You can do that via blockchain as well; I imagine BK will own all the transaction processors, so for any transaction to an external wallet, you add on a fee. Et

You can do that via blockchain as well; I imagine BK will own all the transaction processors, so for any transaction to an external wallet, you add on a fee. Ethereum and Bitcoin also do this; only the mechanism for determining the transaction fee is algorithmic rather than a fixed % of the transaction value. All that said, loyalty points have a lot in common with crypto currencies simply from a functional perspective. It's a pretty natural application. You just merge the points back into the blockchain via an app or something. But this way it's secure, auditable and likely costs the company less to operate.