Points sit in a brand's database and disappear the moment the program changes or a customer walks away. A wallet-based reward flips that customers hold something they can transfer, resell, or use across partner platforms, not just redeem inside one storefront.

That shift raises a real question for anyone running a program: does holding an actual asset change how customers behave, or would most still trade ownership for something simple they can redeem right away?

Crypto Loyalty Tokens