Retail chains, coffee networks, universities, gyms, resorts, and campus ecosystems all share the same challenge: traditional acquiring fees eat margin, settlement is slow, and loyalty programs live separately from payments. NAKA enables partners to build a closed-loop payment system powered by stablecoin rails, where transactions settle instantly, fees collapse, and user experience remains completely familiar - FIAT, tap, QR, or in-app.
Never need to know they're using digital assets
Speed, low cost, and new programmable capabilities
Full control of the payment ecosystem
A closed-loop system connects three components under your control
Crypto Rails. Familiar UX. Completely Hidden.
Customers do not need to understand crypto, hold private keys, or manage stablecoins. The digital asset infrastructure is invisible. The experience feels exactly like a modern stored-value system - just far more efficient.
Behind the Scenes
Users top up through on-ramp partners: bank transfer, card top-up, cash-in
Funds convert to USD₮ or your chosen digital token automatically
NAKA Rail handles settlement instantly and updates balances on the spot
What Users See
NAKA POS Terminals: The Operating System of Your Loop
NAKA's Holistic POS terminals support both closed-loop token or stablecoin payments and traditional FIAT acceptance. This allows your merchants to operate one device for all payment flows.
Instant settlement inside your ecosystem
No waiting for batch processing or bank transfers
No MDR or acquiring fees
Keep more revenue in your ecosystem
Consistent performance even during peak hours
Always-on operations with no downtime
Unified reporting for all transactions
In-store and online payments in one dashboard
Integrated loyalty and rewards
Apply rewards directly at point of payment
Closed-loop systems are not new - but until now, they required either prepaid cards or fragmented payment methods. Stablecoins change the equation.
A Powerful Loyalty Engine Built Into the Payments
When the entire payment flow sits on programmable rails, loyalty stops being an add-on and becomes part of the payment logic itself.
You can design:
Auto-applied discounts
Tokenized rewards
Cashback in stablecoins
Balance multipliers for VIP tiers
Family or shared wallets across multiple users
Subscription-based perks or passes
Every transaction becomes an opportunity to deepen user engagement.
Closed-loop payments are ideal for your venues. But your users may still want universal acceptance. NAKA allows you to embed Visa Rail into the same app and card.
NAKA Rail
For in-loop transactions
Pay inside your ecosystem (low cost, instant)
Instant settlement on NAKA rail
Near-zero transaction fees
Programmable loyalty integration
Visa Rail
For out-of-loop spend
Pay everywhere else (global acceptance)
Millions of merchants worldwide
Online and in-store acceptance
Familiar user experience
NAKA adapts to the infrastructure you already have. This gives retailers every path - from light integration to fully custom.
Use Your Existing App
If you already operate a loyalty or payment-enabled app
NAKA integrates directly into your user balance
POS terminals sync with your existing flows
On-ramp partners support seamless balance top-ups
Add Payments to a Non- Payments App
If you have an app without payments
NAKA provides an acceptance SDK
We connect to your on-ramp provider
Launch full closed-loop wallet without building from scratch
White-Label Wallet
If you don't have an app at all
NAKA offers a branded wallet environment
Includes top-ups, rewards, POS integration
Full settlement logic included
Your team avoids the overhead typically associated with card programs, because NAKA manages:
