YOA utilizes blockchain technology to make the points issued by offline chain stores and stores transparent, that is, offline chain stores can self issue tokens, achieve crowdfunding, and issue prepaid tokens, tokenizing the points cards of many enterprises.The YOA payment system includes the YOA points and payment system used as a settlement method, which is a comprehensive brand name that combines the two. When consumers purchase property or services, YOA coins are automatically converted into YOA points in a fixed proportion. Consumers do not need to convert points in person, and can make purchases in the YOA payment system's franchise stores....