Thank
It's not 'incredible' idea)) It's very simple, but no one has implemented it before. It's not a debit card with a cashback, it's a mobile application. The difference between them is that the percentage returned by the buyer reaches 30-50%. The money returned by the partners of the service (this is about 10%) is paid to those who made purchases earlier, usually 2-4 weeks ago. The project is not a ponzi scheme. Users do not pay a money, but make everyday purchases - these are popular products in grocery stores, cafes and more.
All money received only from service partners (this is how standard cashback works). The service will be able to work successfully if there are 10,000 users (this is not much).
This is a very rough description. Will be gamefication, drawing of prizes between active users, referral program.
So you are basically saying that there is a 10% service charge yet the cashback the users will have will be 30-50% of the value of their purchases? Sounds mathematically impossible for me in terms of all parties having profit in a sense. Also if we are talking about "partners of the service" here I think the best way for you to have investors is through them not here in the forum since if they have agreed to partnered up with you already I think they will be willing to invest in what you are offering or maybe they will recommend you with some connections they already know.20,000$ for me is something that you won't see a lot being offered by users in the forum especially to a newbie like you proposing a investment.