Maxonrow can serve as an alternative currency to traditional fiat currencies. Using Maxonrow to host your Prepaid Balance system requires much lower infrastructure and operating costs (systems, staff, etc.) with comparable or even superior reliability and security. For businesses with significant cash flow, the implementation costs are much lower.

Coffee Shop Chain Prepaid wallet

Consumers pay periodic (weekly/monthly) amounts of fiat (or crypto) in order to purchase CoffeeCoins which can be used to purchase Coffee Shop products from within the Coffee Shop’s various retail locations.Purchasing with CoffeeCoins is more convenient than cash and the savings that CoffeeCoin realizes in transaction fees is shared with the consumer through reduced pricing on transactions using the CoffeeCoin.

  • Credit/Debit transactions incur per transaction and percentage of value fees.
  • Token systems can have much lower per-transaction fees. Percentage of value fees are identical (a wash) since the user will likely use a credit/debit card to purchase tokens. Evaluation of any Prepaid Balances implementation must include this as part of the cost/benefit analysis.
  • If a given consumer normally transact 10 times per week and using the new system only uses one fiat transaction (credit/debit) every two weeks, then they reduce their per-transaction fees by 95% (1 fiat fee per 20 transactions instead of 20 fiat fees per 20 transactions)
  • Additional value can be extracted through the locked-in nature of CoffeeCoins – the company has the money, whether the consumer spends it or not; and the treasury value of the unspent fiat.

Loyalty Programs

Loyalty programs requires consumers to collect “points” based on purchasing activity with a specific business that can later be used to purchase specific value from that business. Maxonrow can help reduce costs for similar and/or superior infrastructure while allowing for more flexibility in ecosystem building around the program without the expense of integrations.

This form of currency assumes that the tokens (points) are awarded via either a POS system or a mobile application where the consumer identifies their Loyalty Program identity at the point of sale.Transaction volumes for the specific business model must be within Maxonrow infrastructure capabilities.

We have tested this approach with ALLN, and it could be applied to other airlines.

Airline Travel Points System

  • The consumer presents their “wallet” or identifies their Account Number to the Airline Ticket Vendor at the point of purchase. Based on the size of the transaction, the system mints a commensurate number of tokens and transfers them to the consumers “wallet”
  • The consumer has access to a list of items/services that can be purchased with these tokens, including “free” air travel. When the total number of tokens exceeds the “price” of a given reward product, the consumer can spend their tokens to get the product.


  • Existing Loyalty Points systems are more expensive than the Maxonrow platform in terms of both implementation and operation.
  • Leveraging the Maxonrow infrastructure means less expense in creating/maintaining mobile apps to support the program – they can leverage the existing MAX Wallet application.
  • Leveraging the fungibility of tokens, the business can (if they so choose) allow their tokens to be tradable and exchangeable with other tokens, providing arbitrage opportunities for further profit.