Would focus on the financing post transaction.

Okay, this is basically a financing app. The link to "smart cities" is a big hokey. Income volatility applies today. Lots of lending apps out there.

Tagging of loan as an option is clever. Nearly all of the other money flow and predictive is already being offered by bill paying systems on the market. Not sure there are (enough passive income models (which are a great idea) to make this an issue of interest.

Super ambitious!! Great integration of tons of tech. Well done.