Decal Stored Value: Delivering Users & Revenue

Loyalty programs sometimes feel like a necessary evil: expensive to run, difficult to track, and rarely delivering the repeat business they promise.

What if loyalty could be simpler? What if it could drive repeat visits AND real revenue – without the overhead, the complexity, or the middlemen?

Meet Decal's Stored Value, a modern take on an age-old idea: letting customers preload a balance with your business and rewarding them for doing so.

The secret sauce? We built Stored Value on stablecoin rails, featuring instant settlement and high yields to turn your loyalty program into a profit center.

With Stored Value, your customers can add digital cash to their “wallet” for your store – online or in-person – giving you immediate revenue and guaranteed return visits. Every top-up becomes a pre-commitment to future spending with you. And the digital cash you hold for them? It earns juicy stablecoin yields every second it's in your account.

Why merchants love Stored Value

1. Zero payment-processing fees

These balances settle on-chain, meaning you avoid traditional interchange fees entirely. Customers spend from their prepaid balance, and you keep more of every dollar.

2. Guaranteed loyalty

When customers preload $50, $100, or more, they're telling you they'll be back. Stored Value outperforms traditional points-based loyalty because it creates a financial incentive to return – not just a theoretical one.

3. Instant settlement & high yields with stablecoins

Funds settle immediately to your merchant wallet. No waiting on processors, no payout delays, no multi-day uncertainty. Meanwhile, Decal ensures you're earning high interest that can be put to work for your business or used to reward and incentivize your customers.

4. Flexible rewards that cost you less

Bonus credits (e.g., “Buy $100, get $10 free”) let you incentivize top-ups at far lower cost than discounting SKU margins or running promo codes.

Turn customers into committed regulars

Stored Value isn't just another loyalty feature, it's a revenue-generating engine. Faster cash flow, lower fees, high yields, and guaranteed repeat business. Merchants win, customers win, and you finally get a loyalty program that pays for itself.