The Linex Loyalty constellation
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The white-label loyalty platform for banks & brands

Run your entire loyalty program, under your own brand.

From earning points to a universe of ways to spend them, we convene the right specialists and compose a loyalty solution built for your program. One platform, assembled to fit — never taken off a shelf.

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We serve payment card issuers, banks large and small, global franchises and payment networks.

Accrual rules

  • Base earn rule
  • Cohort pricing
  • Program optimizer
  • Bonus categories

Toggle a rule to see what changes

Illustrative earn rate2.5 pts per $1

Illustrative interface: the console your program team works in. Your cardholders never see it.

Two colleagues reviewing a loyalty program together on a tablet

Program structure

Earn Burn Engage

Illustrative interface: the console your program team works in. Your cardholders never see it.

Describe the outcome.

Or start from an example

A product team reviewing redemption options on a wall screen in a bank meeting room

Redemption mix

  • Travel redemption
  • Everyday redemption

Illustrative interface: the console your program team works in. Your cardholders never see it.

How Ixar composes a loyalty program

At its center is Ixar, the AI genie that convenes and orchestrates the right capabilities into a solution composed for each client. One platform, assembled to fit — never taken off a shelf.

Example compositions

A credit card rewards program, under your brand

Members earn on everyday card spend and only ever see your bank. We convene the capabilities your program is missing and leave what already works in place.

  • Earn. Programmable accrual engines, cohort pricers and program optimizers that continuously improve your reward loop. Keeps: your current accrual engine, if it already works
  • Burn. From high-touch to fully automated: a travel agent with a real person behind it, or an agent that converts points into crypto with no one in the loop. Keeps: your existing core banking environment
  • Engage. Dynamic offers, reactivation and acquisition agents that define and quantify the impact of every campaign. Keeps: the member relationship and the data, which stay yours

A travel loyalty program members want to come back to

Frequent travelers earn on the journeys they already take and spend on the next one. We compose the program around the systems you already run.

  • Burn. AI-first travel commerce that turns loyalty points into personalized journeys, with a global ecosystem of travel partners. Keeps: your existing booking and partner agreements
  • Earn. Programmable accrual engines, cohort pricers and program optimizers that continuously improve your reward loop. Keeps: your current accrual engine, if it already works
  • Engage. Dynamic offers, reactivation and acquisition agents that define and quantify the impact of every campaign. Keeps: the member relationship and the data, which stay yours

A shopping loyalty program with a marketplace around it

Shoppers earn across your stores and your partners, and spend where it suits them. We assemble the program around what your business already runs.

  • Burn. The redemption supermarket: goods, games, streaming and more, under one umbrella. Keeps: your existing commerce and payment systems
  • Earn. Programmable accrual engines, cohort pricers and program optimizers that continuously improve your reward loop. Keeps: your current accrual engine, if it already works
  • Engage. Dynamic offers, reactivation and acquisition agents that define and quantify the impact of every campaign. Keeps: the member relationship and the data, which stay yours

A starting point for your loyalty program

Tell us a little more about your organization and we will tailor this. Here is how a program is typically assembled.

  • Earn. Programmable accrual engines, cohort pricers and program optimizers that continuously improve your reward loop. Keeps: your current accrual engine, if it already works
  • Burn. From high-touch to fully automated: a travel agent with a real person behind it, or an agent that converts points into crypto with no one in the loop. Keeps: the systems you already run
  • Engage. Dynamic offers, reactivation and acquisition agents that define and quantify the impact of every campaign. Keeps: the member relationship and the data, which stay yours

How it comes together

  1. Describe the outcome. You tell us the goal. No spec sheets, no menus.
  2. We convene the specialists. We bring in the right agents — travel, marketplace, the points engine — each an expert in its domain.
  3. We compose one solution. The specialists work as one, deployed inside your environment.
  4. Launch under your brand. Members see your brand, never the platform underneath.

