TrustKarry can let senders and travelers acknowledge that a payment hand-off happened without becoming the system that moves the money. That sounds like a small wording choice. It is not.
Settlement means rails, disputes, compliance scope, payout operations, and a very different risk profile. Acknowledgement means the product records what both parties say happened, while the MVP stays a coordination marketplace.
The data model decides what business you're in. Sometimes the most important product decision is refusing the larger business until you have the legal, operational, and technical runway to support it.