Bill Payment Solution using RippleNet and XRP

Looking to build a Bill Payment Application that is built on top of RippleNet using XRP cryptocurrency, real time transactions, real time settlement. Features that the bill payment solution needs to have: ACH Payment Processing API Access Controls/Permissions Account Reconciliation Accounting Accounts Payable Accounts Receivable Activity Dashboard Alerts/Notifications Approval Process Control Automatic Billing Bank Reconciliation Billing & Invoicing Billing Portal Budgeting/Forecasting Cash Flow Management Cash Management Check Processing Check Writing Collections Management Compliance Management Contact Database Contingency Billing Core Accounting Credit Card Management Credit Card Processing Customizable Invoices Dashboard Data Import/Export Data Security Debit/Credit Card Processing Document Management Duplicate Payment Alert Electronic Funds Transfer Electronic Payments Electronic Signature Email Management Email Reminders Expense Tracking Financial Reporting Fixed Asset Management Forecasting Fraud Detection General Ledger Invoice History Invoice Management Invoice Processing Mobile Access Mobile App Mobile Payments Multi-Currency Multi-Period Recurring Billing Online Invoicing Online Payments Overpayment Processing PCI Compliance PO Reconciliation Partial Payments Payment Processing Payroll Management Project Billing Projections Purchasing & Receiving Real Time Data Receivables Ledger Recurring Invoicing Recurring Payments Recurring/Subscription Billing Reminders Reporting/Analytics Revenue Recognition Search/Filter Self Service Portal Spend Management Status Tracking Tax Calculation Tax Management Third Party Integrations Time & Expense Tracking Vendor Management Workflow Management