Duration time of a free trial should be flexible and should not have to match the subscription length as it currently functions.
Merchants are not charged for transactions of wallet members and they merchant account is credited immediately for 100% of sale. Spenders pay a fee for this and their transactions are matched to lenders offering lower consumer interest rates than the credit cards registered in their wallets. Lenders pay a commision for orders matched. Lenders are repaid at 200 basis points below the interest charged to spenders.