Next Genius Wallet is built as an integrated wallet where consumers can make payments and benefit from a competitive market of discounts and rewards. The main problem of the current reward system is that it is not integrated with payments and that the rewards are segregated with each merchants offering their own rewards. These two characters make it difficult for consumers to discover the rewards and discounts out there, spent rewards with other merchants, and thus limiting the possibilities of the ecosystem. Based on a cryptocurrency wallet, NG Wallet allows merchants to reach target customers by offering transferrable discount token on an openly accessible market. Consumers connect their wallet account to their means of payments, such as credit cards, third party payment services or cryptocurrencies in the future. Built to be an integrated system, the wallet allows consumers to discover discount & reward opportunities nearby, pay merchants and receive and manage their reward tokens. The reward tokens are customizable thus merchants can allow them to be redeemable across partner merchants, set spending limits and expiry dates. To incentivise merchants to offer discounts, the platform act as a market place by displaying a ranked list of discounts where the most related and heaviest discounts are recommended. To compete for the top spot, merchants are encouraged to offer heavier discounts, benefiting the consumers. Expand on the trend of open banking, wallet opportunity, partnerships, etc.