Smartpoints™
Programmable PointS Built to drive REVENUE

SmartPoints™ are enterprise-grade loyalty points designed to reduce point liability, improve redemption, and unlock new revenue streams across controlled ecosystems.

Trusted by the biggest global brands

What SmartPoints™enable

Transfer Points

Loyalty programs are often siloed, limiting growth to owned channels. To reach new audiences, program owners are pushed toward third-party platforms where reach is rented and relevance is uncertain.

SmartPoints enable interoperability across loyalty programs, allowing brands and banks to create offers, rewards, or sweepstakes inside other approved programs and engage targeted audiences that are already opted in and active.
Each experience dynamically aligns to campaign goals and captures marketing, business, and spend outcomes for optimisation and smarter retargeting.

Sell Points to Sponsors

Loyalty programs give brands and banks access to a defined, engaged audience, but sponsors typically have limited ways to activate it beyond branding.

SmartPoints allow program owners to sell points to sponsors and partners, turning sponsored engagement into funded rewards. This creates a new revenue stream that directly supports the loyalty program, while keeping targeting, rules, and redemption fully under program control.

Sell Points to Fans

Co-brand cards have traditionally been used to fund loyalty programs, but shrinking interchange makes them harder to sustain and slower to scale.

SmartPoints give program owners an alternative way to fund rewards by selling points directly to fans. Fans can access benefits, rewards, or experiences at a lower cost, while programs reduce reliance on card-based funding models and keep full control over loyalty economics.

Built for financial grade trust and compliance

SMT meets the highest global standards for data security, privacy and compliance; empowering financial institutions to innovate with confidence.
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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.

Who SmartPoints™ is designed for

For Customers

Receive more value by earning points through active engagement with brands, not just transactions.
Rewards are applied within the experience or at checkout across approved brands and merchant.

For Brands and Banks

Modernize loyalty without carrying long-term point liabilities.  SmartPoints™ gives full redemption rules control while aligning loyalty, finance, and compliance teams on a single enterprise-grade infrastructure.

For Merchants and Partners

Merchants purchase points to drive acquisition and incremental spend, with loyalty redemptions supported through low lift integration and clear settlement reporting.

Explore SmartPoints™

Get a guided walkthrough of the platform, capabilities, and use cases.
Speak to our team