POINTS journal · products
Consumers (Phase 2)
Audience: Everyday people who will hold balances, earn rewards, and authorize agent-initiated spend.
Positioning: Coming in Phase 2, after our payment rails are proven.
Who
End users who may one day use smart checking, rewards exchange, and visibility into agent-initiated payments they authorized.
Job to be done
Hold and move everyday money with clear authorization when an agent acts on their behalf — once settlement and compliance are ready.
What Points offers now
No consumer products are available yet. Agent Pay and merchant tools come first.
What’s next (when Phase 2 opens)
- Smart checking
- Rewards exchange
- Consumer-facing spend visibility for agent-initiated payments they authorized
Dependencies (gates)
Proven ACH settlement · clear Operator + Merchant rails · compliance and funding model for consumer balances
How it works
Consumer products aren’t available yet, and there’s no waitlist today. If you’re building with agents now, start with AI Agents or Agent Operators.