I really like the sound of this ! I'm a business owner myself, although it's a purely online e-commerce business, so while it doesn't immediately apply to me it would be lovely to see payment plugins developed eventually that would work with WooCommerce, Shopify, BigCommerce etc.

I've got a couple of thoughts from a physical retail perspective, and please take them as positive ideas, not criticism !

• I feel that what is needed is to work with local retailer associations and find ways to onboard as many businesses as possible in a local geographical area. That way, shoppers will see a Distriator logo in every other shop window in the town or shopping parade. To do this might need a team of 2 or 3 knowledgeable Hive enthusiasts who would do "hand holding" in person to get the businesses set up.
• Some marketing materials would need to be funded and made, especially if we could do a "big launch" in a town and have half a dozen or more businesses launching the programme all on the same weekend.
• An essential development would be to have a super-quick and super-easy way for shoppers new to Hive to create a wallet. It would need to be automated to the point where a single swipe of a mobile phone would do it - perhaps a QR code that can be scanned in store. The picture I have in my head is that the business owner can introduce the idea, and the shopper can literally scan a QR code and create a user name and password. Behind the scenes, the system would create a Hive wallet, install Keychain & give it the password they'd created (without the business owner even seeing it), make the purchase post (perhaps a special one, tailored as an intro post as well) and give them their cashback straight into the wallet as easily as they'd get change from a cash purchase. The idea is that for the people operating it, it's quick and intuitive, like the kind of cashback you'd get in a supermarket signing up for a loyalty card. They should probably also get a leaflet explaining in more detail what it's about and how to make the most of it.

Typing all that out makes it sounds more complex that it would actually be in operation ! I think the key is to recognise that it needs a certain critical mass in an area, and needs to make adoption by both businesses and (more especially) their customers as easy as possible.

Also, sorry if I've just written an essay !