How can the API allow person to person transfers?

In my Opinion MoMo is for Person to Business Transfer, Using the Collections and Disbursement Products endpoints.

For a person to person transfer, MoMo Provide mobile wallet endpoints still under Collection and Disbursement API. This model may require your application to have over the counter /POS Agents where the persons can deposit or withdraw Money to and from their accounts.

Remember that MTN already does person to person transfers through MTN MOBILE MONEY, therefore idealy you cannot do exactly the same.

MoMo Provides an invoice service but the logic must be customized on impelementation by you.
https://momodeveloper.mtn.com/api-documentation/testing/
Further read through the endpoints descriptions to find which endpoint serves your quest, for you must understand your application, clients and idea better than we do.

Attend the various webinars as posted here on the developer community.
Visit the HowToVideos on the landing page of the developer community, they will guide you on which endpoints to use.

thank you @crankluga I appreciate 🤗

Vote answered, if the submission answered your inquiry so other developers can easily find the answer.

Please I didn’t understand this part:
“have over the counter /POS Agents where the persons can deposit or withdraw Money to and from their accounts.”

POS => Point of Service.
Type in google, and read about it.

please can you direct me to the mobile wallet part under collections @crankluga 

@crankluga  Do you know the products used for Transfer money from user account to his friend?

Let me collect all the endpoint in order of usage and revert.