Well the first thing is to look through common users problems, and find a way to solve that problems with your product. That is the first checkpoint when you are trying to create something
About payments, there are a lot of exchangers and payment systems which offers transaction services and open API

I guess nowadays it is very important to show everyone that cryptocurrency society is transparent, so i agree that it is much better to discuss the project right here.
Though i am interested also, maybe there was a reason not to release information now, i guess we'll see