Cómo Ixar compone un programa de lealtad

En su centro está Ixar, el genio de IA que convoca y orquesta las capacidades correctas en una solución compuesta para cada cliente. Una plataforma, ensamblada a la medida — nunca tomada de un estante.

Ejemplos de composición

Un programa de recompensas con tarjeta de crédito, bajo tu marca

Los miembros ganan con el gasto cotidiano de su tarjeta y solo ven a tu banco. Convocamos las capacidades que le faltan a tu programa y dejamos en su lugar lo que ya funciona.

  • Earn. Motores de acumulación programables, tarificadores por cohorte y optimizadores que mejoran tu reward loop de forma continua. Se mantiene: tu motor de acumulación actual, si ya funciona
  • Burn. Del acompañamiento humano a la automatización total: un agente de viajes con una persona real detrás, o un agente que convierte puntos en cripto sin nadie de por medio. Se mantiene: tu entorno de core bancario actual
  • Engage. Ofertas dinámicas, agentes de reactivación y de adquisición que definen y cuantifican el impacto de cada campaña. Se mantiene: la relación con el miembro y los datos, que siguen siendo tuyos

Un programa de lealtad de viajes al que los miembros quieren volver

Los viajeros frecuentes ganan con los viajes que ya hacen y gastan en el siguiente. Componemos el programa alrededor de los sistemas que ya operas.

  • Burn. Travel commerce AI-first que convierte los puntos de lealtad en viajes personalizados, con un ecosistema global de partners de viaje. Se mantiene: tus reservas y acuerdos con partners actuales
  • Earn. Motores de acumulación programables, tarificadores por cohorte y optimizadores que mejoran tu reward loop de forma continua. Se mantiene: tu motor de acumulación actual, si ya funciona
  • Engage. Ofertas dinámicas, agentes de reactivación y de adquisición que definen y cuantifican el impacto de cada campaña. Se mantiene: la relación con el miembro y los datos, que siguen siendo tuyos

Un programa de lealtad de compras con un marketplace alrededor

Los compradores ganan en tus tiendas y en las de tus socios, y gastan donde les conviene. Ensamblamos el programa alrededor de lo que tu negocio ya opera.

  • Burn. El supermercado de la redención: bienes, juegos, streaming y más, bajo un solo paraguas. Se mantiene: tus sistemas actuales de comercio y pagos
  • Earn. Motores de acumulación programables, tarificadores por cohorte y optimizadores que mejoran tu reward loop de forma continua. Se mantiene: tu motor de acumulación actual, si ya funciona
  • Engage. Ofertas dinámicas, agentes de reactivación y de adquisición que definen y cuantifican el impacto de cada campaña. Se mantiene: la relación con el miembro y los datos, que siguen siendo tuyos

Un punto de partida para tu programa de lealtad

Cuéntanos un poco más sobre tu organización y lo adaptaremos. Así se arma normalmente un programa.

  • Earn. Motores de acumulación programables, tarificadores por cohorte y optimizadores que mejoran tu reward loop de forma continua. Se mantiene: tu motor de acumulación actual, si ya funciona
  • Burn. Del acompañamiento humano a la automatización total: un agente de viajes con una persona real detrás, o un agente que convierte puntos en cripto sin nadie de por medio. Se mantiene: los sistemas que ya operas
  • Engage. Ofertas dinámicas, agentes de reactivación y de adquisición que definen y cuantifican el impacto de cada campaña. Se mantiene: la relación con el miembro y los datos, que siguen siendo tuyos

Cómo se arma

  1. Describe el resultado. Nos cuentas el objetivo. Sin fichas técnicas, sin menús.
  2. Convocamos a los especialistas. Traemos a los agentes indicados — travel, marketplace, el motor de puntos — cada uno experto en su dominio.
  3. Componemos una sola solución. Los especialistas trabajan como uno, desplegados dentro de tu entorno.
  4. Lánzalo bajo tu marca. Los miembros ven a tu marca, nunca la plataforma que está debajo.
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  • Decades deploying IT inside banks
  • Never in the transaction path
  • Either side of the firewall
  • One vendor interface, many suppliers

About Linex Loyalty

Your brand. Your members. One loyalty platform.

