to pay anything back, but just pay small fee for that monthly, using tokens or fiat
Which countries do you plan to accept clients from? I mean, obviously your banking/insurance/telecom partner companies will have limits on the risk they are able to assess - or will you be able to accept worldwide applicants?