The world is full of points and miles. Every company we face runs a loyalty program utilizing points. These point markets are worth more than 300 billion dollars and grow at 6% per year. However, it means that there are as many different types of points as there are many businesses around the world. Desperately, this makes it difficult for customers to manage and utilize their points. Even for businesses, the unused points result in the lower-than-expected performance of their loyalty programs and increase their debt in a negative way.