Explore SmartPoints™
Get a guided walkthrough of the platform, capabilities, and use cases.
Smartpoints™
Programmable PointS Built to drive REVENUE
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
WHAT SmartPOINTS™ enables
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.
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.
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.
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.
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.
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.
WHO SmartPOINTS™ IS DESIGNED FOR
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.
