Cosmo

Global Infrastructure

One loyalty
network.

Connecting the world's leading reward programs through a unified digital layer.

Cosmo logo
flight
Network
Airlines
account_balance
Network
Banking
apartment
Network
Hospitality
payments
Network
Fintech
storefront
Network
Retail

Trusted by leading institutions

AlfursanAlfursan
Qatar Privilege ClubQatar Privilege Club
Accor ALLAccor ALL
BarqBarq
Kuwait Finance HouseKuwait Finance House

What You Can Build

Flexible primitives for any loyalty use case.

account_balance
Bank
+5,000 pts
flight
Airline

Point Exchange

Let customers move value between your rewards and partner programs.

flightAirline
Emily N.

Co-Branded Cards

Launch co-branded cards and partnerships without rebuilding your stack.

Split Rewards
Total: 100%
TravelCashShop
flight
monetization_on
shopping_bag

Multibrand

Link a single card to multiple reward currencies and let customers split and earn rewards across multiple 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.

1

Commercials

Standardized legal and commercial frameworks that remove the need for bilateral negotiations with every new partner.

2

Technology

A single API integration that provides access to the entire ecosystem's ledgers, issuance rules, and redemption logic.

3

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.