With its widespread promotion and use, Flower Delight's model has gradually improved its systems.
The first improvement is to the payment currency system, known as Huabi. It is directly linked to the US dollar, and the exchange rate is not real-time but changes every few months. If the US dollar to Japanese yen exchange rate fluctuates significantly, it will be adjusted accordingly.
The gameplay here is actually quite simple: customers exchange Japanese yen for so-called US dollars in the system.
You can't just exchange real US dollars at the bank; you need to transfer Japanese yen to a designated account to top up your account before you can get the so-called "flower coins."
The exchange rate between US dollars and US dollars is also 1:1.
Therefore, the price of goods is calculated in Flower Coins. For example, a house that costs $100,000 would cost $100,000 Flower Coins.
If someone's brain isn't working well, they'll basically be a bit confused.
However, the cashback is also settled in Flower Coins, and you need to apply for withdrawal and provide your account details. It takes about three or four days for the cashback to arrive. This is the initial speed; it will slow down later on. The reason is that there are too many people withdrawing, so there will be a slight wait.
We can't make people wait too long, about half a month is fine.
Once the first few dozen batches of customers receive their money after the stipulated incubation period, subsequent customers will increase their promotional efforts and may even help Huazhiyue introduce new customers, since these are customers who have actually seen a return on their investment.
The benefits of recruiting more people and reducing the cycle are significant, so recruiting others has become the main focus of promotion.
The products cannot be limited to a single type; more merchants need to be involved. Therefore, the merchant information in π Pay became the primary target of the Huazhiyue ground promotion team.
You can't go for large companies, just small, mid-sized businesses.
Large businesses all have legal departments, and when they review your documents and contracts, they may discover some issues.
There's no need to provoke these large and super-large corporations. Therefore, small shops and mid-sized stores become the primary targets. Under the guise of providing for people's livelihoods, they're lured into participating.
The merchant's sales system also involves cashback, which means that 30% of your profit is withheld first, and only 70% is given as cash withdrawal. This 70% cash flow is to help the merchant maintain their capital turnover. If the merchant's withdrawal is slow, probably no one will participate.
As for the discovery, it's also a profit rebate, returning 30% of the collateral in installments. This isn't a yearly return, but a weekly return where you can see the money every week.
It turns out the 30% is actually just a double, with 60% of the profit locked inside. You get a cashback on the first week's profit after 20 weeks, and then you receive it weekly thereafter.
The first cashback you receive might be less, but that's just the beginning. As the store's transaction volume increases, the amount you receive each week will also increase.
Some stores are unwilling to join because the 30% profit margin is another hurdle. Many merchants cannot achieve a 30% profit margin. If the margin is blocked, they have to put their own money into it. It seems like the return is doubled, but the return cycle is too long.
So the sales staff told the merchants to raise prices. For customers who used Huazhiyue Pay, the prices were artificially inflated, while those who paid in cash in real life paid the normal price.
With this kind of hype, the profit was inflated, but the profit from the bet was only for 20 weeks.
70% of the payment will still be received within three days.
With the addition of merchants, the number of users of Huazhiyue has increased from a few hundred to several thousand, and now to tens of thousands.
When buying daily necessities or eating out, I found that my spending was about 20% higher than usual. The merchants explained that it wasn't that they didn't want to lower prices, but they couldn't afford to keep their profits at 30%, so they had to raise prices to break even.
The customer understood that since the money was practically free, a slightly higher price was acceptable. They figured it would be returned eventually.
Some very clever people even did the math and realized that a few years later, from the first refund to the end of the period, they could eat and shop for free, and even make a small profit. Suddenly, they felt that the welfare policies of the R government were not so appealing.
Of course, some economic experts have also warned against this consumption pattern, arguing that it is unhealthy and flawed. They warned that if Huazhiyue collapses, all your money will be lost.
Warnings were issued, but many consumers didn't take them seriously, since they had already spent money and received tangible benefits. Even if Huazhiyue collapses, all they'll lose are the refunded profits.
I never seem to see any return on my usual spending! But Hua Zhi Yue has given me hope.
This is the very principle that has attracted so many people, while others feel the waiting time is too long and instead buy their own incubator memberships, which are all annual cards. They're quite expensive, and you can get rebates if you pay with Flower Coins.
So many people buy it, not only to save time, but also because they can get their money back later!
1999 Flower Coins per year is equivalent to 1999 US dollars on the Flower Joy platform.
One year offsets one year, so you need to spend coins to offset ten years' worth of losses.
However, this also applies to ten-year and twenty-year periods, and does not participate in the cumulative rebates for other products.
In fact, the platform had already planned it out. Except for those who buy big items and get more rebates, the rebates for others will basically remain at this value. That is to say, if you spend 1,999 yuan every year, it will be converted into dividends and rebates for you.
You can receive about 100-300 Flower Coins per month, which is the principle of "the wool comes from the sheep".
This subtle change went unnoticed by anyone; they even thought it was a good thing. At least after spending the money, they could save ten or twenty years of waiting. Once they saw their money returned, they felt at ease and even shared and recommended it to others, saying, "This thing is really great; I'll rely on it for the rest of my life."
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