For merchants · Loyalty
Launch your own loyalty stablecoin
Pay cashback in money under your name, instead of points that expire. Start with the loyalty rate you already pay.
1 : 1
to the ringgit
Never
expires
3m+
DuitNow merchants
The problem
Most people hate points
39%
Never used
41%
Hate the expiry
12
Months, then gone
You pay for the reward. They never collect it. Everyone loses.
Sources: Bond Brand Loyalty 2025; Antavo 2026.
Case study · MercadoLibre (NASDAQ: MELI)
They tried points, then a token, then a stablecoin
Loyalty points ran from 2017 and were closed. A floating-price loyalty token followed in 2022. In 2024 they moved to a dollar-pegged loyalty stablecoin, and that is the one customers kept using.
US$2B → 23B
Customer money held, in three years
<10% → 47%
Of group revenue, now fintech
10×
Share price, Feb 2017 to Sept 2026
The difference
Why a stablecoin beats points
The customer
Nothing at the point of sale changes
RM100
They shop
A normal basket, paid by DuitNow QR.
RM5
They earn
5% cashback, paid in your stablecoin.
RM100
They top up
To reach a better tier, then spend more with you.
One wallet
Both balances live in the customer's own YouApp wallet.
Nothing to install
Same QR, same staff, same settlement in ringgit.
Every customer verified
Everyone on YouApp has passed an ID check.
The mechanic
Give customers a reason to top up
The cashback rate climbs with each top-up. Nothing changes at the point of sale.
Join, no top-up
3%
cashback
Anyone who joins.
Top up RM100
5%
cashback
Plus member pricing.
Top up RM500
10%
cashback
Plus more perks.
Tiers reward money coming in, never money sitting still.
No interest is paid for holding stablecoins. The rates above are an example; you set your own.
The merchant
Your brand. Your profits.
Lower acceptance cost
Stablecoin payments cost less to accept than cards.
Prepaid balances
The more attractive your programme, the more customers top up ahead of spending.
Network share
Earn when your coin is spent elsewhere, and when customers refer.
Brand money
Pay staff, suppliers and expenses in your own stablecoin.
Your logo here
RM1 stablecoin = RM1
Spends anywhere DuitNow is accepted.
What you control
- Cashback rate per tier and per transaction
- Double-reward days from a dashboard
- Who can join, and at what level
The plan
Three layers. You build the top one.
Layer 1
Your brand
The stablecoin carries your name, your cashback and your tiers.
Layer 2
YouApp
The verified-only wallet and app that make it spendable.
Layer 3
Malaysia Ringgit Stablecoin and licensed partners
Backed 1:1 by MYRT, so your coin spends at 3m+ DuitNow merchants and you are always paid in ringgit.
How to launch
3 weeks- 1
Sign up
Partnership, cashback rate and timeline. Setup is free.
- 2
Set your cashback and tiers
Make the programme worth topping up for.
- 3
Launch
Customers earn and spend your stablecoin at your shop.
Conversion powered by
(sera.cx), a non-custodial settlement protocol for stablecoins.
Non-custodial wallet powered by
(a Stripe company)
Every payment, conversion and settlement is provided by licensed parties. Your YouApp wallet is non-custodial: YouApp never holds or touches your YouApp wallet funds or stablecoins. MYRT is the Malaysia Ringgit Stablecoin, a limited-purpose stablecoin minted and redeemed 1:1 for ringgit, with its reserve held at a licensed Shariah-compliant fund.
