For Banks & Card Networks
Cardholder loyalty, off your balance sheet.
Qubi ships as an API module inside your bank app or POS marketplace — merchant-funded rewards, geotriggered offers, and pay-per-visit ads. No core migration, live in a quarter.
Off B/S
Reward liability
$1,450
Avg. fintech customer acquisition cost
First Page Sage / Focus Digital
50–70%
Loyalty-program dormancy
CFPB Rewards Spotlight, 2024
$187B
U.S. card interchange market (2024)
Qubi Business Plan
$3–5
Blended consumer CAC via bank distribution + viral mechanics
Qubi Business Plan
Zero reward liability
Rewards are 100% merchant-funded — engagement moves off the FI balance sheet entirely. CFO-safe by design.
New recurring SaaS revenue
Tiered merchant plans ($99–$599/mo) plus revenue share on merchant-funded rewards. Predictable MRR at 70–80% gross margin.
White-label, 8–12 week deploy
Embed as a module inside your existing bank app or POS marketplace — no core migration, no rip-and-replace.
Top-of-wallet behavior
Payment velocity and daily engagement with Gen Z and Millennial cardholders — the segments loyalty cards can't reach.
Where we're engaged
Where Qubi is engaged today
- National bank branch reintroduction campaigns
- Credit-union innovation network (CURQL — 50 companies)
- Merchant-acquiring channels via ISO/agent partners
- Card program partners and payment networks
“Distribution at zero marginal CAC — activated at account opening and card enrollment.”