Taking one step forward in the march to cash in on the Internet, companies advertising or selling on the Web can contract industry newcomer, CyberGold, to financially reward consumers for interacting with their ads or sites,

volunteering information, completing transactions or fulfilling company requests. The money, usually between fifty cents and a dollar, is deposited into individual consumer CyberGold accounts and eventually transferred to customers' Visa accounts, once the amount is enough to justify the expense of a credit card transaction. Consumers also have the option of using their CyberGold reward money to make Internet purchases or to have the money deposited directly into their bank accounts. "Earning money on-line is critical to closing the Internet loop." says Nat Goldhaber, CyberGold's founder and CEO. "If a consumer can earn money on-line, then he is more likely to spend money on-line."

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