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I considered doing something like this in the past with crypto and arrived to the conclusion that to do it right I would need critical mass and my very own exchange. Before critical mass, the fees would still have to be higher if you want to make the system self-sustainable. If you don't mind investing your own money upfront then you could start with the low fees hoping that critical mass will be reached before you run out of the money subsidizing the operation.

Definitely sounds like something that VC money could be used for given how ride-share companies low prices are just subsidies from VC money with the hopes that they'll reach profitability in the future with a dominant market share.