Paycrebit is a startup that aims to innovate the loyalty management sector, with the target of offering small entrepreneurs in local commerce the same digital tools used by large retailers and online sales platforms; and with the intent, at the same time, to implement the purchasing power of consumers and families. Paycrebit "Loyalty-Wallet" Mobile APP: Discount-credit tokens "Reward Network" and “Swap-Room” for loyalty-points barter. Mobile APP that offers an innovative digital "Loyalty-Wallet", connected to a "Reward Network", which rewards customer loyalty with discount-credit tokens to curtail from the expense; and a "Swap-Room" for the barter of loyalty points, coupons and non-financial values between users. _ Startup _ The Paycrebit loyalty program management system allows retail stores to engage customers by rewarding them with digital discount-credit tokens that can be discounted from the expense and to promote the business through smart marketing. The "Loyalty Wallet" allows users to save money on shopping in neighborhood stores and to optimize the value of the big brands loyalty points they already owned, by bartering points with other users.