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This document describes Lyoness, a global shopping network with over 2 million cardholders in 34 European countries. It has 10 types of earnings for members, including cash back from purchases, bonuses for friend referrals, and commissions from shopping done by others in one's network. Members can purchase gift cards to make "down payments" that generate accounting units, which mature into payouts. There are three types of memberships - free trial, business, and premium business - allowing larger down payments. The network aims to create a global shopping community where members benefit financially from all shopping activity.Read less