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