Value & Wallet
Merchant-funded value, spendable at the merchant.
IP Cash is the value primitive: merchant-funded, spendable at the participating business, always reconciled. No cash-out, no bank payout, no ambiguity.
IP Cash primitive
One value type, one ledger, one reconciliation model.
Holds and settlement
Value is held on issue and settled on redemption — never floated.
Merchant-funded, always
The merchant funds the value. The platform never subsidizes redemption.
Daily reconciliation
Issued vs. redeemed vs. expired — reconciled and exportable.
What IP Cash is not
It is not points, and it is not a bank payout.
Points are debt. Bank payouts are a cash-out surface we intentionally do not offer.
IP Cash is spendable value the customer can actually use at a participating merchant — and that the merchant can actually price.
- No cash-out UI, ever
- No expiration surprises — expiry is a merchant policy
- Reconciled daily; no floated balances
Ship value your customers can actually use.
Design a measured pilot with IP Cash as the settlement primitive.