Confused about whether to hire a web/app dev for this or use AI

I have an idea for an app but it requires payment to be done by escrow. I have absolutely no idea what I am doing, but I'm 20 so I just want to try a shot at this business Idea. I have build one or two websites with claude before, and it's alright. But when it comes to these issues, especially regarding payments in the thousands, I don't know if I should use AI for it. On the one hand, I don't have the money to hire a dev so I'd have to find investors which is extemely hard to, again, since I don't know what I'm doing, but on the other, I don't want to risk messing it up such that the payment doesn't go through because of a fault and someone who worked for hours wouldn't get the money he deserved and thus I'll be held legally. I could use some advice from those who've had experience in this field. P.S - Please suggest if you have other ideas I can use rather than escrow for payments submitted by /u/PeaceInLoneliness [link] [留言]