Exchange marketplace

Trade your points.

Live rates, transfer bonuses and AI-guided opportunities across partners.

From

Balance: 125,000 Avios

To

Balance: 85,000 Points

Exchange ratio

1 : 1.56

Transfer bonus

+20%

AI confidence

High

+20% Bonus live · Ends in 2d 14h

AI Recommendation

Transfer now to maximise your Marriott redemption potential.

Current promotion: +20% transfer bonus. Expires in 48 hours, one of the strongest redemption windows available this quarter.

Transfer opportunity trend

Avios → Bonvoy · 90-day ratio

90d low 1 : 1.05 +14% vs 90d avg90d high 1 : 1.30

Active promotions

Bonus transfer campaigns

BA Avios → Marriott Bonvoy

Ends 2d 14h

+20%

Amex MR → BA Avios

Ends 9d 02h

+30%

Tesco Clubcard → Virgin Points

Ends Ongoing

3× value

Exchange ratios indicative. Final transfer amounts and any bonuses are confirmed by the partner programme at execution.

The industry challenge

Why loyalty exchange matters

Loyalty has scaled faster than it has connected. Members accumulate reward currency across dozens of programmes, yet each balance lives inside its own walled garden with its own rules, thresholds and expiry clocks. The result is a market rich in issued value and poor in realised value, where redemption feels harder than earning.

Fragmented ecosystems

The average traveller holds balances across airline, hotel, retail and card programmes that never speak to one another.

Isolated balances

Small pockets of value sit stranded below redemption thresholds, invisible in any single programme's app.

Points expiry

Dormant currency quietly lapses, eroding trust in the exact moment a member notices it has gone.

Unused liabilities

Outstanding points sit on the balance sheet as a liability without generating engagement or commercial return.

No interoperability

Bilateral transfer deals are slow to negotiate, inconsistent in rate and rarely discoverable by members.

Growing partner sprawl

Coalition loyalty keeps expanding, but every new partner multiplies integration and governance overhead.

An interoperability layer, not another currency

LOYXN is conceived as a neutral loyalty exchange marketplace that sits between participating programmes rather than above them. Brands continue to issue, price and own their loyalty currency; LOYXN simply provides the connective tissue that allows a member to move value between programmes under rules each operator defines.

That distinction matters commercially. An interoperability layer does not dilute a programme's identity or hand its members to a third-party wallet. It extends the useful surface area of the currency, turning dormant balances into active redemption behaviour while every transfer remains governed, priced and approved by the issuing brand.

Read the full LOYXN vision

Process

How the exchange works

Four steps, designed so a points exchange feels closer to a currency transfer in a modern banking app than a support ticket.

  1. 01

    Connect programme

    Members link their existing loyalty accounts through secure, consent-based API integration. No credentials are shared between brands.

  2. 02

    Discover opportunities

    Live exchange rates, transfer bonus campaigns and expiring balances surface in one consolidated digital wallet view.

  3. 03

    AI calculates best exchange

    The optimisation engine models redemption value, timing and promotions to recommend the strongest available route.

  4. 04

    Secure transfer

    The exchange is executed against partner APIs, confirmed by the receiving programme and written to an auditable record.

For members

Benefits for loyalty members

For the member, the promise is simple: fewer stranded balances, clearer choices and more value from reward currency they have already earned.

Consolidate fragmented rewards

One wallet view across airline, hotel, retail and card programmes, with every balance expressed in comparable terms.

Maximise redemption value

See where a balance is worth most before committing, instead of redeeming inside a single programme by default.

AI recommendations

Personalised suggestions ranked by realistic redemption value, not by whichever partner is promoting hardest.

Live exchange rates

Transparent, continuously updated ratios with 90-day context so members can judge whether now is a good moment.

Transfer bonus campaigns

Limited-time uplifts from partner programmes surfaced automatically rather than discovered by accident.

Prevent points expiry

Proactive alerts when a balance approaches its expiry window, with concrete options to preserve the value.

Personalised opportunities

Recommendations shaped by travel patterns, redemption history and stated goals such as a specific destination.

Seamless experience

A single, consistent transfer journey regardless of how many partner platforms sit behind it.

Explore the member side of the concept in the digital wallet prototype or browse the wider experience walkthrough.

For operators

Benefits for loyalty operators

For the operator, exchange is a commercial lever. It increases the utility of the currency without surrendering control of pricing, partners or customer relationship.

Increased engagement

Interoperability gives members a reason to return between earning events, lifting active-member metrics.

