Paying for coffee or converting crypto may soon come with more than just convenience, as Coins.ph rolls out a new rewards program aimed at incentivizing everyday financial activity.
Starting April 15, 2026, the Philippine-based digital asset exchange and mobile wallet is introducing a system that allows users to earn points from routine transactions — such as QR payments and crypto trades — which can then be redeemed for food and lifestyle vouchers.
The initiative is powered by Share Treats, linking digital financial activity with real-world consumer perks.
The rollout will initially target new users, with access for existing customers expected to follow in the coming weeks.
Turning transactions into incentives
Amira Alawi, Global Marketing Director at Coins.ph
The program reflects a broader trend among fintech platforms to deepen user engagement by embedding rewards into financial behavior. Within the Coins.ph app and web platform, users can earn points by completing specific activities, including QRPH payments and crypto conversions.
These points can then be exchanged for vouchers, positioning the platform not just as a financial tool, but as part of users’ daily consumption habits.
“This new rewards system is the first iteration in incentivizing and gamifying user loyalty,” said Amira Alawi, Global Marketing Director at Coins.ph. “By turning everyday financial habits into tangible rewards, we’re making sure that every interaction on Coins.ph adds real-world value.”
Gamified onboarding and engagement
A key feature of the rollout is its gamified onboarding process, designed to encourage early and consistent usage.
New users who complete account verification within their first 14 days unlock a “7-day welcome streak,” which rewards daily app engagement with points. These points can contribute toward immediate rewards or be accumulated over time.
Beyond onboarding, the app introduces a “Rewards Hub,” where users receive personalized tasks based on their activity. These include making QRPH payments at participating merchants or converting digital assets such as USDC into Philippine pesos.
Additional tasks are unlocked as users complete initial activities, creating a continuous loop of engagement.
Flexible rewards amid growing competition
Coins.ph noted that earned points remain valid for up to one year, giving users flexibility to redeem smaller rewards quickly or save for larger incentives.
The launch comes as fintech platforms in the Philippines increasingly compete on user retention, not just functionality. Rewards-driven engagement models — long common in e-commerce and traditional banking — are now being adapted to digital wallets and crypto platforms.
By tying financial transactions to everyday perks, Coins.ph is positioning itself within a growing segment of fintech that blends payments, digital assets, and lifestyle incentives into a single ecosystem.
Expanding the role of digital wallets
Beyond rewards, the move signals how platforms like Coins.ph are evolving into broader financial ecosystems. The company offers services ranging from payments and remittances to digital asset trading and currency conversion, alongside emerging offerings such as cards, credit, and investments.
As competition intensifies, features that bridge digital finance with real-world utility— such as rewards and merchant integrations — are becoming central to how platforms differentiate themselves.
With its latest rollout, Coins.ph is betting that turning everyday transactions into tangible perks can drive deeper engagement in an increasingly crowded fintech landscape.
