I played a bit with phonegap:
https://bitcointalksearch.org/topic/collab-for-phonegap-app-for-btc-e-135392
, and you don't need any special mobile skills. It's just a website running on your mobile. You write anything in HTML and javascript (to animate the webpages).
If you're interested in a collab, let me know.
I have to run it as a sideproject, though, since my main project is java tradebot stuff.
How would you decentralized this? I think this would have to be centralized to prove the user has the funds.
I will look into phonegap, does it support iphones?
I hear you LOL I have a lot projects as well. I dont know what I want to do.