Points, rewards, and cashback — native to the platform
A native loyalty engine with points, rewards, cashback, and real-time triggers — built directly into the core ledger, not bolted on.
What we're building
Preview the capabilities coming to the Loyalty module.
Points Engine
Configurable points accrual rules with real-time earning and redemption.
Rewards Marketplace
Offer gift cards, vouchers, and partner rewards directly within your product.
Cashback Programs
Percentage-based or fixed cashback on transactions, merchants, or categories.
Real-time Triggers
Event-driven triggers for instant reward notifications and accruals.
Campaign Management
Create time-bound campaigns, bonus multipliers, and targeted promotions.
Tiered Memberships
Bronze, silver, gold — create membership tiers with escalating benefits.
Merchant Offers
Partner with merchants to offer exclusive deals and funded rewards.
Gamification
Streaks, challenges, and milestones to drive engagement and retention.
Why native matters
Most loyalty solutions sit outside the transaction flow, causing delays between purchase and reward. Kobble Loyalty is built directly into the core ledger, meaning rewards are calculated, accrued, and notified in real-time — at the point of transaction.
No third-party integrations. No batch processing delays. No reconciliation headaches. Just instant, accurate loyalty experiences that drive engagement.
Developer-first by design
Clean, RESTful APIs with comprehensive documentation and sandbox environments. Build financial products with a developer experience you'll actually enjoy.
const program = await kobble.loyalty.create({ name: "Gold Rewards", type: "points", earning_rules: [{ trigger: "card_purchase", points_per_dollar: 2, bonus_categories: ["dining", "travel"] }], tiers: [ { name: "Bronze", threshold: 0 }, { name: "Silver", threshold: 5000 }, { name: "Gold", threshold: 15000 } ], cashback: { enabled: true, rate: 0.01 }});// program.id => "loy_7xk2..."// program.status => "active"Works great with
Combine modules for a complete solution.
Ready to get started?
Book a demo to see how this module can power your financial product. Our team will walk you through the integration process.