A peer-to-peer payment app is created using the RILT architecture (React, Inertia, Laravel, and Tailwind CSS) and backed by Stripe. The app allows users to send money to each other, with a simple interface that can be expanded upon in the future. The application uses Laravel's built-in authentication features, including registration, login, password reset, and more. Stripe is used for payment processing, and the app includes methods for creating a Stripe customer ID number, setting up payment methods, and making transactions. The frontend of the app is created using React and Tailwind CSS, with a form that uses Stripe's Elements component to build a credit card form. The app can be tested by registering users, sending money between them, and testing different scenarios to ensure validation errors are displayed when necessary.