Higher redemption activity

Movement of stranded balances converts dormant currency into redemption behaviour and measurable spend.

Additional partner value

Access a wider partner ecosystem through one integration instead of negotiating bilateral agreements individually.

Improved retention

A programme that visibly makes points more useful is markedly harder for a member to abandon.

API-first architecture

Designed around clean, versioned partner APIs so integration fits existing loyalty platform roadmaps.

Secure governance

Every exchange is policy-checked, permissioned and logged, with clear separation between brands.

Configurable exchange rules

Operators set direction, ratio, caps, eligibility and promotional windows for their own currency.

Scalable ecosystem growth

Adding a partner becomes a configuration exercise rather than a multi-quarter integration programme.

Optimisation

The AI optimisation engine

The prototype above shows a single exchange decision. Behind it sits a recommendation layer whose job is to answer a harder question: of every possible move across a member's portfolio, which one creates the most value, and is now the right moment to make it?

Decision support, not automation

Redemption optimisation is a comparison problem. Ratios differ by pair, promotional windows open and close, award availability shifts and every member values outcomes differently. The engine continuously evaluates these variables across the partner ecosystem and translates them into a short, explainable set of options.

Crucially, the AI never executes on a member's behalf. It surfaces the reasoning, the confidence and the trade-off, then hands the decision back to the person who owns the points.

  • Personalised recommendations

    Suggestions are ranked against a member's own balances, tier status and likely redemption intent.

  • Transfer timing

    The engine models whether transferring today beats waiting, based on rate history and campaign cadence.

  • Promotion discovery

    Bonus campaigns across the partner ecosystem are matched to eligible balances automatically.

  • Exchange value prediction

    Projected redemption value, not headline ratio, is used to compare competing exchange routes.

  • Expiry prevention

    Balances nearing expiry are prioritised so value is preserved before a deadline passes.

  • Confidence scoring

    Every recommendation carries an explicit confidence level so members can weigh certainty against upside.

  • Recommendation transparency

    Each suggestion explains the inputs behind it. The member decides; the engine only advises.

Enterprise architecture

How the layers fit together

The reference architecture is deliberately thin. LOYXN orchestrates and governs; it does not attempt to become the system of record for anyone's loyalty currency.

Customer wallet

Consent-based view of connected programmes, balances and available exchange opportunities.

LOYXN exchange layer

Rate discovery, recommendation, quoting and orchestration of every transfer request.

Partner APIs

Versioned, authenticated integration endpoints for balance checks, debits and credits.

Settlement & rules engine

Applies each operator's exchange policy, caps and pricing, then reconciles the movement.

Partner loyalty platforms

The systems of record where each brand's currency continues to be issued and held.

Illustrative scenario

An example customer journey

A concrete example of how discovery, recommendation and transfer come together in practice.

  1. Points approaching expiry

    A frequent traveller holds 25,000 airline points that will lapse within eight weeks. Nothing in the airline's own app flags a realistic way to use them.

  2. LOYXN detects an opportunity

    A limited-time transfer bonus opens between that airline programme and a hotel partner, temporarily improving the exchange ratio by 20%.

  3. AI recommends the exchange

    The engine compares waiting, redeeming domestically and transferring. It ranks the hotel transfer highest and shows the reasoning and confidence.

  4. The member transfers

    One confirmation moves the balance. The receiving programme credits the points and the transaction is written to an auditable record.

  5. More value than waiting

    The balance converts into two award nights instead of expiring unused, and both the airline and the hotel see a redemption event they would otherwise have missed.

Trust

Security and governance

Interoperability only works if every participant trusts the layer in the middle. Governance is therefore a design constraint, not a later hardening exercise.

Brands remain in control

No exchange happens that an operator has not explicitly enabled, priced and approved.

Configurable policies

Direction, ratios, minimums, caps, tier eligibility and campaign windows are all operator-defined.

Partner approval

Both sides of a pair opt in before a route becomes available to members.

Auditability

Every quote, decision and transfer is logged with an immutable trail for reconciliation and dispute handling.

API security

Authenticated, least-privilege integration with scoped tokens and no credential sharing between brands.

Customer consent

Members explicitly connect each programme and can revoke access at any time.

Privacy by design

Only the data required to quote and execute an exchange is processed, with clear retention boundaries.

Questions

Frequently asked questions

Partner with LOYXN

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We work with loyalty operators, retailers, travel programmes, hospitality brands and coalition partners exploring what a connected reward ecosystem could look like.

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