I offer 0.50% interest (simple) daily, non-negotiable, although I am about to implement a system for increasing interest for long term investors. I am coming up with the terms still but something along the lines if you were to invest on-going for 3 months in a row I will increase the daily interest to 0.75% for supporting me and possibly up to 1% daily. Also yes you are correct about the second part, I buy prepaid gift cards for cheap and cash them out for higher. For any other small details you can PM me about it.