For Customers
STOP PAYING FULL PRICE FOR EVERYTHING
A 6%+ Merchant Discount Every Time You Spend KAE At A Participating Merchant, Automatically At Checkout. A 4.5% Platform Transaction Fee Applies. Powered By Ai, Not Blockchain.
Every system is designed against you
Loyalty points expire. Vouchers get forgotten. Cashback takes months. You keep giving platforms your money and getting very little back. KAELUM inverts that model.
Points expire before you use them. They are tied to single stores. The value is always less than promised, and redemption is always complicated.
Cashback schemes make you wait weeks or months. The money leaves your pocket today. The reward, if it ever comes, is minimal and conditional.
Most reward systems lock you to one retailer or sector. Spending loyalty earns you nothing useful across the brands you actually use every day.
Card networks take a cut of every purchase and give you nothing back. KAE gives you a 6%+ merchant discount at the point of sale (4.5% platform transaction fee applies), every time you spend at a participating merchant.
Four steps. Instant savings.
KAELUM is built for simplicity. Buy KAE, spend at merchants, save money and earn rewards automatically. No apps to juggle, no codes to remember.
Purchase KAE at the fixed price. Your starting balance is 200 KAE (£40), active commerce capital from day one.
Pay with KAE at any participating merchant or Creator Paylink. Your 6%+ merchant discount is applied automatically at checkout, with the 4.5% platform transaction fee shown upfront. No codes. No vouchers. No delays.
KAEback lands instantly on your purchases, and active customers share in a quarterly reward funded from KAELUM's own platform fee.
KAEback and the Quarterly Participation Reward are earned through completed purchases, not by holding KAE. Rewards are paid as KAE you can spend with any KAELUM merchant.
Everything working in your favour
KAELUM stacks multiple benefits on every transaction. The discount is structural and immediate. Rewards build up as you use KAELUM.
Every time you pay with KAE at a participating merchant, you receive a 6%+ merchant discount on goods and services; a 4.5% platform transaction fee applies. Automatic at checkout. No steps to take.
Funded from 1.2% of every purchase taken from KAELUM's platform fee, never added to your price. Each quarter part of the pool is shared among active customers in proportion to their completed purchases.
Earn KAEback on qualifying purchases, credited instantly as KAE you can spend at any KAELUM merchant. KAELUM's rate rises with your activity tier, and merchants can add their own boosts on top.
Earn KAEback on every transaction at a participating merchant. KAEback is spend-only and circulates within the ecosystem.
KAE is fixed in price and does not rise or fall. No speculation, no volatility. Your value comes from the discount you receive when you spend, not from price movement.
How much could you save each year?
Adjust your estimated annual spending. Based on the minimum 6% merchant discount, less the 4.5% platform transaction fee you pay on the discounted price, plus KAEback at the base rate of 0.25%. Merchants offering higher discounts save you more. Quarterly rewards are discretionary and not included.
Shop more, get more KAEback
Your activity tier rises from Bronze to Diamond as you keep shopping with participating merchants and creators. Higher tiers get a higher KAEback rate, which KAELUM pays from its own platform fee. Merchants are never asked to give more than their own discount, and the size of your balance does not change your tier.
Where everyone starts. KAEback on qualifying purchases.
A higher KAEback rate, unlocked by continued shopping.
A higher KAEback rate, unlocked by continued shopping.
A higher KAEback rate, unlocked by continued shopping.
The highest KAEback rate, for the most active customers.
Sending KAE to other people
Spending KAE at merchants and Creator Paylinks is never limited, spend as much as you like. Sending KAE to another person is a peer-to-peer transfer, and transfers carry limits that keep every account safe from fraud and misuse. All amounts are shown in KAE.
| Customer account | Per transfer | Per day | Per 30 days |
|---|---|---|---|
| Unverified | 1,500 KAE | 3,000 KAE | 13,500 KAE |
| Verified | 4,500 KAE | 9,000 KAE | 18,000 KAE |
Verify your identity to move up to the higher limits. Daily limits reset each day; the 30-day limit is a rolling window. Paying a verified merchant or Creator is a purchase, not a transfer, and is never limited.
KAELUM vs Everything Else
Not a loyalty scheme. Not a gift card. Not a cryptocurrency. A structural commerce upgrade that applies every time you spend in the ecosystem.
| Feature | KAELUM KAE | Loyalty Points | Cashback Card | Gift Card |
|---|---|---|---|---|
| Instant discount at checkout | ✓ 6%+ (4.5% fee applies) | ✗ | ✗ Delayed | ✗ |
| Works at multiple merchants | ✓ | Sometimes | ✓ | ✗ One store |
| Quarterly reward distributions | ✓ | ✗ | ✗ | ✗ |
| Balance expires | ✓ Never | ✗ Often | Sometimes | Sometimes |
| Fixed price | ✓ Fixed | ✗ | ✗ | ✗ |
| Closed-loop design (our view: within the EMR 2011 exclusion) | ✓ | ✗ | ✗ | ✗ |
Everything you need to know
Make every purchase count.
Join KAELUM and get a 6%+ merchant discount every time you shop (4.5% platform transaction fee applies). It takes minutes to get started with just £40 in starting balance.
Create Your AccountKAELUM ('Kay-Lum') is a Closed-Loop, Non-Crypto, Agentic Ai-Native Digital Commerce Currency Platform designed for commerce, not speculation. Spend KAE at partnered Merchants or Creators and unlock a 6%+ merchant discount; a 4.5% platform transaction fee applies. KAELUM Technologies Ltd, England & Wales No. 16681154.