17. APC Spending Rewards

Live

APC Rewards 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.

Core Idea

Every crypto transaction — from a coffee purchase to an NFT swap, from paying a bill to donating to charity — generates APC Rewards 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.

How It Works

Earn Points

Every action in the PayWithCrypto Super App — Scan-to-Pay at a merchant, swap tokens, stake APC, refer a friend, or complete AR Monster Hunts — instantly earns points. Redeem Flexibly

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 PayWithCryptopartner perks

Benefits for Merchants

APC Rewards Point 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.

Revenue Sharing

How the Revenue Engine Works

The Transaction Fee ( 3%)

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

• This fee covers:

  • Instant stablecoin-to-fiat settlement

  • AML/KYC compliance checks

  • On-chain recording costs

  • Continuous APC buybacks to sustain the token value

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.

Sustainability & Utility

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

· Merchants & users stake $APC → 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.

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.