Common questions, answered.

Cosmo is a B2B loyalty network infrastructure provider. We operate the reward issuance and settlement layer that connects financial institutions to a global network of loyalty programs — one connection and one contract instead of a custom build per partner.

The network acts as a translation layer between different loyalty currencies. Through a shared infrastructure, a bank can issue rewards into any partner program on the network — earn in one ecosystem, redeem in another — with Cosmo clearing every transaction in between.

A wider distribution network and deeper customer engagement, without partnership overhead: one integration instead of many, one contract instead of bilateral negotiations, reduced liability on unredeemed points via the clearinghouse model, and consolidated settlement across all partners.

Cosmo acts as the clearing house for the network. Every transaction is cleared in real time, and settlement is netted monthly — one statement covering all your partnerships, on both sides, across currencies and jurisdictions.

Yes. Cosmo maintains SOC 2 Type II compliance and undergoes regular third-party audits covering security, availability, and confidentiality of all partner data and transactions.

A comprehensive suite of RESTful APIs covering reward issuance, point exchange, settlement, partner management, and real-time reporting — plus embeddable widgets for point purchase and Multibrand preferences. The developer documentation includes detailed integration guides.

Most partners complete technical integration within 2–4 weeks using the standardized APIs and sandbox environment. Full commercial onboarding, including legal and compliance review, typically takes 4–6 weeks end to end.

No — the platform is modular. You can use the technology while keeping your own commercials directly with a partner, or ride Cosmo’s existing contracts where the partner is already on the network.