From chatgpt:
TwidPay is a digital payment platform that allows users to make purchases using reward points from various loyalty programs. Instead of just using traditional methods like cash, credit, or debit cards, TwidPay lets you pay for goods and services by combining and using points you've earned from different sources, such as credit card rewards, airline miles, or retail loyalty programs. It essentially turns your accumulated points into a form of currency that you can spend more flexibly.