Earn to burn

From a grocery run to a hotel key.

One loop, end to end. What the household already spends, how each partner multiplies it, where it pools, what governs it while it sits there, and the twelve-month window that makes sure it becomes a trip instead of a rounding error.

Follow the loop Explore the demo

รวมกันคุ้มกว่า · Worth More Together

Follow the points

Why the loop matters

Most loyalty points are earned and then quietly lost.

A single-brand balance is usually too small to reach its own redemption threshold, so it waits until it expires. Pooling is not a nicer way to earn — it is the only way the points a household already has become large enough to spend.

5 balances, one household

Five programmes, five separate ledgers. Each one on its own is short of anything worth having.

48,260 points, counted once

The same points, in one place. This is the Somsri family in the demo — 12,400 plus 18,100 plus 17,760, and nothing new spent to get there.

1 goal that is actually reachable

A family stay none of the five balances could have paid for separately. That is the whole argument.

The figures above are the demo household’s own numbers, shown so the arithmetic is visible rather than asserted. This concept publishes no market statistics: the industry estimates usually quoted here are not independently verifiable, so they are left out.

The loop

Earn, pool, hold, burn — then start again.

Six moves take a 40-baht ride and turn it into a night in a hotel. Scroll to follow the points through each one.

01 · Earn

Nothing new to spend.

The loop starts with the week the household already has: Nan’s grocery run, Wit’s phone bill, Ploy’s commute, a Sunday meal out. Each partner applies its own multiplier at the till, so ordinary spend arrives already boosted.

  • 3×Lotus’s — every grocery and Go Fresh run
  • 2×BTS — with LINK set as the default Rabbit route
  • 1×+AIS — a monthly stream from mobile and fibre bills
  • 1×+iBerry — boosted on family dining
  • 1×+IHG — earns on stays, and is the Year-1 redemption destination

02 · Stream

Five trickles become one current.

On its own, a commute earns a rounding error. The reason micro-rewards get abandoned is not that people don’t care — it is that no single balance ever gets big enough to be worth an evening of admin. Streamed into one destination, the same spend reads as progress you can watch.

03 · Pool

One shared balance the whole household can see.

Every contribution lands in the family pool, with the contributor’s name on it. The number climbing is the product: visible progress is progress a family keeps feeding, and each member still owns their own points until they approve a transfer.

04 · Hold

A boundary, so pooling is safe.

Shared money needs rules before it needs features. One admin holds the account, there is no minimum to clear, pooled value does not quietly age out — and pulling points back out of the pool deliberately costs nine tenths of their value, so the pool is not something one person can raid on a whim.

05 · Window

Twelve months, by design.

Pooled points carry a twelve-month burn window, visible from day one. It is a forcing function rather than a trap: the pilot is built so value gets used while it still means something, instead of being hoarded until it lapses the way isolated balances do today.

06 · Burn

The pool becomes a stay.

At the end of the window the balance converts into an IHG reward pass — a family night at InterContinental, Kimpton, Crowne Plaza or Holiday Inn, with on-site dining and upgrades attached. Then the loop closes, because the trip is the reason next week’s grocery run counts.

48,260 points pooled · illustrative Month 12 of 12

IHG reward pass ฿5,000 · illustrative

Where the streams start

Five programmes the household already uses.

The Year-1 pilot concept deliberately picks the places a Bangkok family passes through in a normal week, so nobody has to change how they spend.

Partner names and marks are third-party trademarks shown for identification in an academic pilot concept. No endorsement or affiliation is implied. See the partners page for what each programme contributes.

Account governance

The rules that hold the pool.

Pooling other people’s value only works if the constraints are boring and stated up front. These are the pilot’s five.

One admin per account
A single household member holds the account and its settings. In practice that is often the Gen Z activator who set the pool up — the person everyone already asks for help. Contributors keep approval rights over their own points.
No minimum thresholds
Any amount can be contributed. Removing the per-programme redemption floor is the whole point: it is the floor that strands small balances in the first place.
Continuous value
Once points are pooled they stop ageing out on five different partner clocks. The pool has one clock — the burn window below — instead of five invisible ones.
One-tenth withdrawal
Points can be pulled back out of the pool, but they return at a tenth of their pooled value. The penalty is deliberate and disclosed: it protects a shared goal from being dismantled by one member on a quiet Tuesday.
Twelve-month burn window
Each pool runs on a twelve-month cycle, visible from the day it opens. It converts to a reward before it lapses, which is the opposite of how isolated points behave today.

Pilot mechanics are illustrative for an academic concept; final partner terms would differ.

The burn

One goal for Year 1, so it stays real.

The pilot points everything at one redemption for its first year: an IHG family stay. A pool that could become anything becomes nothing; a pool with a named destination is something a household actually finishes. Later years widen the list — Year 1 does not.

  • InterContinental
  • Kimpton Maa-Lai Bangkok
  • Crowne Plaza
  • Holiday Inn & Holiday Inn Express
  • Hotel Indigo
  • On-site dining and room upgrades

See the same loop as a product.

The demo walks Connect → Pool → Use together in the interface, with the consent step the governance rules describe.

Explore the demo How LINK works
A shared meal — the kind of everyday spend that feeds the pool.