Regarding the first topic: Check out Handup (https://handup.us/ https://handup.us/) – It's not exactly what you described, but they are kind of a middle man bet

Regarding the first topic: Check out Handup (https://handup.us/ https://handup.us/) – It's not exactly what you described, but they are kind of a middle man between the homeless, charities and you as a potential donator. I dig the peer 2 peer chat.