Its my personal opinion: I have my doubts about Curve. There are already products (though not as successful due to cost) out there which would allow you to emulate your existing payment cards. The main difference is that when paid with an emulated card, the payment would come out directly from your payment bank. As opposed to the case with Curve, where the retailer charges Curve, and then Curve charges your payment bank.
The main issue I have with Curve is the above, because several of my payment cards offer cashback etc on particular retailers which I loose if I pay with Curve. This is because the payments on my bank/creditcard accounts appear as a charge from Curve, but the retailer specific cashback would only be given by my bank/creditcard if the charge was from the retailer.
The only reason I used Curve so far is for the Cashback, with those chosen 3 retailers. For all other payments I used my bank card & credit card depending the specific cashbacks/rewards applicable to those retailers.
Unless Curve comes with a solution for this problem, I have doubts about the investment; whether it would be worth in a long term as many like me would view Curve as just a convenience tool while carrying cards around. Further there could be other companies coming forward with emulated card solutions that solve the above problem.
I don’t see much use in using curve for online transactions because I would rather use my bank card and get the rewards/cashbacks for that retailer. These days onine transactions play a big role in our monthly expenditure.
For these reasons I am not considering investing much in this crowdfunding drive. But I would like to hear your opinions and be convinced otherwise.