Credits come back in installments, not all at once Regulars receive their credits in 6-month increments — giving them more reasons to return over time, and spreading your fulfillment across visits you're already making money on.

Credits never expire — fulfillment happens steadily over time There's no cliff. Redemptions trickle in as Regulars come back naturally, not in a single burst at month six.

You're paying back your best customers — not a bank Instead of repaying a loan with cash and interest, you're fulfilling credits with goods and services to the people who already chose you. The cost of that is your COGS, not your margin.