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Loyalty Club PLC
TEDS wallet & funding

Understanding TEDS as a partner

You purchase TEDS to fund the wallet that pays out when customers exchange stamps or rewards.

3 min readUpdated 1 May 2026

TEDS — Token Exchange Digital System — is the network token used for the loyalty programmes. As a partner, you participate by enabling TEDS on a campaign and funding a wallet that handles the payouts. This article walks through what that means in practice.

The core mechanic

When TEDS is enabled on one of your campaigns, customers can:

  • Exchange a stamp for TEDS — a customer trades a single stamp for TEDS from your wallet.
  • Exchange a completed reward for TEDS — a customer trades a completed-card reward for TEDS from your wallet.

Both transactions debit your TEDS wallet. The customer receives TEDS into theirs.

Customers can also:

  • Purchase a stamp from you using their TEDS — they spend TEDS earned elsewhere on your campaign. Your wallet earns the TEDS as income.

Your wallet

The wallet is split internally into two pieces:

  • tedsBalance — settled TEDS you can spend immediately.
  • madTedsBalance — TEDS earned via stamp / reward purchases (income from customers spending their TEDS at you), not yet fully settled.

The wallet UI displays the sum of both as a single "Available Balance" number. The breakdown isn’t shown separately in the wallet view.

The transaction history (/teds/transactions) does distinguish the underlying transaction types — see Available vs pending TEDS balance for the full picture.

Pending exchanges

If a customer attempts a stamp- or reward-exchange and your TEDS wallet is insufficient to cover it, the transaction enters a pending state — stamp-exchange-pending or reward-exchange-pending. The wallet’s transaction history surfaces these with a tooltip:

"Customer exchanged a stamp, but the transaction is pending because your TEDS balance is insufficient. Please top up your TEDS to complete the exchange."

Top up to clear pending exchanges. See the 5-day pending and suspended state for the broader context.

Topping up

Top-ups happen via the Purchase TEDS flow at /teds/purchase. Packages are fetched from the backend dynamically — the available amounts and prices appear on the page when you load it. See Topping up your TEDS wallet.

What we don’t document precisely yet

  • Exact pricing of TEDS packages — these are dynamic and depend on what the backend serves, so we don’t hardcode them in this article. Open the page to see what’s currently offered.
  • Time-bounded clearance of pending exchanges — the wallet UI doesn’t show a specific deadline for pending exchanges to clear; the prompt is just "please top up to complete the exchange".
  • Exact split / fee model on TEDS conversions — not spelled out in the visible UI; ask us if you need precise numbers.

In one sentence

Partners fund a TEDS wallet that pays out when customers exchange stamps or rewards into TEDS. If the wallet is short, the exchange goes pending until you top up.

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