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REMOVE loyalty point LIABILITY AT REDEMPTION
SmartPoints™ is the enterprise loyalty infrastructure that transfers point liability off your balance sheet and enables programmable redemption across approved merchant ecosystems
Trusted by the biggest global brands
All Loyalty, No Point Liability
SmartPoints™ transform legacy reward liabilities into programmable, yield-backed assets that move as freely as money.
Programmable Redemption Rules
Redemption logic is defined at the program level, giving brands full control over eligible merchants, usage rules, and network expansion.
Instant redemption, global acceptance
SmartPoints™ integrate directly with existing payment rails, enabling real-time redemption wherever Visa cards are accepted.
Compliant through partner-led settlement
Each SmartPoints™ transaction is traceable, regulated, and backed by verified reserves.
Trillions in loyalty value are sitting idle
Yet this $300B 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 SmartPoint™ 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
SMT meets the highest global standards for data security, privacy and compliance; empowering financial institutions to innovate with confidence.
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.
