Platform Solution Products Market Strategy

AI-first loyalty
for America's 34 million small businesses

Gratifi gives SMBs the coalition loyalty and AI-powered retention engine that was previously only available to enterprise brands.

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Our parent company's track record across the world's most demanding loyalty programs — trusted by 4 of India's top 5 banks.

65%
Market Share
Indian banking loyalty sector
100M+
Customers Served
Across all platforms
7B+
Reward Points
Processed annually
$1.5B+
Travel Bookings
Processed annually
500+
Employees
Engineers, operators and deal makers
6
Countries
Active operations
Flagship Products
Proven at scale. Across continents.
Reward360's track record across the world's most demanding loyalty programs.

SmartBuy

HDFC Bank · Loyalty & Marketplace Portal
India's largest bank loyalty portal combining travel, shopping, and reward redemption in a single platform.
$1B+Total Dollar Value
5M+Monthly Active Users
30MCredit Card Base

iShop

ICICI Bank · Loyalty & Marketplace Portal
ICICI Bank's end-to-end loyalty portal enabling travel bookings, shopping rewards, and personalised offers.
$500M+Total Dollar Value
2M+Monthly Active Users
20MCredit Card Base

Global Rewards Platform

Standard Chartered · Multi-Country Programme
A unified global reward programme across 6 countries, managing multi-currency points and localised catalogues.
6Countries Active
Asia, MERegions Covered
The Problem
SMBs are losing customers they could keep.
Loyalty programs built for enterprises don't work for small businesses.
60%
of loyalty programs fail to deliver ROI within 2 years
83%
of SMBs report poor engagement with their current program
15+
programs joined by consumers — only 7 ever used
15%
of platforms use AI — despite 40% higher engagement
The Solution
AI-powered loyalty that actually works.
Enterprise-grade intelligence. SMB simplicity. Coalition scale.
🧠

AI Intelligence

Predicts churn before it happens. Personalizes offers per customer. 40% higher engagement vs. static campaigns.
Enterprise AI · SMB Price
🔗

POS-Native Integration

Live in 5 minutes — no new hardware. Square, Shopify & Toast connectors. Works with existing checkout flow.
Zero Friction Setup
👥

Coalition Network

Merchants share customer base. Points earn across partner stores. Neighbourhood-level data insights.
Network Effect
🛍️

Reward Marketplace

Gift cards, miles, travel & charity. Higher perceived point value. Drives repeat visits & basket size.
One-Stop Redemption
Architecture
One program. Every merchant. Every customer.
The Gratifi Coalition Loyalty Architecture connects merchants, intelligence, and consumers.
1 · Merchant Onboarding

SMB Merchant Joins

AI-guided setup in under 5 minutes. Connects Square + Shopify.

White-Label Loyalty

Own brand, custom rules, merchant wallet.

Coalition Network

Join shared network, standardized rules, shared wallet.

2 · Gratifi Core

AI Intelligence

Churn prediction, personalisation & offer optimisation.

POS Integration

Native connectors for Square and Toast.

Smart Ledger

Real-time points issuance, tracking & reconciliation.

Reward Marketplace

One-stop marketplace for redeeming points.

3 · Consumer Experience

Earn Gratifi Points

Points issued at every qualifying transaction.

Gratifi Consumer Wallet

Single wallet across all participating merchants.

Redeem at Marketplace

Gift cards, air miles, charity, travel & merchandise.

Repeat Spend & Retention

Measurable lift in visit frequency and basket size.

Business Model
Four revenue streams. Compounding economics.
Revenue Stream 1

SaaS Subscription

Fixed monthly fee per location for the Gratifi platform — AI, POS integration, smart ledger, and dashboard.

BillingPer merchant / month
ModelRecurring · predictable
Scales withMerchant count
Revenue Stream 2

Transaction Revenue Share

A small percentage of each qualifying transaction when points are issued.

TriggerPer qualifying txn
ModelVariable · volume-linked
Scales withTransaction volume
Revenue Stream 3

Breakage Revenue

A portion of issued loyalty points are never redeemed. Gratifi retains a share as passive income.

