Saivian figured it out. A way to make money while saving money. Does it make sense? Let me explain. You shop at any merchant you want - whether it's for groceries, household supplies, online shopping, you name it. Saivian gives you 20% cashback on all of these purchases. The more you spend, the more you get back. What's the catch? There a $125 per month (28 days actually) membership fee, so you need to spend a minimum to make your membership back. But you can also recruit your friends and family to help them save, and get a fee credit for their membership as well, and anyone they sign up. So you're basically making money while saving money. It works.