Trusted by leading institutions
What You Can Build
Flexible primitives for any loyalty use case.
Point Exchange
Enable users to convert points seamlessly between programs. Real-time settlement and automated reconciliation included.
Co-Branded Cards
Launch card programs that reward users in any currency. Connect spend directly to loyalty ledgers via API.
Multibrand
Unite a coalition of partners under one loyalty currency. Manage permissions, issuance rules, and settlement logic centrally.
How It Works
Power all your partnerships through a single setup
Cosmo centralizes the three essential layers of any partnership — allowing you to connect once and scale infinitely.
Commercials
Standardized legal and commercial frameworks that remove the need for bilateral negotiations with every new partner.
Technology
A single API integration that provides access to the entire ecosystem's ledgers, issuance rules, and redemption logic.
Operations
Unified treasury management and automated reconciliation, ensuring all cross-program value transfers are settled in real-time.
Ready to join
the network?
Join the infrastructure powering the next generation of global loyalty. Scalable, secure, and built for enterprise.