Blockchain loyalty program: closed points and member cards
Points and member cards on-chain that cannot be sold or exchanged for money: members only earn and spend them with you and your partners. Customers sign in with a phone number or email, no crypto wallet needed, and the ledger is linked to your till, 1C or loyalty app.
Built end to end, the code is yoursHow the program works
Familiar bonus mechanics, with the record on-chain.
What we build, and what we don’t
The line is where points would start to circulate like tokens.
- Points and cards tied to the member
- Redeeming points for a discount, product or service with you
- A shared points ledger for several partner brands
- Tokens that can be sold or passed to someone else
- Exchanging points for money or crypto
- Trading points on exchanges and marketplaces
A regular bonus card or points on-chain
Honestly: one brand with one till rarely needs a blockchain.
| A regular bonus card or points on-chain | Bonus card in a database | Closed points on-chain |
|---|---|---|
| Where the ledger lives | In one company’s database | In a shared registry partners can see |
| Checking accruals | By the database owner’s report | Any participant can see the history |
| Partners | Each keeps its own and reconciles by hand | One shared ledger, no reconciliation |
| When to choose it | One brand, one till | Several brands, or a history people can verify |
How we launch it
Perks first, technology second.
- Perks first
What members get and where they spend points, decided before anything goes on-chain.
- Points, card and sign-in
A contract with non-transferable records, sign-in by phone or email.
- Link to the till
Points earned and redeemed at the till, in the app and with partners.
- Admin for your team
Promotions, tiers and members in one dashboard, no developer needed.
Why the points are closed
The Law on Digital Assets and the Law on Advertising as in force on 15 November 2026.
- A transferable token is a digital asset
Under the law, a digital asset is property in electronic digital form with a digital code, registered on distributed ledger technology (Art. 1(4)). A token that can be sold or transferred fits that definition.[1]
- Issuance and circulation are restricted
Unsecured digital assets may be issued and circulated in Kazakhstan only in six cases (Art. 12-1(1)) and are not recognised as a means of payment (Art. 12-1(2)). That is why the points are tied to the member, cannot be sold and cannot be exchanged for money.[1]
- Advertising without promises
Advertising for digital assets may not guarantee income, promise a rise in value or invite people to earn by bringing in others (Law on Advertising, Art. 14). We discuss any refer-a-friend mechanics with your lawyer separately.[2]
Your lawyer confirms the design
Non-transferable points are a more cautious choice than transferable tokens, but how the law treats a specific mechanic is for a lawyer to decide. We agree the design, the program rules and the copy with your lawyer before development. Pazl builds software: you run the program under your own rules, and we only write the code.
Around your program
Loyalty with and without a blockchain.
Checked on 15 November 2026
- Law of the Republic of Kazakhstan No. 193-VII of 6 February 2023 "On Digital Assets in the Republic of Kazakhstan"
- Law of the Republic of Kazakhstan No. 508 of 19 December 2003 "On Advertising"
This is not legal advice. Laws change: before launch, check the current version on adilet.zan.kz and talk to a lawyer or accountant.
Short and to the point.
Do customers need a crypto wallet?
No. Customers sign in with a phone number or email, and the on-chain record is created automatically. For them it is an ordinary bonus program.
Can points be sold or exchanged?
No, and that is deliberate. Points are tied to the member and spent only with you and your partners. Under the law a transferable token would be a digital asset, and issuing and circulating those in Kazakhstan is restricted.
Why a blockchain if a regular bonus card exists?
One brand with one till rarely needs it, and we will tell you so. A chain helps when points are shared by several partners or when members want to see that accruals were not rewritten after the fact.
What does the program cost?
We name the price after the brief, once the perks and the systems to connect are clear, and fix it in the contract.
Do we need a licence?
Not for development. Whether the program needs one depends on the mechanics: closed points that cannot be sold or exchanged for money are designed not to circulate as tokens. Your lawyer confirms it, and we build to their answer.
What will members get?
Describe the program and we reply quickly.