Building the infrastructure to issue and clear rewards across a 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.
For banks and fintechs
One integration to the global loyalty network. Issue rewards into any program on the network without building against each one.
For loyalty programs
A distribution channel to financial institutions across the network, without one-off bank deals.
Settlement
Cosmo clears every transaction and settles monthly, in one statement across all partnerships and currencies.
The network,
nothing else.
Cosmo only works if every program on it can trust the rails, so the lines are drawn clearly.
Not a loyalty program
Cosmo does not own members, currencies or points. The programs on the network do.
Not a marketplace
Cosmo does not sell to your customers or sit between you and your brand relationships.
Not a program management system
Cosmo does not compete with the platforms that run your program. It works alongside them.
The rails between all of them
Issuance, clearing and settlement: neutral infrastructure every partner can build on, because Cosmo never competes with any of them.
