Product · Point Exchange

A modular network for seamless reward transfers.

Connect loyalty programs through a standardized exchange network designed for secure, efficient reward transfers — and let customers move value between programs in real time.

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Point Exchange

TRANSFERRING

From

Max Miles

Balance · 128,400 miles

−10,000 miles

RATE 2.0 : 1Transfer requested

To

Accor ALL

Accor · partner program

+5,000 pts

POST /v1/transactions
201 transferred · 149ms

CLEARING netted
1 position · both programs

The infrastructure to issue rewards from your program into partner loyalty programs across the network.

Capabilities

Enterprise-grade exchange infrastructure.

v1 stable

The core primitive

One endpoint, every program.

Issue to Turkish Miles&Smiles or Accor ALL with the same call — only programId changes. No per-partner SDK, no bespoke payload, no second integration.

POST api.cosmopoints.com/v1/transactions
{
  "programId": "accor-all",
  "amount": 8900,
  "memberRef": "AL-4471902"
}

Real-time issuance

142ms

Points land while the member is still on the screen — or batch them on your own schedule.

Central settlement

1 statement

Cosmo clears across every partnership and nets it monthly — one reconciliation, not one per partner.

Full visibility

+ webhooks

Every transaction, rate, and reconciliation is queryable in the portal or over the API.

How it works

Three steps to your first transfer.

1~1 week

Integrate once

Authenticate, hit the sandbox, and wire up a single endpoint. Your engineers build against one contract — not one per program.

Sandbox keysOAuth 2.0

2No code

Activate partners

Request any program in the network from the portal. Ride Cosmo's existing contract, or bring your own commercials and use the rails only.

Portal requestOne contract

3Live

Start exchanging

Issue to any activated partner through the same call. Every new partner after this is a configuration change, not another integration.

Same endpointMonthly netting

Point Exchange

Move your first points
in days, not quarters.

One integration, and every program on the network becomes a transfer partner. Sandbox access from day one.