TruPoints
Team deck
For Point Partners & Issuers

Settle in ZAR. Not in IOUs.

Banks, airlines, retailers and telcos: route points across programs through a single open switch with transparent fees and T+1 net settlement.

Watch the full deck See Settlement Ledger Download PDF
What you get

Built for what you actually do.

Open JSON adapter

/v1/transaction/lock — idempotent, signed, replayable. We support REST, webhook and ISO-8583 dialects.

2% transparent fee

No tiered pricing, no MDR surprises. Same fee for a R5 swap or a R5,000 swap.

Real-time escrow ledger

Reconciled every 5 minutes and published to your finance team — never end-of-month surprises.

1,284
switches/day in pilot
R 14.2M
switched volume
<400ms
p95 switch latency
100%
audit coverage
From the deck

The slides that matter for you.

See all 10 slides
The Problem
R28B
locked in South African loyalty programmes.

Consumers forget their Vitality miles, OM Rewards, Boxer points and eBucks. Issuers carry the liability on their balance sheet — quarter after quarter.

Avg unredeemed wallet
R 1,240
per active user
Expiring within 12 months
31%
industry estimate
Issuer breakage liability
R 6.8B
carried, growing
TruPointsTruPoints · powered by FreeByte·Problem
02 / 12
Universal Switch
One wallet. Every program.
Discovery Vitality
Old Mutual Rewards
Shoprite eBucks
Boxer Society
Pick n Pay Smart Shopper
Standard UCount
2% switch fee
TruPoints
TruPoints
Net ZAR · settled T+1
Settled today
R 412k
Switches
1,284
TruPointsTruPoints · powered by FreeByte·Switch
04 / 12
Platform
Open-Adapter Framework

REST · Webhook · ISO-8583. Plug any loyalty program or VAS partner into the switch in under 10 days.

Ingestion
Balance reads, tokenised auth
Switch Core
FX, fee, anti-abuse, escrow
Egress
VAS, vouchers, settlement files
POST /v1/transaction/lock
{ "source": { "program": "vitality", "token": "VIT_2f3a…", "miles": 250 }, "target": { "program": "trupoints", "currency": "ZAR" }, "amount_zar": 2.50, "fee_zar": 0.05, "idempotency_key": "tp_8f3…", "creator_package": "c-taxi" }
TruPointsTruPoints · powered by FreeByte·Adapter
06 / 12
Unit Economics
A money-cycle that earns from every hop.
2%
platform fee per switch
transparent · uniform
R 6.8M
issuer breakage cleared
pilot, 90 days
R 14.2M
switched volume
one-community pilot
5%
share to creator packages
of activated burn volume

Every burn that originates from a creator package routes 0.4pp of the fee + 5% of burn volume to the designer — automatically, with on-ledger proof.

TruPointsTruPoints · powered by FreeByte·Economics
07 / 12

Questions you'd ask.