This document discusses the opportunity to create a loyalty rewards engine that allows consumers to earn and redeem points across multiple participating merchants. Currently, most loyalty programs are proprietary to individual brands and merchants, providing limited flexibility for consumers. The proposed solution would create a single loyalty platform where both large and small businesses could participate, giving consumers a unified way to earn points on any purchase that could then be redeemed at any business in the network. The project aims to drive innovation in the loyalty space and increase engagement across the payment ecosystem.