Scenario:
1) Criminal outfit buys 100M AdPoints with dirty money
2) "Trusted parties" setup blogs and YouTube channels and has them get setup with the "publisher partners"
3) Criminal outfit "tips" innocuous quantities of money for cat videos and blog posts about gardening made by the "trusted parties"
4) "Trusted parties" cash out squeaky clean money
> deliver payouts to your publisher partners
Each partner would have to do the KYC/AML work for each content creator, but if they don't do it for donation sources, then you have the potential money laundering channel so the State will get involved.
In a real world scenario, you wouldn't even allow new partner sites to sign up online, instead you'd contact most of them via direct sales and vice versa.
I'm thinking about the NYTs and Yahoos of the world, not cat blogs.
I see your point, but this is more like buying world of warcraft currency than it is a bank.
Call it AdPoints, you can buy 1000 AdPoints for $10. Then you spend these points in websites you enjoy.
Add an API so they can be used as a virtual currency for goodwill (I liked this guy's post / comments, so I'll upvote him with my points) in those same third party sites.
Get a couple big publishers on board and it could become a pretty good deal.
You handle point purchase and deliver payouts to your publisher partners, add a reporting function to the API so they can overlay the revenue of adblock users vs non-adblock.