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TAP API for High-Volume B2C Brands
A rewards + behavior engine that lives inside your product — without building a points bank, a catalog, or a new loyalty roadmap.
TAP is a universal rewards currency and engagement infrastructure that lets high-volume B2C brands reward the behaviors that drive revenue, while TAP manages the underlying economy, rules, and Marketplace redemption layer.
You keep your app. You control your budgets. We power the outcomes.
Executive Summary
For CEOs
Stop buying growth over and over. TAP helps turn one-time usage into habit, repeat revenue, and stronger lifetime value — without training customers to wait for discounts.
For CMOs
A measurable behavior channel, not another awareness layer. Reward real actions, run clean cohorts, and tie incentives directly to retention, frequency, and add-on attach.
For CFOs
A controlled, lower-cost alternative to discount spend. Points can be targeted and capped — and can cost far less than cash promotions.
Why Now
The playbook for high-volume consumer growth is changing:
CAC remains volatile and harder to forecast.
Consumers are saturated with generic, single-brand rewards.
Discounting is becoming structural — a quiet, ongoing margin leak.
The winners are shifting to precision incentives tied to verified behavior with measurable retention ROI.
TAP is built for this new reality.
The Growth Trap You're Already In
Most high-volume B2C brands hit the same ceiling:
  • CAC rises and becomes less predictable.
  • Discounts create temporary volume spikes but train long-term price sensitivity.
  • Internal loyalty builds turn into multi-quarter projects with unclear ROI.
  • Even "points" initiatives fail because the hardest part isn't issuing points — it's keeping them valuable and desirable over time.
TAP exists to replace expensive behavior change with cheaper, more precise incentives — and to make it measurable.
What TAP API Is
TAP is an embedded rewards rail.
Your app remains the customer experience. Your system sends verified events to TAP. TAP issues points, enforces rules and caps, and manages redemption through the TAP Marketplace.
You do not need to build:
  • A points ledger
  • A rewards catalog
  • Fraud and abuse logic
  • Complex lifecycle reward rules
  • A redemption experience that stays exciting year after year
You do:
  • Choose the behaviors that matter
  • Set point values
  • Define caps, budgets, and cohorts
  • Measure lift and scale what works
No new app. No new checkout. No replatform.
The Unit-Economics Switch
Replace margin-draining discounts with capped, targeted points.
€0.007
Cost per point
As low as
€0.07
10 points
Approximately
vs
€10
€10 off discount
Full cost
This is the difference between broad spend that erodes price integrity and precision incentives that shape behavior with controlled cost.
A Universal ROI Pattern
You don't need heroic assumptions to see impact.
Illustrative model:
Replace a portion of broad discount spend with targeted points
Apply incentives only to high-intent cohorts
Enforce strict caps and time windows
Measure lift in repeat/renewal/attach
Scale only the actions that show payback

Result: Lower incentive cost + higher precision + measurable behavior lift.
Why Single-Brand Loyalty Hits a Ceiling
Closed systems only see a narrow slice of customer life.
That limits:
  • Intent prediction
  • Churn-risk detection
  • Cross-category relevance
  • Long-term perceived value of points
Customers end up with:
  • Another isolated points balance
  • Another redemption bottleneck
  • Another program that loses momentum
Why TAP Wins (Beyond the API)
Most loyalty APIs give you a points mechanism. That's not the hard part.
The hard part is keeping points meaningful and consistently redeemable — without creating a permanent internal loyalty operations burden.
TAP provides:
A universal points currency
A maintained Marketplace
A rules engine designed for scale
Guardrails that keep liability controlled
This turns "points" into a durable growth lever — not a short-lived feature.
The Multi-Merchant Advantage
TAP is multi-merchant and multi-category by design.
As the network scales, TAP builds richer cross-category behavioral signals that can help improve incentive efficiency for every participating brand.
What you gain in practice
High-intent reactivation cohorts
Off-peak / low-demand precision nudges
Upgrade and add-on propensity targeting
Smarter referral targeting
Cross-category discovery effects
This is not "data for data's sake." It's less wasted incentive spend and more measurable lift per euro.
TAP as a New Retention Distribution Channel
TAP doesn't just issue points. It increases the perceived value of your incentives by making them part of a broader, durable rewards economy.
When customers earn points that feel useful beyond a single brand, you typically see stronger:
Adoption
Motivation
Repeat behavior
Long-term retention
Experience & Experimentation
TAP is designed for clean growth testing:
Cohort-based launches
Time-windowed incentives
Behavior-level ROI measurement
Clear scale/kill decisions
Reward real outcomes, not guesswork.
Data & Control
Your customers remain your customers.
You control:
  • Which events you send
  • Which actions earn points
  • Eligibility criteria
  • Segment-level budgets
  • Time windows
  • Experiment logic
TAP provides:
  • The currency + ledger + rules
  • Fraud-aware constraints
  • Marketplace redemption
This is built to support enterprise governance and procurement comfort.
CFO-Safe by Design
This is not an uncapped loyalty liability.
You can enforce:
Per-user caps
Per-event caps
Per-cohort caps
Monthly ceilings
Conversion-gated referral rewards
Time-limited campaigns
Examples:
  • "Max 60 points per user per 30 days."
  • "Off-peak incentive capped at 5,000 redemptions/month."
  • "Referral bonus only after verified conversion."
