I remember when I first learnt about Kerchingle -- I was gutted. I thought that my idea was unique super-magic that would made me rich and I guarded it jealously. At the time I felt that the first mover would take all. Since then watching Facebook taught me that even an enormous network effect advantage can be defeated and absorbed if you have the right mix and a smart growth strategy.
I don't think Kerchingle's model is right either. They still require you to click their medallion to begin payment to a publishing site, introducing that same cognitive disruption as conventional tipjars. Also I think the "social cents" thing is basically nuts. Far too easy to be embarrassed. It smacks of that idiotic site that published credit card transactions. Blippy? Blit? Something like that.
The problem with money is everyone wants it and no one wants to part with it, or as little as possible!! I'd be interested in having software analyze my browser history (and my bookmarks), work out where I spend the most time or what is important to me, and allow me to spend some money that will go directly to those sites. A 2 minute carefully interfaced exercise every 6 months to a year. No background plugins, and little or no complexity for the website to implement. Badaboom.
