Gabro creates liquidity for these idle points by allowing points to be freely exchanged in a decentralized ecosystem. These complicated terms and conditions and exchange rate could be written with smart contract, the issuance and redemption history could be written into the distributed ledger to ensure it’s immutable. The data can be used to analyze behavior and the wallet becomes the tool for users to manage their multi-loyalty points but it also becomes the direct marketing channel to target customers. Our pre-paid card becomes a means to spend their idle loyalty points