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Commerce tech platform seQura’s Smart Shopping app pairs flexible payments and purchase control with Bitcoin (BTC) cashback sent directly to users’ wallets.
For years, loyalty has meant collecting points that vanish, coupons that only work in one store and generic discounts disguised as exclusive offers. The model kept shoppers inside closed loops but rarely delivered lasting value.
As e-commerce matured and budgets tightened, fatigue set in. People want incentives that are transferable rather than points that reset every season. Retailers feel it, too. Short-term promotions spike sales but don’t build trust, and one-size-fits-all installment offers don’t solve loyalty’s deeper problem: there’s no tangible reward on the customer’s side of the ledger.
Instead of expiring points, some programs are testing incentives that exist outside a single brand’s ecosystem. That’s the backdrop for commerce tech platform seQura’s Smart Shopping model, which blends flexible payments, purchase control and a Bitcoin-based cashback system across retail and travel.
From points to property
The logic behind asset-based incentives is simple: give shoppers something they actually own. seQura’s program offers up to 15% BTC cashback at participating brands, with rewards sent to the user’s own wallet after the return period ends, subject to applicable terms.
It’s designed to be hands-off for the company and transparent for the customer. There is no in-app custody, no countdown clocks and no incentives dependent on a single retailer.
The incentives program is built into a broader shopping app used by over 3 million people. seQura’s network spans more than 6,000 merchants for payments, where shoppers can pay now, split purchases into three interest-free installments, or extend payments across longer plans, depending on merchant terms.
A free buyer-protection feature is designed to cover eligible purchases up to 500 euros for 30 days against certain payment and return incidents, subject to defined limits.
Flexibility, control and real-value incentives
The Smart Shopping experience is positioned around user control. Purchases, plans and timelines live in one place, so users can delay a payment, change an installment plan or track orders without jumping between retailer portals. This utility was solidified in November with the official launch of the dedicated shopper app, a redesigned interface and the full rollout of the BTC incentives system.
The platform is now turning its attention to discovery, having recently released the beta version of its AI shopping assistant designed to help users discover products associated with cashback offers and available payment options.
On Dec. 1, the platform’s travel vertical, SQ Travel, added flights and hotels to the same framework. The update brought flexible payments and cashback into a category where timing, cancellations and refunds are common pain points. The roadmap extends into 2026 with planned Lightning Network support intended to improve the efficiency of smaller BTC payouts.
Loyalty designed to retain value over time
At its core, this shift is about what loyalty represents. In seQura’s words: “The next evolution of loyalty is built on real value, and Bitcoin is one path to achieving it. It offers a non-points-based reward structure that the company says is designed to better align incentives between consumers and merchants.”
None of this guarantees habit change on its own. But the pieces are pragmatic: one app, protections that matter and incentives that don’t evaporate.
If value-sharing models like seQura gain traction, retailers may lean less on coupons and more on incentives that stand on their own. And shoppers, especially those already comfortable with digital wallets, could see loyalty move from a marketing line item to something that lives in their pocket.
Disclaimer.This content is part of a paid partnership. The text below is a sponsored article that is not part of Cointelegraph.com editorial content. The material is written by our advertorial team and has undergone editorial review to ensure clarity and relevance, it may not reflect the views and opinions of Cointelegraph.com. Readers are encouraged to conduct their own research before taking any actions related to the company. Disclosure.
