June 26, 2017

By Annie Nova

For CNBC

ABRA BELKE WAS IN LAW SCHOOL when she came across the Givling app, which calls itself “the world’s most incredible trivia game.” It promised winners payments toward their student debt.

Belke was interested. Her student loan balance was more than $100,000 and she had previously won $62,000 on the syndicated game show, “Who Wants To Be A Millionaire.”

“I’m a trivia buff,” Belke, 37, said.

However, she quickly realized it isn’t knowledge on a variety of topics that makes a player competitive on Givling. It’s money.

The app’s most-coveted $50,000 payout is awarded every seven to 10 days to players who reach first place in the game’s queue, which currently has more than 450,000 people, according to the company. To climb in that ranking, players need to accumulate queue points. That can be done by watching ads on the app, buying Givling merchandise or coins and using its paid sponsors, which include Uber Eats and eyewear maker Warby Parker.

Belke did it all. She rose up in the queue and hovered in the top few spots.

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