Building the infrastructure to issue and clear rewards across the largest global network of loyalty programs.
Standalone systems
Every partnership is its own contract, integration, and reconciliation. Programs operate in silos — high friction for partners, dead-end value for users.
What Cosmo does
The same infrastructure supports point exchange, co-branded cards, and multi-program card models.
Enabling banks
A single integration connects a bank to the global loyalty network — issue rewards into any partner program without building against each one.
Connecting merchants
A distribution channel for loyalty programs — sell your currency to financial institutions across the network, without one-off bank deals.
Handling settlement
Cosmo clears every transaction and nets settlement monthly — one statement across all partnerships, currencies, and jurisdictions.
The network,
nothing else.
Cosmo only works if every program on it can trust the rails. So we drew hard lines around what we will never be.
Not a loyalty program
We don't own members, currencies, or points. The programs on the network do.
Not a marketplace
We don't sell to your customers or sit between you and your brand relationships.
Not a program management system
We don't compete with the platforms that run your program. We connect them.
The rails between all of them
Issuance, clearing, and settlement — neutral infrastructure every partner can build on, because we never compete with any of them.
