The Loyalty Market Opportunity.

Closed coupons & points systems are issued, controlled, and limited by the company. You can usually only spend points in one place, under one set of rules. They’re static, non-transferable, and can disappear the moment the company changes its terms, shuts down the programme, or expires your balance. Ultimately they benefit the company more than you. Yet, if Web3 taught us anything, it is that retail users want deeper, more meaningful relationships with the projects they use & love. They want to belong, participate & grow together. It’s the difference between building a community and having fans. We believe the era of transactional loyalty points & coupons is ending. We’re entering the era of reflexive loyalty between communities & brands.And the potential scale of outdated consumer loyalty is staggering.

• Over $200 billion worth of loyalty points are issued globally each year.

• 60% of these points go unused, representing tens of billions in lost value annually.

• Programs like AmEx Rewards and Starbucks Stars show how loyalty can become a financial product in itself effectively turning consumers into unpaid creditors.

Nomu introduces a new paradigm: open, liquid, and composable loyalty, where rewards are no longer static points, but on-chain assets that carry real, transferable value.This model transforms spending into participation, and participation into potential earnings.

We call this Spend-to-Earn.

Every purchase becomes an act of co-creation. When a product sells successfully, a portion of that success flows back to the community who made it happen. Over time, this creates reflexive economic loops between brands and customers; a shared incentive to grow together.For brands, Spend-to-Earn unlocks:

• Deeper retention and advocacy, turning customers into micro-ambassadors.

• Faster go-to-market cycles, with community-funded preorders that validate demand.

• Capital efficiency, by replacing costly ad spend with participatory reward mechanics.

For consumers, it means:

• Real economic alignment with their favorite brands.

• Exposure to upside, not just discounts.

• A new relationship from client to brand co-creator.

Spend-to-Earn turns the act of consumption into an investment in the future of the products you believe in. Nomu is building the infrastructure to power this shift, a marketplace where every transaction is reflexive, and every spend can earn.