Siloed vaults
One on-chain vault per account. Your balances, freezes, and fees never mix with another programme.
Safe harbour for stablecoin rewards
CoinHarbour
For retailers, banks, and loyalty programmes. A stablecoin reward programme your customers can actually redeem, outside closed affiliate networks, settled in USDC or USDT.
The problem we solve
Traditional points programmes trap value inside proprietary rails. Customers cannot move rewards freely; finance teams cannot see on-chain settlement; integrators rebuild the same voucher logic for every brand. CoinHarbour is an open rewards rail: you fund a siloed escrow, allocate points through a REST API, and redeem with issued claim codes, without requiring end users to visit our site or complete KYC with us.
How the programme works
- Create your account. Sign up with a company email and password. You land in sandbox immediately with a virtual 100 USDC escrow and your first API key. Live vaults are activated when you are ready to fund real stablecoin.
- Fund escrow. Transfer stablecoin on-chain, or settle via bank/EFT. After reconciliation, usable reward capital is credited to your vault (see programme costs below).
- Allocate rewards. Create customers and credit points against escrow solvency. Every movement is append-only in your ledger. There is no charge for allocating points.
- Redeem with claim codes. Issue high-entropy codes to customers or partners. Redemption via API pays USDC/USDT to a wallet. Network gas is sponsored by us and recovered from your escrow as a usage cost.
Your company account
One account per business, signed in with email and password. That account owns the vault, ledger, and API keys. You create and revoke named keys yourself. Give each developer or system its own key instead of extra logins. An engineer can also mint a sandbox key without a company account if they only need to test the API.
Sandbox uses the same endpoints as live. Customers, points, claim codes, and webhooks all work. Escrow is a virtual 100 USDC balance in the database. Nothing is transferred on-chain until you go live and fund a real vault.
Why businesses choose CoinHarbour
API-first
No consumer app to white-label. Integrate customers, credits, and claims into your existing CRM or POS stack.
Sandbox before live
Instant test keys with virtual escrow. Validate the full flow before funding mainnet.
Audit-ready ledger
Credits, programme costs, and withdrawals are recorded and reconciled to chain. Finance and risk stay in the loop.
Programme costs: who pays what
We describe these as costs, not hidden platform fees. Industry context: headless loyalty rails often charge about 2% of loyalty value issued or redeemed; affiliate networks commonly add a 2–5% transaction / override plus monthly platform fees, on top of publisher commissions (often 5–20% of sale). CoinHarbour keeps the split simple: businesses fund rewards and pay rail costs; end customers are not billed by us.
| Cost | Paid by | Default rate | When it applies |
|---|---|---|---|
| Funding cost Portion of each top-up that covers operating the rail (vault, ledger, compliance tooling). | Account | 5% of gross deposit | When you fund escrow (on-chain or EFT). Example: fund 100 USDC → 95 USDC usable for rewards. |
| Redemption processing Usage cost on each successful claim payout. | Account (from escrow) | 0.5% of payout | When a claim is paid. Charged to the programme vault on top of face value. The customer still receives the full reward. |
| Network gas recovery On-chain transaction cost we front in native gas, recovered in USDC/USDT. | Account (from escrow) | At cost (stablecoin) | Each on-chain redeem / credit relay. Customers still receive rewards without holding MATIC/ETH. |
| Reward value itself The points / USDC you choose to grant customers. | Account | You set the budget | When you credit points. This is your loyalty spend, not a CoinHarbour charge. |
| End-customer charges | None from CoinHarbour | R0 / $0 | Customers redeem with your claim code. They are not charged a CoinHarbour account fee, subscription, or redemption surcharge by us. Wallet amount = full claim value. Redemption processing and gas recovery are extra, taken from your vault. |
Defaults above are the current product configuration and can be set per account at activation. There is no separate monthly software fee. Costs scale with funding and redemptions, closer to loyalty-rail usage pricing than affiliate network retainers.
Ready to open your rewards rail?
Create an account for the business console, or let engineering take an API-only sandbox key first.