Beyond the Churn: How Deconstructing Credit Card Points Led to a Self-Amortizing Economy
It started with a simple systems-architecture question: how do credit card points, airline miles, and Reddit’s r/churning hacks actually work on a bank’s balance sheet? Tracing that mechanism revealed a massive structural secret—that transaction velocity can fund real-time rebates—and inspired the core breakthrough of Intangible Technologies: expanding 'points physics' across every loan, mortgage, and asset on Earth while empowering any business to run native, zero-fee loyalty ecosystems.