Nice that's not quite what I meant but there's a forth crowdfunding option where the donations are invested forming a trust fund that pays part of its interest over time to cover a permanent project like funding someone's kidney dialysis or paying someone's disability pension. It would be created by crowdfunding but needs a lending function, preferably peer to peer with some way to crowdsource collateral asset checks.  The fourth crowd funding mechanism is my own, as yet unimplemented, idea.