No idea where you get the info that either tidal or napster will pay you anything near 20$ per 1k, as they are paying around ~5$ per 1k or less.
You are charging your buyers 3$ per 1k for the plays, so they will barely make any profit, especially with the risk of getting banned..
Also, payout time is like 8 month for tidal, you need to mention that first to your buyers so they won't have high expectation
Imagine getting banned after half year tho
edit:
"Payment will be released once everything is delivered."
How do you that for tidal or napster?
There is no public statistic for any of the platform, you will see your plays when you get paid.