Products · Loyalty Cash
100% results-based marketing with closed-loop promotional credit
Loyalty Cash lets sponsors, brands, and merchants fund Free Money that cardholders can only spend back under sponsor rules—applied automatically when they pay with mCard. Sponsors pay after validated terminal sales. Risk-free. Fully quantifiable.
Consumer story at www.loyalty.cash. This page is the operator / distributor sales narrative.
Loyalty Cash balance
$48.00
Promotional credit · spend under sponsor rules
Local Kitchen Co.
In-store only
$10
Campus Bookstore
SKU offers
$15
City Sports
Participating locations
$23
Illustrative UI · availability is program- and partner-dependent
Loyalty Cash is promotional dollars sponsors give cardholders to bring them back more often—with branded controls on where that credit can be used.
Who it’s for
One product. Three clear value stories.
For cardholders
Free promotional dollars at places you already love
Loyalty Cash is promotional credit funded by sponsors, brands, and merchants—loaded to the mCard experience and spendable only under the rules the sponsor sets. Available on any mCard program that enables it.
- ✓See balances and offers in a clear feed—map, list, and balance views
- ✓Spend Loyalty Cash only where the sponsor allows (location, category, or merchant rules)
- ✓Feels like free money for loyal customers—not another points maze
- ✓Works inside the same mCard / SuperApp journey members already use
For sponsors, brands & merchants
ROI-based marketing that brings customers back to you
Loyalty Cash is promotional dollars you fund to drive repeat visits and basket growth—with branded controls so value is spent where you intend, not diluted as unrestricted cash.
- ✓Fund promotional credit that cardholders can only redeem under your controls
- ✓Drive frequency and loyalty without relying only on clicks, likes, or generic coupons
- ✓Measure redemptions against real visits and mCard activity (program-dependent)
- ✓Position as modern marketing inventory: “money they can only spend back with us”
For NeoBank distributors & program operators
A sponsor-ready product you can sell into every community program
Distributors use Loyalty Cash to open conversations with local merchants, national brands, and sponsors who want measurable, controlled promotional credit inside a trusted cardholder network—not another ad channel that disappears into the feed.
- ✓One story for campus, faith, sports, CU, retail, and employer NeoBanks
- ✓Sponsors fund value; your program deepens engagement and merchant relationships
- ✓Fits beside Rewards Engine, Growth OS, and partner portals
- ✓Consumer explainer lives at loyalty.cash—operators sell the B2B motion here
How it works
From sponsor budget to controlled spend at the terminal
01
Brand prefunds the campaign
Commercial agreement with mCards; funds sit in a bank-controlled FBO / program account. Campaign pools are ledger-tagged (not one generic pot).
02
Spend rules are set per campaign
Merchant, MCC, location, schedule, and expiration live on each funding source — required for liability, breakage, and sponsor reporting.
03
Cardholders see one Free Money balance
Frontend is simple (Promo Cash / Free Money). Backend stays issuer- and campaign-tagged. Optionally expand into per-brand breakdowns.
04
mCard auth applies the promo
At eligible merchants, processing chooses Promo Cash vs member funds. Bank settles from the program account — closed-loop value on open-loop rails.
05
Marketing becomes a transaction
Example: $20 promo + $80 customer pay = $100 sale (5× commerce). Economic cost ≈ COGS of the promo — not speculative ad spend.
Distributor playbook
How to market Loyalty Cash to sponsors and brands
Use these talking tracks when recruiting local merchants, national brands, and community sponsors into your NeoBank’s Loyalty Cash network. Pair with the consumer-facing story at loyalty.cash.
What you say to a restaurant / retailer
- “Prefund Free Money customers can only spend back with you.”
- “You record marketing spend — but those dollars come back through your register.”
- “Unlike ads, a $20 promo can underwrite a $100 ticket when the customer adds cash.”
What you say to a brand / advertiser
- “mCards turns $1 of marketing into $5 of verified commerce.”
- “Campaign-tagged ledgers, per-issuer expiration, closed-loop settlement.”
- “We are a marketing + incentive platform — not just a payment processor.”
What you say to a CU / community program board
- “Local merchants fund member value; breakage and liability stay campaign-true.”
- “Members feel Free Money; sponsors get controlled, measurable promotion.”
- “Scalable structure: brands contract with the program, not one-by-one with the bank.”
The sponsor insight
“Loyalty Cash is like giving customers money that they can only spend back at our locations.”
The marketing power: controlled promotional credit, not unrestricted cash.
Why this matters for NeoBank operators
A differentiator you can sell every week
- ✓Opens merchant and brand revenue conversations beyond interchange alone
- ✓Makes the SuperApp and mCard more valuable day-to-day for members
- ✓Strengthens the local commerce loop for CU and community programs
- ✓Sits next to Rewards Engine, Growth OS, and partner portals in the stack
Ready to pitch Loyalty Cash to your sponsors?
Share the consumer story at loyalty.cash, then use this page to brief sponsors, brands, and merchants on controlled promotional credit inside your NeoBank.
Illustrative marketing. Features, settlement, and economics depend on program configuration and participating partners. Disclosures