The open merchant-funded rewards network

Merchant-funded rewards, inside the banking apps people already use

Merchants fund spend-based rewards. Financial institutions and wallets deliver them to their customers. Purchases match automatically — across cards, PIX and other rails — merchants pay only on redemption, and no PII is ever exchanged.

I'm a MerchantI'm a Financial Institution

Pay-per-redemption

No upfront cost

Tokenized

No PII exchanged

Real-time

Match latency

EN/ES/PT

Product UX

The network

Merchantfunds the offer
Saldomatches & settles
Institutiondelivers in-app
Customerredeems

A customer makes a qualifying purchase at the merchant — by card, PIX or wallet — Saldo matches it in real time, and the reward is redeemed. Merchants pay only then, and only tokens cross the wire.

How it works

Three parties, one network

No direct merchant-bank integration needed. Saldo is the only wire between everyone.

Step 01

Merchants create offers

Set a spend threshold and reward amount — 'Spend $200, get $15 back.' Offers are funded by the merchant and reviewed by the institution.

Step 02

Banks deliver to cardholders

Institutions browse the catalog, approve offers, and surface them in their app via Saldo's embeddable widget or API.

Step 03

Purchases match automatically

When a cardholder transacts at the merchant, Saldo's matching engine confirms eligibility and triggers the cashback in seconds.

Why Saldo.tech

Built for the way CLO actually works

Pay only on redemption

Merchants are charged only when a cardholder actually redeems. No upfront costs, no impression fees, no campaign minimums.

No PII exposure

Saldo operates on tokenized identifiers only. Names, emails, addresses, card numbers — none of it ever touches our platform.

Open network

Any merchant can list offers. Any bank, credit union, or fintech can deliver them. Saldo is the sole intermediary — never a middleman.

Real-time matching

Transaction matching happens in seconds via webhook. Cardholders see the reward appear immediately after a qualifying purchase.

US + Latin America

Fully trilingual platform built for the US and LATAM markets from day one. Every screen renders cleanly in English, Spanish, and Brazilian Portuguese.

White-label ready

Institutions embed Saldo's widget with their own branding. Cardholders see only the bank — no Saldo logo, no Saldo references.

AI, built in

Intelligence in every workflow

From drafting offers to catching fraud, purpose-built agents do the heavy lifting — deterministic at the core, human-in-the-loop, and never touching cardholder PII.

Copilots

Draft an offer from a goal, and ask what a change will affect — in plain language.

Risk & fraud

Automatic risk scores and anomaly monitoring for every offer and feed.

Yield & personalization

Tune underperformers and rank each cardholder's feed by affinity.

Explore Saldo AI

FAQ

Frequently asked questions

What is Saldo.tech?

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Saldo.tech is a two-sided B2B marketplace where merchants list card-linked offers (CLOs) and financial institutions deliver those offers to their cardholders. Think Chase Offers or Amex Offers, but as an open network any bank or merchant can join.

How do card-linked offers work?

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A merchant creates an offer like 'Spend $200 at our store, get $15 back.' Financial institutions show this offer to eligible cardholders in their banking app. When a cardholder adds the offer and makes a qualifying purchase, Saldo.tech automatically matches the transaction and triggers the cashback reward. The merchant is charged only on successful redemption.

How does Saldo.tech make money?

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Saldo.tech takes a 10-15% transaction fee on each successful redemption. Merchants pay the gross reward amount, Saldo retains its fee, and the financial institution receives the net payout to credit to the cardholder. There are also optional monthly network access fees for institutions and promoted placement fees for merchants.

What data does Saldo.tech store about cardholders?

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Saldo.tech stores only anonymized, tokenized identifiers generated by the financial institution — never names, emails, addresses, card numbers, or any personally identifiable information. The mapping between tokens and real customer identity stays within the financial institution's own systems.

Which countries does Saldo.tech support?

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Saldo.tech operates in the United States and Latin America. The platform is fully trilingual (English, Spanish, and Brazilian Portuguese) across all interfaces.

How do financial institutions integrate with Saldo.tech?

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Financial institutions integrate through a webhook-based API. They post transaction events to Saldo.tech's API, embed our offer widget in their banking app, and receive real-time notifications when cardholders redeem offers. The integration uses tokenized identifiers only — no PII crosses the boundary.

Ready to grow your offer network?

Join the marketplace connecting merchants and financial institutions through card-linked offers.

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