One endpoint for
every loyalty
program.
Cosmo is the reward issuance layer connecting financial institutions to a global loyalty network. Integrate and contract once — Cosmo clears and settles everything you issue, across every partnership.
Trusted by leading institutions
Flexible applications for any loyalty use case.
Point Exchange
Let customers move value between your rewards and partner programs, securely and in real time.
Learn more →Co-Branded Cards
Launch co-branded cards and partnerships without rebuilding your stack.
Learn more →Multibrand
Link a single card to multiple reward currencies and split rewards across programs.
Learn more →
Payments got card networks. Banking got open banking. Loyalty still runs on bespoke, bilateral builds — Cosmo is the shared infrastructure layer it's been missing.
Every new partnership shouldn't mean another contract, build, and settlement process.
- ›Launch new partners in days
- ›Settlement netted across all partnerships, both sides
- ›Merchants and partners plug in once, too
Power all your partnerships through a single setup.
Standardized agreements
A common legal and commercial framework removes bilateral negotiations with every new partner.
A single integration
Access the entire ecosystem's ledgers, issuance rules, and redemption logic through the Cosmo API.
Clearing & settlement
Cosmo plays clearing house: unified treasury and automated reconciliation settle cross-program value in real time — a single net position across every partnership, from both sides.
Take the whole network, or just the rails.
Every layer is optional. Use Cosmo's technology while keeping your own commercial agreements — or ride on Cosmo's existing contracts wherever a partner is already in the network.
Keep direct agreements with your partners. Cosmo powers the integration, ledger, and settlement underneath.
If a partner is already on the network, launch under Cosmo's standardized agreement — no negotiation required.
Operate every partnership from one place.
Volumes, counts, and performance across every partner in one view — no more stitching spreadsheets.
Set transfer rules, launch point campaigns, and manage every partnership without a deployment.
Reports and billing live next to operations — one reconciled position across the network.