Why does Twism hold a balance of my Coins?

Twism does not charge a traditional monthly or annual subscription fee. Instead, merchants enable Twism to mint 25 branded Coins per week, per location, which serve as the merchant’s form of payment. Twism distributes these Coins to members to help drive traffic and purchases at your business. This functions as a marketing cost, where the only direct expense to the merchant is the cost of goods sold (COGS) when a customer redeems Coins.