Your platform for a branded benefit currency

Ecoo provides the platform for creating and managing your own branded benefit currency. People can receive, earn, or buy the currency and use it to pay at businesses selected for your program.

You define the offer and the rules. Ecoo connects the digital wallets, program administration, payments, and reporting.

It is a digital balance with a defined spending value, offered under your brand. People can use it to pay for products and services within your selected network.

You choose its name—for example, a coin, reward, or member credit—and decide who can receive it and where it can be spent.

It gives people a useful benefit they associate with your brand, creating reasons to interact with you between purchases, visits, or renewals.

The goal can be stronger customer loyalty, more repeat visits, better employee benefits, or increased spending at local businesses. You control where the benefit applies and can measure how it is used.

Ecoo supports four main applications:

• Customer and member benefits.
• Employee benefits.
• Cities and destinations.
• Rewards and incentives.

The platform can support different industries. Each program is built around its audience, objectives, participating businesses, and funding.

Depending on your program, people can receive it as a benefit, earn it through a qualifying purchase or verified activity, or buy it—including at a discount funded by your organization.

Automated rewards may require connections to your existing systems. We define those requirements before implementation.

The funding depends on your program. Your organization can fund the full benefit, participants can purchase the currency, or you can cover part of the purchase price.

For example, if participants buy currency at a discount, the agreed funding covers the difference between what they pay and what they can spend. Ecoo provides the platform; funding responsibilities are agreed separately.

You define the currency’s name and branding, who qualifies, how it is distributed, and which businesses can accept it.

The program can also include purchase limits, spending limits, and expiration dates. We confirm the available controls and any additional requirements when defining your setup.

At businesses and service providers approved for your program. Depending on the setup, this can include your own locations, selected partners, or a local business network.

The currency is accepted within that network—not automatically everywhere.

A ready-made network is not automatically included. You can build a program around your existing partners or recruit businesses that fit your audience.

Before launch, we agree on who recruits, approves, sets up, and supports participating businesses. Businesses participating in another Ecoo-powered program are not automatically part of yours.

People access a digital wallet, check their available balance, and find participating businesses. In a typical setup, they pay by scanning a business’s QR code or completing a payment request.

The platform checks the balance and program rules, confirms the payment, and records the transaction.

Payments made with the currency are recorded and reconciled so participating businesses can receive their payouts.

Ecoo provides transaction records and settlement reporting. Who holds the funds, who makes the payouts, and the payout schedule are defined for each program.

Your currency connects a campaign with something people can actually use. Your brand stays visible when they check their balance, discover participating businesses, and pay.

Campaign tools can help you introduce offers, promote partners, and remind participants to use their available balance. Reporting helps you understand which campaigns lead to activity within the program.

Depending on your setup, reports can show participation, currency issued or purchased, spending, remaining balances, repeat use, and activity across participating businesses.

This helps you understand where and how your currency is used. Reporting covers activity within your program—not all customer spending. Measuring wider effects, such as lower customer churn or additional sales, requires a separate analysis.

Ecoo can provide the currency, wallet, and payment functions within a broader customer or member offering.

Connections to existing apps, customer systems, and other services are assessed individually. We agree on the interfaces, data permissions, testing, and responsibilities before confirming the implementation.

CSS, a Swiss health insurer, uses Ecoo technology for CSS Coin. Eligible customers with supplementary insurance can buy CSS Coins at a discount and spend them at participating businesses offering health-related products and services.

CSS funds the discount, its operating partner manages the service, and Ecoo supplies the underlying technology.

Account verification, access permissions, and transaction records help control how the program is used and managed.

We define data access, permitted uses, security requirements, and operating responsibilities for each implementation. Reporting and marketing activities must follow the agreed privacy requirements.

The timeline depends on the program’s scope, branding, system connections, participating business network, and operating requirements.

We distinguish between existing platform functions, configuration, and any additional development, then agree on an implementation and testing plan.

Start with who you want to reach and what you want the program to achieve.

Together, we define the benefit, funding, participating businesses, rules, reporting, and any system connections. From there, we agree on the platform setup, operating responsibilities, and rollout.