Current closed-loop test rewards
Points are experimental platform rewards, separate from transferable crypto, fiat, blockchain test units and local game credits. They have no promised monetary value in this release. Points sales, public market pricing, cash redemption, peer-to-peer transfers, crypto conversion and holder income rights are disabled. No interest, dividend, ownership stake, deposit protection or guaranteed appreciation is offered.
Qualifying verified work can earn Points under the current reward policy. Account balances start at zero. Spending reserves or uses eligible Points for a supported test service. Verified fulfilment can credit a supplier's internal Points balance; refunds of eligible held Points return them to the buyer. Redeemed service Points may enter the work-reward treasury and later recirculate. Moving Points between these states is not a cash supplier payout or proof of liquidity.
Proposed research funding calculation
The planning calculator deducts recorded costs, refunds, paid taxes, unpaid tax reserves, matching-period annual business costs and committed liabilities from settled research sales. Available funding is floored at zero; it is multiplied by your proposed loyalty allocation and divided by total issued Points, including held balances and the reward treasury. Zero supply gives N/A.
This is a scenario, not an enforceable price, a reserve audit or a claim against research income. Saved accounts are owner-entered; no bank connection verifies liquidity. Personal expenses are not automatically allowable deductions, and taxes/costs must not be counted twice. Taxes and individual reporting need appropriate assessment. Calling this a loyalty share or utility token cannot decide the legal outcome. FCA perimeter guidance.
Fair treatment and future changes
Do not manipulate balances, exploit duplicate rewards or claim real-money value for test Points. Disputed contributions or fulfilment should be reviewed on evidence. This draft does not permit arbitrary confiscation, removal of mandatory consumer remedies or retroactive conversion into an investment. Any future expiry, fees, purchased balances, cash rights or transferable token must be explained and assessed before introduction; no such rights arise merely because this page changes. Purchased-value protections would need separate terms and implementation.
A wide third-party marketplace also needs an appropriate payments/e-money analysis. Closed-loop terminology alone does not establish a limited-network exclusion. FCA limited-network guidance.