Linex Loyalty is a white-label loyalty platform for banks, card networks and brands. It lets any organization stand up a complete loyalty ecosystem under its own brand, built on one simple loop: Earn, Burn & Engage.

At its center is Ixar, the AI genie that convenes and orchestrates the right capabilities into a solution composed for each client. One platform, assembled to fit — never taken off a shelf.

We serve payment card issuers, banks large and small, global franchises and payment networks.

Visit Linex Capital ↗

  • EarnMembers earn points.
  • BurnThey redeem them across travel, marketplace and rewards.
  • EngageYou activate the members who hold them.

Tell Ixar what your program needs. It orchestrates the rest.

Ixar is the master genie at the center of Linex Loyalty. It convenes a team of specialists — one for travel, one for redemption, one for the points engine — and directs them into a single solution, composed for your program and deployed inside your environment. You describe the outcome. Ixar assembles the capability.

Not a checkout. Not a catalog. A conductor that makes specialized agents work as one.

A product team describing the outcome they want from their loyalty program
Compose my program

Step 01

  1. You ask

    Describe the outcome.

    "Turn our points into travel and everyday rewards." No spec sheets, no menus — just the goal.

  2. Ixar convenes

    Calls the specialists.

    It brings in the right agents — travel, marketplace, the points engine — each an expert in its domain.

  3. Ixar composes

    Delivers one solution.

    The specialists work as one, deployed inside your environment. A program composed for you, not off a shelf.

What Ixar builds for your team

This is the console your program team works in. Your cardholders never see it.

It doesn't answer with text. It answers with the thing itself.

Ask most AI assistants about a loyalty program and you get a paragraph. Ask Ixar, and it builds: the accrual rules, the redemption mix, the program structure — rendered on screen, ready to react to. You are not reading about the solution. You are looking at it.

Talk to Ixar

Campaign impact

  • Incremental spend+18%
  • Reactivated members12.4k
  • Offer redemption31%

Illustrative metrics

Define and quantify the impact of every campaign.

Illustrative interface: the console your program team works in. Your cardholders never see it.

Across the full loyalty loop — earn, burn and engage.

Earn, burn and engage — three areas, one intelligence. We convene the specialists behind each and compose them into your program.

An analyst and a colleague reviewing points accrual dashboards on two monitors

Earn · Points accrual

Earn — points, made.

Programmable accrual engines, cohort pricers and program optimizers that continuously improve your reward loop. Design how points are earned, price them by cohort, and tune the economics over time — the engine that creates value.

Powered by Linex Rewards.

Burn · Redemption

Burn — points, spent.

The frequent traveler and the member who never flies are not the same customer. We cover the whole range with category specialists, from high-touch to fully automated: a travel agent with a real person behind it, or an agent that converts points into crypto with no one in the loop. Plus everyday goods, games and streaming.

Ixar assembles the mix your members will actually use.

Led by Linex Travel and Linex Marketplace.

Engage · Activation

Engage — points, activated.

Dynamic offers, reactivation agents and acquisition agents that define and quantify the impact of every campaign. Turn a static program into a living one — the right offer, to the right member, at the right moment, measured end to end.

Enter anywhere. Assemble over time.

Linex Loyalty is one connected constellation of loyalty solutions. There's no fixed package: start with the capability you need today, and let Ixar add the others as your program grows. Each line is a star — enter through any one, and the rest are one step away.

Linex Loyalty Linex TravelTravel redemption Linex MarketplaceEveryday redemption Linex RewardsThe earn engine Ixar orchestrates the constellation.

One family, always connected.

