We already have so many such solutions and this will be just another p2p cash transfer platform. There are few features that are unique but we have to wait and see MVP or how the original implementation works. If they have a some fix for p2p cash transfer protocols shortcomings then it will be worthy to keep an eye on this.
You point is 100% correct. We need to spend time to study the projects which most of us are not doing unfortunately. STB is offering a three layer architecture which is following Google protobuf with multiple language extension. There are things unique in this project but we need to study all aspects.