Live
Loyalty that quietly stacks up
Every eligible SOTCoin payment adds points to your wallet, ready to spend on top-ups, vouchers, and partner perks.
Points that actually mean something
Earn on every payment
Top-ups, transfers, and merchant payments all earn points automatically.
Redeem for credit
Cash points back as mobile credit on any of the three Timor networks.
Vouchers and gifts
Trade points for digital vouchers from SOTCoin merchants.
Partner deals
Unlock exclusive offers from partners across the Oftimor ecosystem.
Tier up over time
The more you use SOTCoin, the better the rewards you unlock.
In your wallet
Points sit beside your USD balance — no extra app, no extra login.
What earns points
A short list, with no surprises.
You earn points when you pay a SOTCoin merchant, when you top up a phone, when you receive a qualifying payment, and when you send money internationally through our partners. You don’t earn on in-network transfers between friends or family — those are always free and instant, no points needed. Open the Rewards tab to see your live balance and the multipliers active this month.
Earn, see, spend
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Earn
Every eligible transaction adds points to your wallet automatically. -
See
Your points balance is visible right next to your USD balance in the app. -
Spend
Tap Rewards to browse what you can redeem for, then check out in one tap.
Vouchers & Gift Cards
Turn your points into something a friend or family member can spend.
Bank Account
Your points and your dollars share the same home screen.
Common questions
Do points expire?
Your points stay valid as long as your account is active. If a specific reward has a time-limit, we tell you well in advance.
Can I transfer points to someone else?
Points are tied to your account today. Sharing options are something we’re exploring for the future.
Where can I see what I've earned?
Open the Rewards tab to view your balance, see your history, and browse what you can redeem.
Is there a tier system?
Yes. The more you transact, the more multipliers and partner perks unlock. The next tier and what it offers is always visible.
Get more out of every payment.
Same money — only now it works a little harder.