Bread is a rapidly growing decentralized financial services platform being used in over 140 countries by over one million users. Bread's mobile app allows users to store, send, and receive their digital assets easily and securely by connecting its users crypto directly to the blockchain. In December, 2017, Bread launched the BRD token which enables premium services and functionality within the app, as well as the first ever rewards and loyalty program for crypto users. Users can utilize the tokens to unlock special perks and discounts in the Bread app as it continues to to use a freemium model; while the core wallet capabilities are free to use, while others are accessible for a fee. Moreover, as part of the loyalty rewards program, the users will be able to earn Bread tokens through various promotions which are designed to increase user adoption or otherwise offer value to Bread.