Dan — come join the conversation and see why it is essential that it does exist: https://goo.gl/2TDDRD. The purpose of the business is threefold. A more transparent institution that your current bank account, acting to reflect consumer costs back on its users and reveal instances where you are paying more than you should for services that you consume. A fairer reward for housing your money. Where interest rates are derisory, you are the direct beneficiary of how the money you create for the bank is spent. You gain fraction ownership in an investment fund that each user on the platform will help grow. Incentivisation structures ensures everyone operates together in mutual self interest. Finally the platform lets you profit from creating market intelligence. Your insights and skills can be monetised which allows the platform to benefit from the information you provide. The whole structure benefits from network effects where each person acts as a check on all the costs for every other user.