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Turn every loyalty point into Spendable currency
The SmartPoints solution lets users redeem points anywhere, anytime, while giving brands, banks, and merchants a compliant, interoperable framework to reduce liability and monetise redemption.
Trusted by the biggest global brands
Turn loyalty liabilities into yield-generating assets
SmartPoints™ transform legacy reward liabilities into programmable, yield-backed assets that move as freely as money — making loyalty financeable, traceable, and future-ready.
Programmable redemption that adapts to your ecosystem
With programmable SmartPoints™, brands decide the logic behind redemption: accepted merchants, conversion rates, and reward tiers; creating dynamic, partner-driven ecosystems.
Instant redemption, global acceptance
Operate confidently across regions with audit-ready legal flows, transparent structures, and GDPR-aligned data practices that protect both users and brands.
Built to meet global financial standards
Each SmartPoints™ transaction is traceable, regulated, and backed by verified reserves. Full alignment with enterprise KYC/AML and regional data frameworks ensures secure, scalable operations.
Trillions in loyalty value are sitting idle
Loyalty points are now so widespread they could form the world’s third-largest currency, just behind the U.S. dollar and the euro.
Yet this trillion-dollar economy remains largely untapped: most points sit unused, locked in closed systems that limit redemption and tie up balance sheets.
Unlocking that liquidity would transform loyalty from a cost centre into a new, yield-generating asset class; one that benefits brands, consumers, and the broader financial ecosystem.
45
%
average reward redemption rate
62
%
of brands cite unredeemed points as a top liability
45
%
of consumers expect real-time redemption, yet only 18% of programs deliver it
01
Convert Loyalty Points into Blockchain Tokens
Point issuers opt into the StablePoint™ program and invite consumers to enrol.
Once enrolled, consumers can convert their existing loyalty points into branded tokens, locking in point value that never expires or depreciates.
02
On-Chain Liability Transfer from Program to Consumer
SMT’s protocol securely transfers point liability on-chain, reducing exposure and enabling immediate revenue recognition at a lower cost per point redeemed.
Liability is transparently recorded, ensuring real-time reconciliation and audit readiness.
03
Programmable Tokens for Cross-Program Redemption
Point redemption becomes programmable: issuers control where, when, and at what value points can be redeemed.
Programs can opt to allow redemption across third-party partners or marketplaces, driving incremental revenue while maintaining full oversight.
04
Pay with Points Using Blockchain Tokens and Stablecoins
Issuers can enable real-time redemption wherever Visa is accepted through the Visa/Bridge partnership.
Points can be redeemed like cash, used for statement credits, or spent via a SmartPoint Wallet linked to a Visa prepaid card with Visa Flex credentials.
Built for Financial-Grade Trust and Compliance
Pay with SmartPoints™ meets the highest global standards for payments, data integrity, and tokenised assets ensuring every point redeemed is secure, traceable, and regulator-ready.
Treasury-Backed Stability
Fully reserved 1:1 value held in audited treasuries for zero volatility and full accountability.
Transparent Data Control
Real-time reporting and audit visibility with full data ownership for issuers and institutions.
Enterprise-Grade Security
End-to-end encryption, real-time authorisation, and network-level protection for every transaction.
Regulated by Design
Embedded KYC, AML, and regional compliance frameworks, built into every transaction.
