You're a little stuck because in order to validate that people want what you're offering, you'll need to get them to buy something. I wouldn't spend time worki

You're a little stuck because in order to validate that people want what you're offering, you'll need to get them to buy something. I wouldn't spend time working on the full product without being able to sell anything. I guess your challenge here is to try and validate your idea without accepting payments in some way. Or find a co-founder with a bank account.