HonestKev:
Here's an example of how it could work; you want a new driver and some Nike balls normally costing 2,600 credits ($26). But you make a PayPal payment of $15.60 to the virtual bank which is 60% of the real total. One of our bank's investors will then Gift you your equipment order i.e. your new driver and balls, the bank then sends our investor a PayPal payment of $13 (50%) keeping 10% for the bank. Our investor gets a 50% return for his credits rather than just approx 16.5% return from wgt.
That's a great idea but you don't need a bank for that (or I overlooked something...).
You just need a list of guys who are ready to make such transactions (what you call the investor and I will call them like this in this post). So someone who want to buy some stuff at 60% of the price contact one of those investors. He then proceed to a paypal payement and then the investor gift the equipment once he received the payement.
Of course you need confidence into the inverstors. But investors cannot do wrong things too long. You just need to maintain a page on this forum or elsewhere where problems can be reported. If the problem is real (no gift made after a paypal payement), the investor is removed from the list. So there is no interest for the investors not to be honest (of course someone can always report false problems etc just to mess everything).
Regards