Greetings all,
I propose that instead of charging the fees that you do(.01 or .5%) and then give back the fees to the people, just charge a lesser fee in the first place. The way I understand it, you are keeping 30% of the fees, and returning 70% to the customer. How about instead, you charge 30% of the fee you want to charge in the first place, eliminating this extra step, and making it a more fair price for the service, and get more people to join. Just a suggestion, but it is rather logical.
-KBundy
I think he wants to attract "big money", because big money will earn most interest. I wouldn't do it though, because I doubt interest can cover the risk.