Owning or being part of a shopping pool comes with numerous benefits:

Owners

- Earn a special 15% APY on the capital deposited to own a Shopping Pool

- Earn 1% of the total APY generated by pool participants

- Earn 1% of the total cashback generated by pool participants

- Extend loans and Buy Now Pay Later options to earn interest income

- Activity within your pool can boost Staking Rewards by up to 50%

For more on this,
https://medium.com/zoidcoin-network/how-do-i-make-money-by-owning-a-shopping-pool-426671a5773d

Members / Stakers

- up to 12% APY on your staked ZPAY

- 3-5% cashback on every purchase

- preferential rates on loans (as ZPAY holders)

- Buy Now Pay Later