# 17. 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.

#### <mark style="color:$primary;">**17.1 Core Idea**</mark>

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.

#### <mark style="color:$primary;">**17.2 How It Works**</mark>

<mark style="color:$primary;">**17.2.1 Earn Points**</mark>

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.

<mark style="color:$primary;">**17.2.2 Redeem Flexibly**</mark>

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

<mark style="color:$primary;">**17.2.3 Tier Up**</mark>

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.*

<mark style="color:$primary;">**17.2.4 Gamification Mechanics**</mark>

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.

<mark style="color:$primary;">**Monster Hunt + Real World**</mark>\
Merchants sponsor AR “monster” locations in-store. Customers hunt, catch, and earn rare NFTs, boosting foot traffic and loyalty.

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<mark style="color:$primary;">**17.2.5 Benefits for Merchants**</mark>

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.

#### <mark style="color:$primary;">**17.3 Revenue Sharing**</mark>

<mark style="color:$primary;">**17.3.1 How the Revenue Engine Works**</mark>

<mark style="color:$info;">**17.3.1.1 The Transaction Fee ( 3%)**</mark>

* Every crypto-to-fiat transaction inside the PWC 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 XCP buybacks to sustain the token value

<mark style="color:$info;">**17.3.1.2 Automatic On-Chain Splits**</mark>

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.<br>

<figure><img src="https://31315649-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2pWdzFseP0LKJZM8dZJS%2Fuploads%2FCEVPTsDcL0eveFWUPhFr%2Fimage.png?alt=media&#x26;token=7caa1f70-6b4c-4011-a788-d1c396c86cc2" alt=""><figcaption></figcaption></figure>

#### 17.4 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.

#### 17.5   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.

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