Loyalty Engine
Loyalty your members love and your auditors trust
An enterprise points and rewards engine on an append-only ledger. Six programme archetypes, FIFO expiry, and the liability reporting finance teams expect. Runs standalone or on the Xanite CDP.
One engine, six programme types
Points and tiers, punch cards, cashback, missions, subscriptions, and coalition programmes all run on the same ledger. Configure a programme without code, launch, and change rules as you learn.
An append-only ledger
Every transaction is immutable and idempotent. Balances are computed from the ledger, not stored beside it, so the numbers always reconcile and duplicate events never double-award.
Financial-grade controls
Points are a liability on your balance sheet. Xanite treats them that way: FIFO expiry, liability and breakage reporting, and separation of duties on every manual adjustment.
Programme Types
Built for the programme you actually want to run
Pick an archetype and configure it in the dashboard. Rules, earning rates, tiers, and rewards are programme settings, not development work.
Points & tiers
Classic earn-and-burn with tier thresholds, multipliers, and benefits per tier. The default for retail and fuels.
Punch cards
Buy nine, get the tenth free. Simple visit- or product-based stamps with automatic reward issue on completion.
Cashback
A percentage of spend returned as wallet value. Configurable rates by category, tier, or campaign period.
Missions
Challenge-based earning: complete a first app purchase, shop three categories, refer a friend. Progress tracked per member.
Subscriptions
Paid membership programmes with recurring benefits, renewal handling, and member-only pricing signals.
Coalition
Multi-brand programmes where members earn and redeem across participating partners, with per-partner settlement views.
The Ledger
Every point accounted for
Earn, redeem, adjust, reverse, and expire are all entries on an append-only ledger with a running balance. Idempotency on source events means a replayed purchase never awards twice.
- Idempotent earning keyed on the source event
- Redemption guards: minimums, increments, tier, and stock
- Reversals that unwind the original entry, not overwrite it
- Balance recomputed from the ledger at any point in time
Enterprise Controls
Governance your finance team will ask about
A loyalty programme is a financial commitment. The engine ships the controls that make it a managed one.
FIFO points expiry
Points expire oldest-first on the schedule you set. Members see what expires next; finance sees the liability roll off.
Liability, breakage & ageing
Outstanding points valued in currency, breakage tracking, and ageing buckets. The reports your auditors ask for, on demand.
Dual-approval adjustments
Manual point adjustments follow separation of duties: the person who proposes can never be the person who approves.
Full audit log
Every earn, redemption, adjustment, and reversal is an append-only ledger entry with who, when, and why attached.
Deployment
Standalone by design, better together
The Loyalty Engine keeps its own member registry, keyed on your customer IDs, and runs with no CDP at all. Connect one and it pushes tier and points traits back into the customer profile, where segments and journeys can act on them.
- Own member identity, keyed on your existing customer IDs
- Optional link to Xanite, Segment, Braze, or Salesforce profiles
- Earn from purchase events over API or event streaming
- Multi-tenant with operator roles and tenant isolation
See Xanite in action
Book a personalised demo and see how Xanite unifies your customer data, automates your campaigns, and keeps you compliant.