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Tokenize a loyalty program in 3 steps.

A brand keeps its existing loyalty stack, signs exact tokenization and redemption actions, and lets Loyfin make selected balances usable by customers, apps, and relayers.

Loyfin is a bidirectional tokenization layer for existing loyalty programs. Brands keep their CRM, points database, customer auth, earning rules, and fulfillment systems. Loyfin adds a points onramp and offramp: selected offchain balances can become customer-owned tokenized loyalty points, and tokenized balances can be redeemed back into brand-defined benefits.

01

Define the program

Map an existing loyalty program to a Loyalty Token identity, artwork, issuer wallet, expiry policy, and redemption promise.

02

Sign tokenization actions

Your brand wallet signs exact issuances or redemptions. Nobody can change the customer, amount, expiry, operation hash, or program.

03

Let them be submitted

Customers, apps, or relayers can submit Created actions after the customer has approved the USDC fee. Completed events power token pages and activity views.

IssueView API

Tokenization layer#

Loyfin is not a replacement for the brand's points system.

A brand's primary loyalty balance still lives offchain in its own database. Loyfin is the onramp and offramp for the balances a brand chooses to tokenize: customers can convert eligible points into tokenized loyalty assets, move them when allowed, and redeem them back into brand experiences.

  • Your existing app remains the place for customer authentication, earning rules, fraud checks, support, and fulfillment.
  • issue is the onramp: it tokenizes selected offchain value into a customer-owned balance.
  • redeem is the offramp: it burns tokenized value so the brand can deliver the promised benefit.
  • operationHash connects each Loyfin action to the brand's internal database row.

Brand checklist#

A non-technical team can gather these before an engineer touches the API.

Program name and short symbolProgram artworkBrand issuer walletFirst customer or seed walletReward amount rulesExpiry policyTransfer policyRedemption promise

Choose your path#

Start with the task closest to what you are shipping.

Pilot launchPlan sandbox testing, issuer/admin custody, receipts, customer copy, and production launch steps.IssueTokenize selected offchain points, credit, perks, or campaign value into a customer-owned balance.RedeemOfframp tokenized loyalty value into a benefit your brand fulfills.Become a RelayerParticipate in the Loyalty Network by submitting Created actions for the relayer fee.

Admin controls#

Brand identity and admin control are separate.

The issuer is the immutable brand identity for a Loyalty Token and signs issue and redeem actions forever. The owner is the admin for mutable settings: metadata, royalty settings, and whether issuing, redeeming, or transferring is enabled.

  • transferOwnership moves admin control only; it does not change the issuer or brand identity.
  • renounceOwnership freezes owner-controlled settings, while issuer-signed issue and redeem actions can continue if those capabilities remain enabled.
  • Brands that need signer rotation should use a multisig as issuer and rotate signers inside that multisig.

Fees and brand revenue#

Revenue follows successful reward activity.

Issuance and redemption fees are paid in USDC by the customer involved in the action, then split between the brand, relayer, and protocol. Relayers earn for submitting valid Created actions; brands earn when their loyalty program creates useful activity.

If a brand allows transfers and compatible marketplaces honor royalties, secondary activity can also route value back to the brand receiver. The intent is simple: loyalty should remain a retention tool while becoming a measurable distribution and revenue surface.

Glossary#

The words used across the guides.

Brand wallet

The wallet or approved contract wallet that signs reward actions.

Program

A brand loyalty program with its own identity, balances, metadata, and controls.

Reward action

A signed issuance or redemption prepared by the brand.

Nonce

A unique per-issuer value that prevents replaying the same signed action.

Expiry bucket

The reward bucket selected by expiresAt. Use 0 for no expiry.

Action deadline

The latest time a signed issuance or redemption can be submitted. Use 0 for no deadline.

Relayer

Any wallet that submits a valid Created action and earns the relayer portion of the customer-paid USDC fee.

Marketplace royalties

Program-level royalties that compatible marketplaces can honor on secondary activity.