In one implementation, a system with a decentralized architecture to provide secure loyalty program includes a plurality of separate database systems to disperse storage of data for the secure loyalty program across a plurality of separate file systems with different authentication and encryption schemes, a loyalty program computer system to securely allocate loyalty rewards in real-time, a first intermediary computer system to securely manage and provide access to the first intermediary database system, and a second intermediary computer system to securely manage and provide access to the second intermediary database system.