Loyalty that
actually pays.
A global rewards engine your customers can spend, cash out, or redeem — not points that expire in a drawer. Launch a program in weeks, backed by stablecoins or fiat, across 150+ countries.
Pick the model
that fits your brand.
Stablecoin-Backed Points
Rewards with real, spendable value from the moment they're earned.
- Fully reserved 1:1. Every point is backed by a stablecoin reserve held with a regulated custodian — customers hold value, not a promise.
- Cash out anywhere. Convert to USDT, spend on a stablecoin-linked Visa card, or pay out to banks and e-wallets in 190+ countries.
- Full voucher catalog too. Same 7,000+ brand catalog is available inside the app — users pick cash, card, or gift on the fly.
- On-chain transparency. Reserves and issuance are auditable, giving your program cryptographic proof of backing.
Best for marketplaces, exchanges, web3 ecosystems, and partners who want loyalty to feel like money — because it is.
Points + Global Vouchers
Familiar loyalty mechanics, no crypto exposure, launched in weeks.
- Launch under your brand. Points issued on our ledger with your logo, colors, rules — via API or fully white-label mobile SDK.
- Redeem across 7,000+ brands. Gift cards and vouchers across 90+ voucher markets, sourced through licensed local aggregators.
- We run the plumbing. Ledger, expiry, breakage, tax treatment, and per-market compliance handled — your team focuses on campaigns.
- Fiat end-to-end. No crypto footprint. Settlement flows through sponsor banks and licensed local issuers.
Best for regulated brands, retail banks, telcos, and enterprises that want a familiar program with global voucher coverage.
Every action,
a reward.
Fire points off any event in your product. Rules are versioned, A/B testable, and hot-swappable without redeploy.
Purchases
Base rate1 point per $1 spent — override per SKU, category, or channel.
Referrals
2-sidedReward both sides on qualified referrals. Anti-fraud built in.
Campaigns
2×–10×Time-boxed multipliers, bonus SKUs, geo-targeted drops.
Actions
Any eventKYC completion, first deposit, streaks, social shares, quests.
Partner burn
Network effectPoints spent at a partner earn back a % from that partner's float.
Subscriptions
RetentionRecurring bonus points for active subscribers and renewals.
Status that
stacks.
Optional out-of-the-box tier framework — or design your own with the rules engine. Progress, decay, and grace periods all configurable.
- Global voucher catalog
- Cash-out to wallet
- Basic support
- All Base perks
- Reduced FX spread
- Priority support
- Early access campaigns
- All Silver perks
- Metal card eligibility
- Zero-fee stablecoin off-ramp
- Concierge program manager
- All Gold perks
- Custom limits
- Private events
- Co-branded moments
From signup
to payout.
- 011-2 weeks
Design your program
Set earn rates, tiers, expiry rules, and eligible SKUs. Choose stablecoin-backed or classic fiat.
- 02API / SDK / hosted
Integrate
Ship faster with REST API, mobile SDK, or a hosted white-label wallet. Webhooks for every event.
- 03Real-time
Issue points
Points minted on our ledger the moment a qualifying event fires — purchases, referrals, actions, campaigns.
- 04150+ countries
Users redeem
Convert to cash, spend on card, or redeem across 7,000+ brands — all from one balance.
- 058 settlement currencies
You settle
Monthly settlement in your operating currency. Detailed reporting for finance and tax.
- 06Dashboard + API
Optimize
Live analytics on breakage, recycling, cohort ROI, and campaign lift. Iterate without redeploying.
Loyalty that
earns its keep.
Global redemption + real value = points that come home to your P&L.
Recycled points
55-65%Points typically flow back to the issuing merchant when redemption is easy and global — dramatically reducing net cost.
Effective program cost
~70% lowerCompared with legacy closed-loop programs where cash liability sits on your balance sheet unused.
Redemption rate lift
3-5×Programs with cash + voucher options see multi-fold higher active redemption vs voucher-only programs.
Breakage transparency
100%Every issued, redeemed, and expired point is reconciled to the last decimal — finance-grade reporting.
Regional neobank,
global program.
A digital bank in Southeast Asia replaced a closed-loop points program with ANEO Points on F8. Users earn on every debit card swipe and can cash out, spend on the card, or redeem across 7,000+ global brands — from a single balance in the app.
Numbers are representative of a typical mid-market deployment. Actuals vary by market and campaign design.
Every kind of
program.
Banks & neobanks
Replace outdated points programs with global, cash-like rewards that drive card top-of-wallet behaviour.
Telcos
Turn airtime, data, and plan spend into a rewards currency users can redeem across 7,000+ brands.
Marketplaces
Reward buyers and sellers in a currency they can cash out or spend — increasing retention and GMV.
Web3 & exchanges
Stablecoin-backed points give users transparent value with no wrapped-token complexity.
Enterprises & HR
Global employee recognition programs — one rewards currency, redeemable in every country you operate.
Retail & QSR
Loyalty that travels with your customer — inside your app or inside the F8 wallet ecosystem.
Three ways to
ship.
REST API
Full ledger, issuance, redemption, and reporting via typed API. Webhooks for every event.
Mobile SDK
Drop-in React Native and native iOS/Android SDKs. Ship a loyalty tab in your app in days.
Hosted wallet
Fully white-labeled F8 wallet with your loyalty program built in — no engineering required.
Live in weeks,
not quarters.
- Week 0-1
Scoping
Program model, earn rules, tier design, corridor coverage, compliance review.
- Week 2-3
Sandbox
API keys, test ledger, mock issuance, redemption flows across catalog.
- Week 4-6
Integration
Your team wires up events; ours wires up settlement, KYC, and reporting.
- Week 7-8
UAT & soft launch
Internal cohort testing, edge cases, campaign builder training.
- Week 9+
Public launch
Marketing rollout, live dashboards, dedicated program manager, weekly optimization.
Compliant by
design.
FINTRAC · Canada
Registered MSB.
FinCEN · United States
Registered MSB.
RPAA / PSP
Payment service compliance across operating markets.
In India, programs run rupee-backed end-to-end through licensed local issuance partners; stablecoin settlement is held offshore and never touches Indian users. Program mechanics, corridors, and availability are subject to per-market regulatory review.
Common
questions.
How fast can we launch?
A classic-issuance program with the hosted wallet can launch in as little as 2–3 weeks. Custom API integrations typically run 6–8 weeks depending on your stack.
Do you support our currency?
Programs settle across 8 currencies, with local-currency payout into 190+ countries via bank, wallet, card, or stablecoin.
Who holds the customer liability?
In the stablecoin-backed model, liability is fully reserved 1:1 in stablecoins held with regulated custodians. In classic issuance, liability sits on our ledger against your prepaid float — you're never carrying unfunded points.
Can we use our own brand?
Yes. All three integration modes (API, SDK, hosted wallet) are fully white-labeled — your logo, colors, domain, and copy.
What about data ownership?
You own your customer and program data. We provide export APIs and scheduled data feeds; nothing is shared or resold.
How does the voucher catalog work?
We aggregate 7,000+ brands through licensed voucher issuers in 90+ markets. Catalog coverage is filterable by region so users only see redeemable options.
Build a program
worth joining.
Talk to the ANEO team about scoping your global loyalty program on F8.