From consumers and card holders:

Monthly subscription of $10 (two year contract) to get a free AiCard^TM. The app is free of charge.

From credit card issuing banks:

Transaction fees / interchange fees: When AiCard^TM is used for any purchase, AiCard^TM shares a cut from the fees the payment processor (Master or Visa) charges.

From merchants :

Referral Fee: AiCard^TM app earns a referral fee each time it sends a consumer to make a purchase.

Advertising Fee: AiCard^TM will sell ads/data to merchants based on AI data generated from consumers purchase behaviors.

From AiCard^TM cash:

Cash ( cashback earned when a consumer uses AiCard^TM at one of AiCard^TM's partners)held in AiCard^TM account.

Consumers cash generated from cash rewards, etc. held in AiCard^TM account will be lent to generate interest.