The Smallest Integration That Works
Start with a minimum viable set:
Choose 3–6 actions
Assign modest point values
Add caps
Launch to a cohort
Measure lift
Expand only what proves ROI
What We Need From You (Minimal Internal Load)
To get value fast, you typically need:
1
1 Product owner to define events
2
1 Engineer to wire event plumbing
3
Finance to approve caps and ceilings
This is intentionally designed to be light.
Default Starter Packages (Low, Sustainable, Executive-Friendly)
Activation Pack
  • Account creation: 5 pts
  • First meaningful action: 10 pts
  • First-week streak milestone: 10–15 pts
Retention Pack
  • Second qualifying action within 30 days: 15–20 pts
  • Monthly streak milestone: 20 pts
  • Early renewal milestone (if relevant): 15–25 pts
Acquisition Pack
  • Referrer: 25–40 pts after verified conversion
  • Friend: 25–40 pts on first qualified action
Everything is adjustable anytime.
TAP vs. The Two Real Alternatives
TAP vs Building In-House
You can build a basic points ledger. Most teams underestimate what you also inherit:
  • Catalog ops + vendor sourcing
  • Liability strategy
  • Fraud policy ownership
  • Multi-team roadmap coordination
  • A permanent loyalty product burden
TAP removes the build and the ongoing operational drag — while giving points broader utility.
TAP vs Standard Loyalty Platforms
Traditional loyalty tools often remain closed loops.
TAP adds:
  • A universal currency narrative
  • A maintained Marketplace
  • Multi-category signals that improve incentive efficiency over time
  • A demand-shaping mindset built into the model
Commercial Model
We typically charge per point issued, with optional enterprise platform components for governance, support, and scale — designed to align cost with verified outcomes.
A Clean Pilot Your Teams Can Approve
Who's involved
Product
event definitions
Growth/Marketing
cohorts + campaign logic
Finance
caps + budgets
Legal/Security
governance review
What success looks like
Choose the metrics that matter most:
  • Repeat usage lift
  • Renewal lift
  • Add-on attach increase
  • Reduced discount reliance
  • Higher referral conversion
  • Improved survey completion
Safe to Experiment
This is designed to make experimentation safe.
If a capped pilot doesn't demonstrate measurable lift within the defined budget ceiling, you don't scale. No open-ended commitment. No runaway liability.
Use Cases & Examples
Below are category-specific examples of how brands can use TAP API to drive measurable outcomes with modest point budgets and strict caps.
Low Cost Carrier Airlines
Reward high-margin behaviors without fare dilution.
Events to reward:
  • account_created
  • first_booking
  • second_booking_60d
  • ancillary_added (bags, seats, priority)
  • off_peak_selected
  • low_demand_route_selected
  • referral_converted
  • post_flight_survey_completed
Why this makes more money:
  • Higher repeat booking rate
  • Higher ancillary attach
  • Demand shaping without public discounting
  • Measurable campaign-to-revenue attribution
Train / Rail Operators
Build habit and improve capacity utilization.
Events to reward:
  • account_created
  • first_trip
  • pass_renewed
  • off_peak_trip
  • monthly_travel_streak
  • referral_converted
  • service_survey_completed
Why this makes more money:
  • Higher renewal predictability
  • More consistent commuting habits
  • Off-peak smoothing at lower cost than discounts
Urban Mobility
Frequency is the flywheel.
Events to reward:
  • first_ride
  • 3_rides_weekly
  • off_peak_ride
  • zone_completion
  • referral_converted
Why this makes more money:
  • Habit reinforcement
  • More predictable utilization
  • Less reliance on ride discounts
Subscription Apps
Retention gains compound fast.
Events to reward:
  • trial_to_paid
  • renewal
  • feature_milestone
  • content_streak
  • survey_completed
  • referral_converted
Why this makes more money:
  • Higher renewal rates
  • More product adoption
  • Cheaper churn reduction than winback discounts
Marketplaces
Trust + repeat purchase drive the loop.
Events to reward:
  • first_purchase
  • second_purchase_30d
  • verified_review
  • referral_converted
Why this makes more money:
  • Higher conversion through verified trust
  • More repeat transactions
  • Referral channel becomes measurable
Fitness / Wellness
Points as habit glue.
Events to reward:
  • weekly_streak
  • program_completed
  • class_booking
  • referral_converted
  • feedback_survey_completed
Why this makes more money:
  • Higher adherence
  • Lower churn during drop-off windows
  • More predictable engagement
Consumer Fintech
Incentivize healthier, higher-LTV behaviors.
Events to reward:
  • account_verified
  • first_deposit
  • first_card_use
  • monthly_savings_goal_hit
  • bill_paid_on_time
  • referral_converted
  • feedback_survey_completed
Why this makes more money:
  • Better activation
  • More stable usage
  • Lower risk behaviors
  • Stronger referrals
Gaming / Lifestyle Apps
Complement your internal economy.
Events to reward:
  • daily_streak
  • weekly_challenge_completed
  • bundle_purchase
  • referral_converted
Why this makes more money:
  • Increases engagement without inflating premium currency
  • Gives real-world redemption utility
  • Strengthens long-term value perception
Stop paying full price for behavior change.
Shift from broad discounting and rising CAC to capped, targeted incentives backed by a universal redemption layer.
Request a Capped API Pilot
We'll deliver:
  • A 3–6 action plan
  • Conservative point values
  • CFO-grade caps and monthly ceilings
  • A cohort launch structure
  • Clear success metrics for scale/kill decisions
Get the Executive Action Blueprint
A one-page, category-specific plan designed for fast internal approval across Product, Growth, and Finance.