Every star carries the same thread: "Part of Linex Loyalty." Wherever a client lands, they can move across the constellation — one identity, one relationship, one intelligence tying it together.

Part of Linex Loyalty

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Built to run inside a bank.

Decades of experience deploying IT for financial institutions, architected to earn a bank's trust from day one.

Our product teams have decades of experience deploying IT solutions for banks. Beyond industry-standard security certifications, our agent layer overlays and executes separately from secure transaction management. It runs alongside any infrastructure — legacy or state of the art — and, as a long-term vendor to financial institutions, deploys on either side of the firewall.

  1. Ixar agent layer

    Composes and runs the loyalty capabilities. It overlays your systems and is never in the critical path.

  2. Firewall

    Your bank's security boundary. It keeps the agent layer and transaction processing apart, so Ixar works alongside your systems without ever sitting in the path of a transaction.

  3. Secure transaction management

    Your secure transaction processing, run separately from the agent layer.

Deployed where your security model requires

  • On-premiseInside your firewall, on your own infrastructure.
  • CloudOutside the firewall, wherever your security model allows it.
  • Legacy or modernRuns alongside any infrastructure, from legacy cores to the latest generation.
Conceptual architecture

One vendor interface

Single point of contact.

One relationship, backed by an array of established, reputable suppliers — no fragmented vendor sprawl.

Security-first architecture

Separated by design.

The agent layer runs separately from secure transaction management — never in the critical path.

Deploys either side of the firewall

Fits your stack.

Legacy or modern, on-prem or cloud. Deployed where your security model requires.

Trusted by

Part of the travel, loyalty and payments network.

  • PPM
  • Fidelity
  • BAC Credomatic
  • Puntos Colombia

Frequently asked questions

What is a white-label loyalty platform?

A white-label loyalty platform lets an organization run a complete loyalty program under its own brand, using technology it does not have to build. Members see the bank or the brand. They never see the platform underneath.

Do we have to replace our current points engine?

No. Ixar assembles only the capabilities your program is missing. If your accrual engine works, it stays, and the other capabilities are composed around it.

Can it run inside our existing core banking environment?

Yes. The agent layer overlays existing systems and executes separately from secure transaction management. It deploys on either side of the firewall, on-premise or in the cloud.

Who owns the member data?

You do. Linex Loyalty operates the program under your brand; the member relationship and the data behind it remain yours.

What does Ixar actually do?

Ixar is the AI genie at the center of Linex Loyalty. It understands what a program needs, convenes the specialist agents behind each capability, and directs them into one solution — a conductor rather than a catalog.

Is Ixar a chatbot?

No. A chatbot answers questions about a product. Ixar composes the product: it convenes the specialist agents behind each capability and directs them into one program built for you.

What happens after I talk to Ixar?

Ixar maps what your program needs and returns a composed proposal — which capabilities, in what order, and how they deploy inside your environment. A specialist from the relevant line joins from there.

Does Ixar see our member data?

Only what a capability requires to run, inside the environment you approve. The agent layer overlays your systems and executes separately from secure transaction management.

Can we start with one line and add others later?

Yes. That is the model. Start with the capability your program needs today; Ixar brings in the rest when the business justifies it. Nothing is bundled.

Are these separate contracts?

You deal with one interface. How the commercial relationship is structured depends on which capabilities you run — Ixar maps that in the proposal.

What if we only need redemption?

Then you only run redemption. A program that needs nothing else pays for nothing else.

Does the agent layer touch transactions?

No. It overlays your systems and executes separately from secure transaction management. It is never in the path of a transaction.

On premise or cloud?

Either. The agent layer deploys on either side of the firewall and runs alongside any infrastructure, legacy or state of the art.

Do we have to change our core?

No. The layer is designed to fit the stack you already run, not to replace it.

Ready to see what Ixar would build for your program?

Tell us about your loyalty program, and we'll show you the solution Ixar composes for it.

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