What is PointSwap?
PointSwap is an infrastructure-first interoperability layer designed to unify fragmented loyalty value across enterprise ecosystems. Built for integration and scale, it operates as a secure middleware for seamless point transfers, value translation, and cross-business portability—without interfering in program management or end-user experience. PointSwap is engineered for B2B, focusing on trusted, permissioned partners and robust APIs rather than consumer marketing gimmicks.
PointSwap is not a loyalty program or a gamification scheme. It does not issue or sell points, provide end-user UX, or compete with program operators. It is not built for retail point aggregators or influencer platforms, but for enterprise clients: loyalty, travel and fintech operators who value technical control and compliance. PointSwap integrates natively into existing technology stacks, acting as an abstracted settlement and translation layer between established systems.
Who is PointSwap for?
PointSwap targets operators, platforms, and issuers who demand sovereignty, compliance, and technical control over loyalty value flows. It is for teams seeking resilient infrastructure, not marketing wrappers. Whether you are a fintech platform, airline, or coalition operator, PointSwap delivers portability, interoperability, and API-first composability.
By abstracting the mechanics of point exchange and value translation, PointSwap lets architects embed loyalty value where and how it’s needed—without introducing vendor lock-in or marketing complexity.
How does PointSwap integrate?
PointSwap integrates as a simple, robust API layer within your existing stack. It stands apart from application logic and user front ends, acting as an invisible yet auditable backbone for loyalty value transfer and reconciliation. Integration is secure, modular, and does not require overhauls of legacy systems.
PointSwap is compatible with modern architectures—cloud, hybrid, and on-prem deployments. All data flows are observable, permissioned, and designed for compliance, giving enterprise architects full lifecycle control and monitoring.
Infrastructure Evolution
From Interoperability Concept to Market Infrastructure
PointSwap is built as a progressive infrastructure layer. Each stage deliberately addresses operational, financial, and regulatory realities before scale.
Phase 1
Interoperability Concept
- Definition of a neutral swap layer for loyalty value.
- Value translation without settlement obligation.
- Clear audit intent and operator validation.
Phase 2
Controlled Settlement
- Escrow-style value separation via regulated partners.
- Decoupling of origin and target programs.
- Closed-loop enterprise pilots.
Phase 3
Regulated Value Exchange
- Multi-party settlement flows.
- Cross-border, tax-aware routing.
- Integration with payment and network partners.
Phase 4
Market Infrastructure
- Neutral clearing layer for loyalty ecosystems.
- Programmatic settlement and reconciliation.
- Ecosystem-scale interoperability.
Designed for Financial & Tax Reality
Loyalty value is not virtual. It carries accounting, tax, and settlement implications across jurisdictions.
- PointSwap does not replace program-level accounting or tax logic.
- Origin programs retain responsibility for VAT attribution and liability resolution.
- Value movements are designed to be auditable, traceable, and metadata-preserving.
- Settlement flows are structured for integration with regulated escrow or trust-based partners.
- PointSwap itself does not hold customer funds or loyalty liabilities.
PointSwap is an orchestration layer — enabling compliant value flows without becoming a financial intermediary.
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