Can others fund/withdraw from sub accounts?

i am building a fare collection system. I want to create sub-accounts for each stakeholder - passenger, driver, conductor, agbero.

Passengers should be able to fund their sub-accounts by transferring from any bank account. Is this possible?
Our system should be able to charge a sub-account even when it does not have enough money like a lien? Is this possible?
Other stakeholders should be able to see the balance on their sub-account and be able to cash out at paga agent or transfer to a bank or other people using ussd. Is this possible?
If these transactions are possible, what fees are involved?