It rewards users with 2% back in Popcoins on every UPI transaction; these Popcoins can only be redeemed within the POP ecosystem to buy products from partnered D2C brands, which is an inherently closed loop and limits the utility of the Popcoins themselves. This leaves users often no choice but to buy products within the app, potentially at a higher price point, thus cancelling out any savings perceived. Unlike the more flexible traditional rewards systems that allow cash redemption, Popcoins offer neither real money nor convenience that saves consumers for a real bottom line.