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02 / Pillar Two / Transactions

Turn transaction data into reward infrastructure.

Transaction providers already know where consumers spend. The network provides another way for that intelligence to create value.

Did the customer buy?

That is the fundamental question behind payment-linked rewards. Everything else — offers, eligibility, reward calculation, reconciliation — depends on answering it correctly.

FIG. A — PAYMENT CARD
FIG. B — TERMINAL
CARD-LINKING
BANK DATA
PAYMENT PROCESSORS
OPEN BANKING
MERCHANT PROCESSORS
POS
PAYMENT NETWORKS
TRANSACTION APIs

De-duplicated transaction data is the truth layer.

The network doesn't need to own every source of transaction data. It needs to be able to de-duplicate them. One card. One transaction. One reward.

Transaction marketplace
Supply

TRANSACTION DATA PROVIDERS

Bring verified payment events.

The network

The platform routes transaction intelligence into reward programmes.

Demand

BANKS / CARDS / WALLETS / FINTECHS

Need reward infrastructure.

Any payment product can become a rewards product.

01
Banks

A bank shouldn't need to build an entire cashback ecosystem.

02
Wallets

A wallet shouldn't need to recruit thousands of merchants.

03
Fintechs

A fintech shouldn't need to negotiate individually with every publisher.

Connect.Verify.Reward.