The platform invests the funds at market rate, collects a small percentage of the interest, and pays the rest as dividends to the backers in proportion to their contribution.
Hmm… that requires the backer to actually give the money to the platform the moment they make a pledge, even if the project isn’t yet fully backed, instead of how it’s usually done now, where if at the deadline the project is fully backed, the platform charges everyone, and otherwise no one ever gets charged.
The platform invests the funds at market rate, collects a small percentage of the interest, and pays the rest as dividends to the backers in proportion to their contribution.
Hmm… that requires the backer to actually give the money to the platform the moment they make a pledge, even if the project isn’t yet fully backed, instead of how it’s usually done now, where if at the deadline the project is fully backed, the platform charges everyone, and otherwise no one ever gets charged.