Thank you we appreciate your feed back. As for your question.
1. Maybe in the near future that will be an option. As of now the only way to reduce the payout amount is thru membership upgrade. Ultimate Membership will let you cash out at $5.00. Reason why its set to $20.00 is because we give $3.00 just for you referring someone. To get the $3.00 the referred Member must be from the US,UK,CAN, and must complete some offers. It doesn't matter what country the Upline is to receive bonus. Also coming in the near future will be A new referral program. Anybody that refers any person doesn't matter what country they live in will get $5.00 when the referral earns it first $5.00 and $10.00 if your an Upgraded Member. We are also in the process of bringing more ways to earn money faster.
2. You can use the $5.00 to buy ad and banner credits, and grid credits, rent referrals to generate you profit, or upgrade your membership.
3. Persona.ly is in the process of getting integrating and we have looked into a few others. We are also working with 4 different survey companies to offer ton of surveys that you can complete multiply times a day. Also coming soon is a new video section so user can earn money on auto pilot for having a video tab run it the back ground. With endless amount of earnings.
I hope that answered all your questions, if you have any more feel free to ask. And as always have fun and enjoy earning on Quicken Surveys