The standard infrastructure for the world's loyalty programs.
Cosmo operates the network infrastructure that connects banks and merchants across the global loyalty ecosystem.
Fragmented, inefficient, and siloed loyalty programs that operate in isolation, creating high friction for both partners and users.
Connected through a single integration for global scale. One connection unlocks an entire ecosystem of liquidity and rewards.
The same infrastructure supports point exchange, co-branded cards, and multi-program card models.
Provide seamless reward integration for financial institutions, allowing customers to redeem points instantly across a global merchant network.
Enable merchants to accept loyalty points as a form of payment without complex individual integrations with multiple banking partners.
Automated, real-time financial reconciliation and settlement across currencies and jurisdictions, ensuring trust and transparency.
We are a neutral infrastructure provider. We don't compete with our partners; we empower them with the plumbing required to scale.
