Was thinking similar. After non compete he can still build similar product. WhatsApp founder built Signal and there are many others I would think

Maybe keep a demo file uploaded to save some efforts to show them the benefits and then ask them to try with their own video

We can chat if you like. Need more info too.

It would hardly take some time for those well settled competitors to replicate your core features. Market without money is difficult to sustain. This can be a side project if it is to be given for free

Don’t you need lot of money to open a bank? Doesn’t meet OP criteria of no money or you raised money to open a bank?