Jawali RewardX · Merchant Network
Your customers are sitting on points.Let them spend them at your till.
RewardX consolidates loyalty points from every programme a customer belongs to and lets them spend the balance in your store. You deliver the goods, we settle you in cash. No hardware, no point risk, no integration project.
Points are burned in real time against the customer’s balance. Your cash settlement, less your agreed merchant discount, is guaranteed from that moment — you carry no loyalty-point risk.
The opportunity
Idle points are the largest unspent wallet in African retail.
Kenyan consumers hold loyalty balances across telco, fuel, mall and retail programmes — and most of it never gets spent, because each balance is too small to be useful on its own. RewardX consolidates those balances into one spendable wallet, then puts it to work in your store. To the customer it is found money. To you it is incremental footfall you were not capturing.
Incremental footfall
Customers activating an otherwise-idle balance are visits you would not have had — and they routinely spend cash beyond the points they redeem.
No hardware, no integration
Acceptance runs on your own smartphone through the RewardX merchant app, or on a simple code at the till. There is no POS project to fund.
Guaranteed cash settlement
You are paid in shillings on your settlement cycle. You never hold points, never carry programme risk, and never wait on a loyalty scheme to honour a balance.
A new acquisition channel
Your store is discoverable inside the RewardX app to a consolidated national user base actively looking for somewhere to spend.
At the till
Four steps, under ten seconds.
Every redemption is authorised in real time against the customer’s live balance. Nothing is pre-authorised, and nothing can be replayed.
Customer presents a code
A QR code or a short one-time code generated in the RewardX app, or over USSD for feature phones. It is bound to your store and to a single amount.
You scan or key it in
Straight into the merchant app on the phone already in your pocket. No terminal, no card rails, no separate till line.
RewardX authorises and burns
We check the balance, burn the points in real time and record what we owe you. You see an approval on screen before the customer leaves the counter.
You are settled in cash
The originating programme funds the redemption and we pay you the net amount into your verified bank account on your settlement cycle.
Where the money comes from
The programme pays, not the customer — and not you.
When a customer spends points in your store, the programme that issued those points has its own loyalty liability discharged. That is why the issuer funds the redemption. RewardX sits in the middle as the clearing agent, collecting from the issuer and paying you.
Every redemption clears this way, whatever the basket. The customer gives up point value and walks out with the goods; your merchant discount is the only variable, and it is agreed in writing before you accept your first payment.
Why merchants accept a discount
For the same reason you accept card payments at a merchant discount rate, or honour third-party gift cards below face value: RewardX brings you spend you would not otherwise have captured. Point balances read as found money to the customer, and they convert reliably into store visits — very often with additional cash spend on top of the points redeemed.
Access & security
One store account, on phones you control.
The merchant app runs on your own store phone — the handset behind your counter, never the customer’s. Only a device you have enrolled can accept a redemption, and every acceptance is stamped with the cashier who took it.
Apply and verify the business
You submit your business registration, the owner’s ID and a bank account in the business name. We run know-your-business checks before the account opens — settlement can only ever reach a verified account.
OwnerThe owner account is created
One owner login per business, secured with a password and a one-time code sent to your registered number. It is the only account that can change bank details, enrol devices or add staff.
OwnerEnrol your store phones
The owner adds each till handset from inside the app. The device is issued its own key and appears in a device list you can see at any time — and revoke instantly if a phone is lost, sold, or leaves with a member of staff.
Owner · per deviceCashiers sign in at the till
Each cashier gets their own short PIN or fingerprint on an enrolled phone. They can accept redemptions and nothing else — no bank details, no settlement reports, no device management.
CashierThe session protects itself
The app locks after a period of inactivity, asks for the PIN again above your agreed value ceiling, and will not run at all on a handset that has not been enrolled.
CashierCommercial terms
Three tiers. Higher volume, better terms, faster money.
Your tier is set by throughput and reviewed as your volume grows. Your discount rate is confirmed in writing at onboarding, and settlement always lands in a verified bank account in your business name.
| Tier | Typical merchant | Settlement |
|---|---|---|
| Standard | Independent stores and service providers | Weekly |
| Volume | Regional chains with higher throughput | Twice weekly |
| Anchor | National retailers and marquee names | Next-day, priority |
Your rate is quoted, not published.
Every merchant is priced on their own throughput and outlet count, so we do not print a rate card. Answer eight quick questions and we come back within one business day with your tier, your merchant discount rate and your settlement cycle, in writing.
If a sale is reversed
Returns and disputed transactions unwind cleanly: the value is re-credited to the originating programme, the settlement is reclaimed and our commission is reversed in proportion. A fixed seven-day dispute window closes the transaction for good, so you always know when a redemption is final.
Under the hood
Every point remembers where it came from.
A consolidated wallet holds value that originated in several different programmes. RewardX runs on a blockchain ledger where each point carries its programme of origin, so a redemption can always be traced back to whoever must fund it.
When a customer spends KES 2,000 drawn from three programmes, the engine draws down programme-tagged balances by a published rule — oldest-expiring first, so the customer keeps as much value as possible — and raises a claim against each issuer in proportion. You see one clean settlement; the reconciliation happens on our side.
- Real-time authorisation against a live, provenance-tagged balance
- Transparent, published drawdown order — no discretionary sequencing
- Clean reversal path that returns value to the right programme
Three issuers funded one basket. The merchant received one cash settlement and never saw the split.
Trust and safety
Built so the worst case is bounded.
There is no cash-out anywhere in RewardX. Points can only ever become goods, which caps the value of any successful fraud at the basket — never liquid cash. These controls sit on top of that.
Real-time authorisation only
Points are burned at the moment of acceptance and never pre-authorised in a form that could be captured and replayed.
Single-use redemption codes
Short expiry, bound to one merchant and one amount, so a code cannot be reused or intercepted usefully.
Merchant due diligence
KYB checks at onboarding, a live register of active and suspended merchants, and settlement only to verified bank accounts.
Velocity and value ceilings
Limits per customer and per merchant, with unusual redemption spikes flagged for review before settlement.
Collusion monitoring
Patterns that suggest manufactured redemptions are surfaced to our money-laundering reporting officer.
Bounded dispute window
A defined window with a provenance-based unwind, after which every redemption is final for all three parties.
Where we are
Launching on direct redemption, deliberately.
The network goes live on real-time points redemption. Voucher issuance is a later, licensed phase — it is a regulated stored-value instrument and we will only offer it once the authorisation and trust structure behind it are in place.
Direct redemption
Real-time points redemption at recruited merchants across the country, on the standard tier. Merchant onboarding is open and takes minutes.
Network at scale
Wider merchant coverage, tiered discount rates and next-day settlement for anchor merchants, once the pilot fraud controls are proven.
Vouchers
Points-to-voucher issuance accepted across the network — introduced only once the required Central Bank authorisation and safeguarded trust account are in place.
Bring your till into the network.
Onboarding takes minutes and costs nothing. Tell us where you trade and we will come back with your tier, your rate and your settlement cycle.