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Coalition loyalty

A wallet your partners share. Run by us

Bring fuel, airline, retail, dining, and other partners into one wallet with reciprocal earn-and-burn, joint promotions, and partner dashboards. Unlike enterprise multi-brand (one company's own brands), a coalition links independent companies that share a currency. Coalition programs can lift attached spend at non-anchor partners by 30%+.

Shared wallet
settling
Fuel
Airline
Retail
monthly close · settled
Coalition capabilities

Three partnership models, one settlement rail

Partners do not need the same role. Run reciprocal, earn-only, and burn-only participation in one coalition so the network can grow without renegotiating the operating model.

01

Reciprocal earn-and-burn

Every partner accepts every other partner's currency. Settlement runs bilaterally at month close, net of issuance versus redemption. Conversion rates are contract-pinned and visible to all parties.

02

Standalone earn-only

Partner contributes points into the coalition wallet on spend. Members can burn those points at any redemption-enabled partner. Typical fit: premium card issuer, telco partner, or subscription brand.

03

Standalone burn-only

Partner accepts coalition currency at checkout without issuing any. Attributed redemptions flow into the monthly settlement file. Low-commitment entry point with no issuance liability and positive settlement flow.

Onboarding

From agreement to live in 6 weeks

Five stages, one rail. Every partner follows the same path, whether they join at launch or later.

01

01 · Week 0

Agreement

Coalition agreement signed with operating policy, currency rules, and settlement cadence defined.

02

02 · Week 1

Fit review

Attached-spend uplift is modeled on your data so the committee approves with numbers, not gut feel.

03

03 · Weeks 2-4

Integration

Partner ingest via REST API, mobile SDK, or SFTP batch. Typical integration window is 3 weeks for a standard POS or app partner.

04

04 · Weeks 5-6

Pilot

Opt-in member cohort, 4-week measurement window. Per-partner dashboard live from day one of pilot.

05

05 · Live

Live

Full rollout across member base. Monthly settlement file generation starts automatically at first close.

Average launch · 6 weeks

Coalition governance

Who decides what before launch

Most coalition disputes are governance disputes. Assign decision rights before launch so each role has a clear lane.

DecisionCoalition CommitteePlatform OwnerIndividual PartnerSettlement BankMember Trust
Operating policy
Earn-burn rule changes
Partner admission & exit
Partnership disputes
Platform tenancy & uptime
Audit trail & sub-processor approval
Settlement file generation
Reward catalog & marketing creative
Brand-specific tier configuration
Inter-partner cash transfers
Member consent & data-share opt-in
Right-to-erasure requests
Program results

Coalitions that hold past the press release

+41%Non-anchor partner spend

Measured across cardholder base, 6 months post-launch. Pan-Indian fuel coalition, 3 partners.

11 wksAgreement to first live member transaction

3 partners onboarded from signed agreement to first live member transaction.

4MMembers across the coalition

Total wallet size at the 12-month mark across the coalition.

FAQs

Common questions about coalition loyalty

A coalition loyalty program lets independent brands share one wallet. Members earn and burn across participating partners, with settlement handled at month close.