Loyalty
Points stay locked until checkout

Points from a stay are no longer spendable before the guest has actually stayed. They become redeemable after checkout, on the server as well as in the guest UI.
Stay-award points remain unavailable until the qualifying stay is complete
Redemption is blocked if those points are still locked
Guests see that the balance is not ready yet, rather than a dead end
Existing perks that should only apply after a stay follow the same rule