StabileRewards

Client Profile: Luxury Multi-Brand Retailers (e.g., Bergdorf Goodman, Harrods, Selfridges) The Outcome: Stop losing high-value customers at the return counter. StabileRewards instantly converts refunds into guaranteed future sales, while future-proofing your brand for Agentic Commerce. The Solution: Acting as a non-invasive Loyalty Ledger bridging legacy POS systems and modern online commerce, StabileRewards offers customers higher-value USDC-backed rewards instead of cash when returning items in-store. Key Business Impact: - Store Manager: Converts refund transactions into immediate future sales, protecting commissions and boosting local P&L. - CFO: Turns loyalty points from a balance sheet liability into a transparent, liquid asset, reducing financial risk and FX costs.

Client Profile: Coalition Networks (e.g., Nectar, Payback, Star Alliance, Marriott Bonvoy) Challenge: Mergers, acquisitions, and strategic loyalty alliances are often slowed by years of IT integration, massive foreign exchange fees, and loyalty points sitting as slow-moving liabilities on the balance sheet. The StabileRewards + Circle Solution: StabileRewards provides the standardized Alliance Settlement Engine. It acts as a lightweight, financial bridge that uses USDC (via Circle's infrastructure) to instantly settle value between siloed legacy loyalty programs. This allows a customer to earn points at Partner A and instantly spend the liquid value at Partner B, regardless of their separate systems. Key Business Impact: * Liability Reduction: Accelerate customer redemption ("breakage"), turning long-term balance sheet debt into instant, reconciled revenue for partner brands. * Cost Elimination: Erase the foreign exchange fees and multi-day settlement delays typically associated with global cross-border alliances. * Strategic Agility: Instantly enable borderless interoperability between newly merged or allied brands without the $50M+ cost of merging legacy loyalty databases.

Client Profile: Global Marketplaces (e.g., Etsy, AliExpress, Amazon Marketplace, and eBay) The Challenge: Platforms hosting millions of independent, international sellers face significant friction: prohibitive FX fees, high micro-transaction costs, and complex currency conversions. These challenges slow payouts and suppress high-margin cross-border trade. The StabileRewards + Circle Solution: StabileRewards creates a universal, liquid reward currency (USDC) for the entire platform. Rewards are instantly issued via Circle’s infrastructure and can be spent with any seller globally, regardless of location. Key Business Impact: * Financial Efficiency: Reduce FX fees and eliminate multi-day settlement delays for micro-transactions, immediately improving platform margin. * Seller Retention: Provide independent sellers with near-instant, stable-value payouts in a single, predictable currency, boosting loyalty. * Growth: Incentivize cross-border commerce with a universal reward that makes international spending seamless.

Client Profile: D2C Subscription Brands (e.g., Manscaped, Bespoke Post, and Trunk Club) The Challenge: Subscription businesses constantly battle churn, particularly in competitive global markets. Involuntary churn — failed payments — is a major problem. Traditional loyalty points often lack real, tangible value needed to keep subscribers engaged long-term, especially globally. The StabileRewards + Circle Solution: StabileRewards creates sticky, programmable USDC rewards that incentivize continuity. Subscribers earn instant rewards for each successful renewal, which can be spent, transferred, or applied to their next subscription fee — turning every renewal into a tangible retention lever. Key Business Impact: * Churn Reduction: Reduce involuntary and voluntary churn by incentivizing continuity with real financial rewards. * Global Consistency: Deliver rewards instantly and borderlessly in stable USDC, ensuring equal value worldwide. * LTV Maximization: Reward recurring revenue, shifting focus from costly acquisition to retention and lifetime value growth.

Client Profile: Shopify Merchants / SMBs The Long Tail Challenge: SMBs on platforms like Shopify risk losing direct customer relationships and LTV as consumers increasingly rely on AI Buying Agents (e.g., ChatGPT Checkout, Perplexity Buy with Pro) to make purchases. AI agents become gatekeepers, reducing merchants to faceless warehouses. SMBs need an affordable, plug-and-play solution to protect loyalty. The StabileRewards + Circle Solution: StabileRewards provides AI-Ready Loyalty: a simple app that publishes a store’s loyalty program in a machine-readable format. AI agents choose the merchant based on rewards transparency. Rewards are USDC-backed (via Circle), instantly spendable, globally accepted, and easy to reconcile. Key Business Impact (SMB Owner Hook): * Future-Proofing: Maintain direct loyalty and customer LTV in the Agentic Economy. * Affordable Growth: Provide instant, stable-value rewards without costly infrastructure. * Simplicity: Integrates in minutes via API or platform app, with minimal setup.