1. The capital you deposit to own a Shopping Pool generates a return

Yes. The 100,000 ZPAY deposited towards owning a Shopping Pool is actually staked. You will earn a return of 15% on that amount (for the first batch of Shopping Pool owners). That's an additional 15,000 ZPAY tokens. When has a deposit in a traditional business earned that kind of return? So, not only is your capital safeguarded, but you also earn on it. Of course, prices can fluctuate and that is the nature of any asset class. But you are going to have more ZPAY at the end of the year than at the start. Besides, this income is yours to keep as the Shopping Pool owner.

2. As a Shopping Pool owner, you earn 1% of the total revenue generated by your pool

Here's a back-of-the-envelope calculation that shows the potential revenue that a Shopping Pool owner can make based on transactions that occur in the pool. For the sake of convenience, we've assumed an average online shopping order of $120, as per Statista, and the average transactions per user per year are between 4, 6, 8 and 10. Thus, a Shopping Pool with, let's say 5000 participants, with each participant making only 6 transactions on average per year, translates to an income of $36,000 that year.

Again, we are working on assumptions here. Don’t take our word. Try it yourself and figure out what potential revenue you can make based on your location and average purchases.

3. Interest earned on loans given out

Participants within a pool can avail of loans for purchases that can go upto 70% of their ZPAY held. Thus, the ZPAY held acts as collateral, providing the safety net. You will earn interest on the loans given out.

4. Interest earned on Buy Now Pay Later (BNPL) options
 

Extending credit through the BNPL option, especially on non-ZPAY tokens will come at a cost. You can earn interest by extending this option to your pool participants. As per a report by Forbes, the percentage of Gen Z users in the US using BNPL has grown six-fold from 6% in 2019 to 36% in 2021. Millennials’ use of BNPL has more than doubled since 2019 to 41%. Gen X adoption more than tripled.

5. Depending on the activity within your Shopping Pool, your pool's staking APY gets a boost 

The level of activity in your Shopping Pool is measured by a Purchase Index. The Purchase Index works on a scale from 0–5, 0 being the least and 5 being the best. Let’s say, your Purchase Index records a score of 2. This would increase the staking yield by 20% for all participants within your Shopping Pool. This, of course, includes you too.