Contact Us →

Ecosystem loyalty for financial services, run on GRAVTY®.

Points, cashback, tiers and partner settlement, one rules engine. Built for banks, card issuers and fintechs, where a points balance is a store of value and every rule change is a compliance event.

Enterprise ecosystems running on GRAVTY® across industries

WestJet
Emirates
Deutsche Telekom
GHA Discovery
Spin Premia · FEMSA
Sanlam

The honest part · What's broken in financial services loyalty

What we ship against it

How GRAVTY® answers, point for point

Each capability ships in the base platform and runs in production today across the ecosystems above. No module purchase, no financial services edition to wait for.

Rewards logic lives inside the processor

Card rewards run where the transactions run: inside the processor or the core banking stack. Every earn-rate change, every bonus category, every co-brand tweak is a change request in someone else's release cycle. The program roadmap moves at the speed of the vendor queue.

Visual Rules engine

Rules your loyalty team authors, versioned and audit-trailed

GRAVTY®'s patented Visual Rules engine lets non-technical users author earn, burn, tier and bonus logic in a drag-and-drop editor, simulate it, and deploy it without an IT ticket. Every rule is versioned with one-click rollback, so the full change history is inspectable on demand.

Every product runs its own currency

The credit card earns points. The debit card earns cashback. The savings product has a rate booster and the insurance arm has a discount scheme. Each was launched by a different team on a different stack, so nothing sums. The customer holds four disconnected balances and no reason to consolidate spend.

Dynamic program models

Points, cashback and tiers on one engine

Tiers, statuses and currencies are configuration, not code. Run points on the credit card, cashback on debit and a status track across the whole relationship, with every balance on the same platform and exchange rules between currencies where the program wants them.

Partner economics settle on spreadsheets

Merchant-funded offers, transfer partners, co-brand agreements. Each has its own rate, direction and invoice. Reconciliation runs in spreadsheets at month-end, and disputes eat the margin the partnership was supposed to create.

Native partner settlement

Settlement is a platform primitive, not a spreadsheet

Partner onboarding, earn and burn across partners, settlement, reconciliation and revenue share ship as platform primitives. The ledger records every partner transaction with its rate and direction, nets obligations over the settlement cycle, and produces statements each partner can reconcile against its own records.

Points are money, and fraud tooling treats them like coupons

A points balance is a store of value. Account takeover, promotion abuse and synthetic redemptions target it the way they target deposits, but rewards rarely get the real-time controls the payment rails get. By the time the batch job flags it, the balance is gone.

AI-Trust

Fraud controls that treat points like money

AI-Trust detects anomalies and fraud with real-time analytics. Machine-learning models flag anomalous earn and redemption behaviour as it happens, not in a nightly batch, and scoring models are customizable per program, so the controls fit the risk profile of a balance that behaves like money.

The member is split across product silos

Checking sees a balance. The card sees transactions. The mortgage sees a household the rest of the bank can't. Relationship pricing and recognition need one view of the customer, and the loyalty program is usually built on the narrowest one available.

Member 360

One customer view, household included

Member 360 pulls behaviours, influences and transactions into one view. Household pooling and the affiliation graph capture the relationships around the customer, not just the accounts, and flexible membership structures support family, corporate and subscription models in the base platform.

Every rule change is a compliance event

Rewards terms are regulated disclosures. A rule changed without an audit trail, or applied inconsistently across segments, is a finding waiting for an examiner. Program teams slow down not because ideas are scarce but because change control is manual.

Zero-trust security, serverless scale

Certified controls, transaction-scale throughput

ISO 27001, SOC 1, SOC 2 and GDPR compliant, with encryption and role-based access controls at every layer. The serverless AWS foundation holds a 99.99% uptime SLA, sustains 30,000+ transactions per second at peak, and returns accrual responses in 120 milliseconds.

Platform proof

The proof, independently documented

"The launch of Spenn required a platform capable of supporting complex ecosystem dynamics, high transaction volumes, real-time interoperability, and rapid partner onboarding. GRAVTY® provided the architectural flexibility, scalability, and modern capabilities necessary to bring our vision to life and support our future growth ambitions."

Kristian Kolstad Chief Product and Technology Officer · Spenn
Common questions

The questions financial services teams ask us first

Can GRAVTY® run points, cashback and tiers as one program?
Yes. Tiers, statuses and currencies are configurable models on one engine, so a card points currency, a debit cashback currency and a relationship-level status track run side by side. Exchange between currencies is a platform primitive, authored in the Visual Rules engine rather than built as custom code, and every balance lives on the same member record.
How does settlement work with merchant partners and co-brands?
The platform ledger records every partner transaction with its rate and direction, nets the obligations between each pair of parties over the settlement cycle, and produces statements each partner can reconcile against its own records. Reconciliation and revenue share are platform primitives. The buyer's test is simple: settlement is native here, not a spreadsheet exported at month-end.
What does GRAVTY® do about rewards fraud?
AI-Trust runs real-time analytics against transactions, using machine-learning anomaly detection to flag suspicious earn and redemption behaviour as it happens rather than in a nightly batch. Scoring models are customizable per program, so thresholds match the risk profile of each currency. Receipt-based earn is covered too, with duplicate, manipulated and synthetic-receipt detection in iScan.
How does GRAVTY® integrate with our existing banking stack?
GRAVTY® is API-first and composable. It connects to existing POS, CRM, ERP and transaction systems through documented APIs, with 100+ live integrations in production and developer documentation at docs.gravty.io. Average API latency across endpoints is under 50 milliseconds, and the platform sustains 30,000+ transactions per second at peak, so the loyalty layer keeps pace with the payment rails it listens to.
Where does member data live, and which certifications apply?
GRAVTY® runs a region-pinned data plane under a single global control plane. Member records originate and stay in their resident geography, and residency is declared per program, not implemented per release. The platform is ISO 27001 and SOC 2 Type II certified and compliant with SOC 1 and GDPR, with encryption and role-based access controls enforced at every layer.
Is the platform fast enough for transaction-time loyalty?
This is measured in production, not projected. GRAVTY® processed 3B+ transactions this year across 400M+ members in production, holds a 99.99% uptime SLA on its serverless AWS foundation, and returns an accrual response for a 50-line-item basket in 120 milliseconds. Real-time here means the earn event lands before the receipt prints.
Related

Go deeper

Ecosystem loyalty, explained Why multi-brand programs compound, and how the settlement actually works. What is an Enterprise Growth Platform The category GRAVTY defines: loyalty as a growth engine, not a cost centre. Card & banking rewards, catalogued The notable issuer and banking rewards programs, one page each. The loyalty glossary Every term in the buyer's vocabulary, one page each.

The real risk is inaction

Loyalty technology is moving fast. Agentic AI, ecosystem orchestration, and real-time intelligence are reshaping how the next generation of programs work. The sooner you start, the more you'll shape what's coming.

Contact us →