For the tokenholders to get a return on investment of 3% the company has to realize a transaction volume of 1.000.000.000 (1 billion) euro's per year.
(1.000.000.000 x 0,5% commission x 15% payout tokenholders = 750.000 euro)
1,000,000,000 x 0.05 x .15 = 7,500,000 euro not 750,000.
@ 1 billion euro transaction volume per year and 15% on a .05% fee, the project would be an outstanding success for all involved.
But, they have not committed to this.