14. XCP Infinity Spending Rewards

XCP Infinity is PayWithCrypto’s signature gamified loyalty engine, built to transform everyday crypto spending into a self-sustaining reward cycle for both users and merchants — and to keep them engaged long-term.

14.1 Core Idea

Every crypto transaction — from a coffee purchase to an NFT swap, from paying a bill to donating to charity — generates XCP Infinity Points, which unlock real-world rewards, premium perks, and deeper ecosystem benefits. The more you spend, stake, and engage, the higher your tier and the greater your perks.

14.2 How It Works

14.2.1 Earn Points: Every action in the PWC Super App — Scan-to-Pay at a merchant, swap tokens, stake XCP, refer a friend, or complete AR Monster Hunts — instantly earns points.

14.2.2 Redeem Flexibly: Points can be redeemed for:

• Merchant vouchers

• Real discounts at participating stores

• NFT collectibles

• Gas rebates for on-chain transactions

• Premium access to PWC partner perks

14.2.3Tier Up: Your activities move you up the Infinity Ladder — unlocking higher multipliers and exclusive unlocks.

V1 – V5 Tiers: The Infinity Ladder Infinity has five clear tiers:

Tier	Requirements	Benefits
V1: Explorer	Entry level	Base earning + standard rewards
V2: Builder	Spend milestone + referrals	1.2× points, seasonal bonus missions
V3: Hunter	Hold minimum XCP + AR missions	1.5× points, exclusive NFTs, and early access offers
V4: Champion	High spend + staking	2× points, premium badges, private deals
V5: Legend	Top 1% rank, voted by DAO	2.5× points, VIP experiences, partner drops

📈 Users climb by spending, referring, staking XCP, or completing1 unique quests.

14.2.4 Gamification Mechanics

Challenges & Missions Infinity offers rotating weekly and seasonal missions:

· Catch 5 AR monsters this week

· Spend at 3 new merchants

· Refer 2 friends in 7 days

· Donate t o a verified charity

Completing missions grants XP boosts, rare NFTs, and bonus multipliers.

Leaderboards

· Top users ranked by spend, AR Hunt catches, or referrals.

· Merchants ranked by transaction volume and user retention.

· Seasonal winners earn public recognition + point boosts.

Monster Hunt + Real World Merchants sponsor AR “monster” locations in-store. Customers hunt, catch, and earn rare NFTs, boosting foot traffic and loyalty.

13.2.5 Benefits for Merchants

XCP Infinity isn’t just for users — it’s designed to boost merchants, too:

· More repeat visits: Customers want to scan & spend to level up.

· Dynamic rewards: Merchants issue NFTs, vouchers, or sponsor missions.

· Customer data loop: Get insights (with user consent) on repeat customers.

· Instant, on-chain: Rewards drop to wallets automatically — no clunky backend needed.

14.3 Revenue Sharing

13.3.1 How the Revenue Engine Works

13.3.1.1 The Transaction Fee (2%–3%)

· Every crypto-to-fiat transaction inside the PWC Super App includes a small conversion fee, typically 2%–3%, which is lower than traditional card and SWIFT fees.

· This fee covers:

o Instant stablecoin-to-fiat settlement

o AML/KYC compliance checks

o On-chain recording costs

o Continuous XCP buybacks to sustain the token value

14.3.1.2 Automatic On-Chain Splits

Instead of being absorbed entirely by the platform, the fee is transparently shared with all ecosystem players who bring in merchants, maintain liquidity, or ensure local regulatory compliance. Here’s how it’s distributed:

Stakeholder	Share	What They Get
Merchant & Customer	0.5%–1% rebate	XCP Infinity rewards + rebates
Channel Provider	0.5%–1%	Revenue share for transactions sourced
Licensed Partner	1%	Licensed conversion & compliance revenue
PWC Platform	~2%–3%	Conversion fee, fueling ecosystem & token buyback

14.4 Sustainability & Utility

· All transactions burn fees back into $XCP buybacks → sustainable deflation.

· Merchants & users stake XCP → creates natural holding pressure.

· Points can be cashed out into real discounts, not locked in a walled garden.

· DAO governance can adjust tiers, perks, and seasonal bonuses.

14.5 Fully On-Chain

All points, tiers, and perks are:

· Transparent on-chain.

· Linked to non-custodial wallets.

· Auditable, tradeable where allowed.

· Interoperable: NFTs or points can be used across brands.