Traditional points reward issues are deeply rooted: most rewards have expiration dates, forcing users to bind to a single brand ecosystem, and ultimately these points are just numbers on a virtual account, never truly owned.



Asset-based reward models break this deadlock. Compared to virtual points, users receive real, transferable digital assets—such as Bitcoin cash rebates. New generation payment apps are testing this model. When users make installment payments, Bitcoin rewards are directly settled into their personal wallets, fully controllable and withdrawable at any time. This means rewards are no longer tools controlled by brands, but wealth truly owned by users.
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