Building a Loyalty Network That Scales

Cosmo is not a marketplace. It is not an aggregator. It is infrastructure — and infrastructure only works if it is scalable, resilient, and secure by design. When financial leaders rely on Cosmo to issue and settle rewards across multiple loyalty programs, uptime and trust are non-negotiable. This is how the network is built.

Cloud-Native by Design

Cosmo runs on a fully containerized microservices architecture powered by AWS ECS on Fargate. There are no servers to manage, no fixed compute ceilings, and no manual provisioning. Each service — whether handling point issuance, settlement logic, partner routing, or rule validation — runs independently inside its own container.

This creates immediate advantages:

Elastic Scalability

Demand in loyalty infrastructure is not linear. A single partner campaign, card launch, or redemption surge can create traffic spikes. Cosmo handles this through ECS Fargate Auto Scaling, where services scale automatically based on CPU utilization, memory usage, queue depth, and custom business metrics.

This means:

• No pre-provisioning required
• No overpaying for idle compute
• No performance degradation during demand bursts

Capacity grows when needed and contracts when not. The network expands with usage — not forecasts.

Zero-Downtime Releases

Reliability requires safe change. Cosmo uses Blue-Green Deployments via ECS, CodeDeploy, and Application Load Balancers (ALBs). New versions are deployed alongside existing ones:

Traffic is gradually shifted from Blue to Green only after health checks pass, integration tests validate, and latency stays within threshold. Rollback is instant — no downtime and no disruption to live transactions.

Intelligent Traffic Routing

All inbound service traffic flows through Application Load Balancers (ALBs), which provide Layer 7 routing, health-aware traffic distribution, and automatic failover. Requests are routed only to healthy containers, approved services, and valid environments. Unhealthy instances are removed automatically.

Network Isolation

Security starts with architecture. Cosmo operates across segmented VPC environments — Production, Sandbox, and Development — each fully isolated from one another. Within them:

• Services run in private subnets
• No direct public exposure
• Internet access is controlled via NAT

External access happens only through approved entry points.

Security Groups: Default Deny

Access is not assumed — it is explicitly granted. Every service sits behind tightly scoped Security Groups:

For example, issuance services cannot speak to settlement databases, partner routing layers cannot access secrets stores, and external APIs cannot reach internal compute. Each connection is intentional.

Locked Down Access

Cosmo enforces access boundaries at multiple layers:

• IAM-Based Service Identity: Services authenticate using roles — not static credentials. No embedded secrets and no shared keys.
• Secrets Manager Integration: Sensitive values are encrypted at rest, rotatable, and never exposed in code or environment configs.
• Private Endpoints: Internal AWS services (databases, queues, secrets) are accessed through private network paths — not the public internet.

Defense in Depth

Security is layered. Compromise in one layer does not grant access to another:

Built for Institutional Trust

Cosmo's infrastructure is not designed for demos — it is designed for production, at scale. Every architecture decision reflects a single principle: financial institutions must be able to trust the network they connect to.

Learn more about how Cosmo can transform your loyalty infrastructure.