TriggerUnutilised points expiry
ModelPassive · margin-enhancing
Scales withPoints issued
Revenue Stream 4

Advertising Revenue

Global brands pay on a CPC basis to reach high-intent Gratifi consumers.

ModelCPC · performance-based
BuyersCPG & retail brands
Scales withConsumer network
Revenue Layer 2
Retail Media Network. A second revenue engine.
Loyalty data becomes ad inventory. CPG brands pay to reach high-intent consumers.
$40B+
Untapped SMB retail media opportunity
2–3×
Incremental revenue vs. SaaS alone — BCG proven
£500M+
Sainsbury's Nectar360 annual retail media revenue
Market Opportunity
$20B+ US loyalty market. Before it consolidates.
$12.89B
US Loyalty 2025
$20.36B
Projected 2030
9.6%
CAGR Growth

SMB Retail & Restaurant NOW

• 34.8M small businesses — 99.9% of all US businesses
• 264K+ specialty retail stores growing at 6.6% annually
• 660K+ restaurants actively seeking loyalty solutions
• $8B+ addressable market in the SMB segment alone

Why AI-First Wins NOW

• Incumbents lack true AI — rules-based, not predictive
• Merchants demand measurable ROI — AI closes this gap
• AI personalisation is now a baseline expectation

US Market Growth NOW

• $12.89B → $20.36B by 2030 at 9.6% CAGR
• Driven by digital transformation & AI adoption
• SaaS gaining traction over legacy point solutions

Bank Loyalty Expansion PHASE 2

• 4 of top 5 banks in India use our platform
• US regional banks are a large, underserved segment
• SMB success bridges to enterprise bank deals
Competitive Landscape
Built different. Positioned to win.

Thanx

Card-Linked CRM · USA
VC Raised~$34M
ModelSaaS + Rev Share
Strengths
Zero POS frictionCRM-first
Risks
Low awarenessToast threat

Nectar360

Coalition + Media · UK
Members~18M
Media Target£100M+/yr
Strengths
18M profilesDual revenue
Risks
Legacy techTesco rivalry

Square Loyalty

POS-Native SMB · USA
Parent Rev$21.9B
PricingFrom $45/mo
Strengths
Massive SMB reachLow cost
Risks
Limited AIHigh churn

Paytronix

Enterprise · USA
Revenue~$100M+
Clients1,800+
Strengths
Deep features50+ POS
Risks
Complex setupToast/Square
Go-to-Market Strategy
Three phases. 18 months to scale.
Phase 1 · 0–6 Months

Build & Validate

By Sep 2026
Prove product-market fit with early US merchants.
Finalise MVP. Recruit 5–10 pilot merchants via Square and Shopify. Build 2–3 case studies.
Phase Target
10 merchants live · 2 case studies
Phase 2 · 6–12 Months

Launch in US

By Mar 2027
Establish commercial US presence and expand.
Incorporate US entity. Scale to 10–15 merchants. Adapt for US compliance.
Phase Target
15 merchants · US entity live
Phase 3 · 12–18 Months

Scale & Expand

By Sep 2027
Drive broad adoption and activate retail media.
Integrate Fiserv, Toast, Klarna. Launch retail media network. Build partner channels.
Phase Target
500+ merchants · RMN live
The Ask
Seed round. $3–5M to capture the market.
Raise Amount
$3–5M
Seed round
Equity Offered
10–15%
Implied valuation $20–50M
Runway
18 mo
To Series A readiness
10%
Product Dev
India-based engineering & MVP completion
10%
US Market Entry
Entity setup, pilot merchants, integrations
20%
US Team Hiring
Sales and customer success roles
50%
Sales & Marketing
Merchant acquisition and brand awareness
10%
Compliance
CCPA, US incorporation, legal counsel

The future of SMB loyalty starts here.

Gratifi Loyalty. AI-first coalition loyalty for America's 34 million small businesses.

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