If you hold CRPT in your Crypterium App and you also spend them (for example, by making crypto-to-fiat payments), you are part of Monthly Loyalty Program. This is done to encourage spending
yes right very good when the payments crypto to fiat will be available !!! Until then is nothing
Still, there is plenty of time for the developments already they are giving updates on bi weekly basis in order to get the community updated. Already they are progessing wait until they are releasing step by step.