In general, I like to give new technologies/apps a chance. I have spent some time looking at the payment space and the concept of "treats" is at least interesting. I think the name "treats" undermines what it does.<p>If you swipe their debit card seven times you get one of these "treats". If this caught on, the network effect may arise where people start paying for friends coffees/small gifts. The question is, is the value of rewards that are giftable > credit card's value. Not sure that it is but I'm also not sure that it is not.<p>The comments have been brutal but I wouldn't completely dismiss the concept just yet.