RubyPay has zero transaction fees. I like the way you've worked around the transaction fee issue by offering different rates for buying and redeeming. The che

RubyPay has zero transaction fees. I like the way you've worked around the transaction fee issue by offering different rates for buying and redeeming. The cheapest points are $0.00769 to buy and redeeming gets you $0.00667. So, on average, for every $57.69 coming in (or more, if people buy in smaller amounts), you're paying out $50, plus any interest you earn on parked balances.