<p>This week on Commerce Code, we speak with Keith Smith, Chief Executive Officer of <a target="_blank" rel="noopener noreferrer" href="https://payoutsnetwork.com/"><strong>Payouts Network</strong></a>. Payouts Network’s <a target="_blank" rel="noopener noreferrer" href="https://payoutsnetwork.com/platform"><strong>PayNow Platform</strong></a> executes instant payouts, digital credits, and pay with points - and as the name suggests, PayNow executes immediately. </p><p></p><p>Today, we talk with Keith about Points as Programmable Currency. We have lived in a long period in which people, Americans especially, never questioned or even really thought much about what currency is, how it works or whether it might change. A big-picture view suggests that currency can be lots of things - and it’s not ridiculous to think that the next step in currency evolution could come out of the points/rewards/loyalty landscape.</p>