Trusted by leading institutions
What You Can Build
Flexible primitives for any loyalty use case.
Infrastructure
Point Exchange
Let customers move value between your rewards and partner programs securely.
Issuance
Co-Branded Cards
Launch co-branded cards and partnerships without rebuilding your stack.
Consolidation
Multibrand
Link a single card to multiple reward currencies and split rewards across programs.
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.
Commercial Layer
Standardized AgreementsCosmo Core Hub
API Integration & LedgerOperational Layer
Settlement & ReconciliationCommercials
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.