Prism : The Federated Value Platform

A bridge from today’s fragmented value—points, miles, gift, cards, crypto— to a future where everything behaves like a digital asset.

See what’s inside See reference architecture
Federated Value Platform Bridge Fragmented value sources on the left flow through a governed Federated Value platform in the center, then out to three pillars on the right: Business, Developer, and Financial. Fragmented Value (Today) Points Miles Gift Balance Brand Credit Cards Digital Assets Coupons Gift Cards Governance & Policy Valuation & Quotes Payment Orchestration Settlement & Payouts Events, Webhooks, Reporting Prism Federated Value Platform Future-ready (Who benefits) Customer Simple pay & earn with real ownership. Business Accept any value; settle your way. Developer APIs & SDKs for any stack. Financial Rails, treasury, and risk controls.
For developers → For partners → Explore platform modules →

Inside the Prism Federated Value Platform

Technology building blocks for developers + business controls for operators—governed in one layer.

Technology

Composable building blocks

Use hosted flows, drop-in components, or go headless with APIs.

APIs & Webhooks
Orders, quotes, valuation, settlement, events.
SDK & Components
Acceptance UI, wallet/payout modules, exchange widgets.
Orchestration
Split-pay routing, tender priority, fraud/risk hooks.
Data & Reporting
Events, ledgers, exports; BI-ready schemas.
SDK guide → API reference → Hosted setup →
Business

Operational control & governance

Run programs safely across merchants, issuers, and partners.

Payouts & Settlement
Cadence, FX prefs, reconciliation, refunds.
Policy Guardrails
Limits, categories, returns; program-aware risk.
Catalog & Inventory
Travel, Apple®, gift cards, 1M+ items.
Dashboards & SLAs
Uptime, response, incident management.
Governance & SLAs →

Loyalty Acceptance

Redeem points/miles/gift/credit at checkout with split-pay and instant confirmation.

Explore →

Merchant Wallet & Payouts

Consolidate settlement, control FX, automate reconciliation and refunds.

Explore →

Federated Exchange

Governed swaps across programs; inventory sourcing and cross-brand redemption.

Explore →

Overview

Hosted

Fastest time‑to‑value. Drop‑in pages and prebuilt flows for acceptance, redemption, and payouts.

Components

Mix‑and‑match modules (Acceptance, Wallet & Payouts, Exchange) into your site or app.

Headless

Full API control with webhooks, auth, and governed settlement for complex enterprise stacks.

Platform modules

Loyalty Acceptance

  • Redeem points, miles, gift balance, and brand credit at checkout
  • Split‑pay with cards, wallets, or bank rails
  • Real‑time value quotes and risk controls
See how it works →

Merchant Wallet & Payouts

  • Instant settlement to your preferred rails
  • Refunds and reconciliation that actually reconcile
  • Disbursements to customers, partners, and suppliers
Payout options →

Federated Exchange

  • Governed swaps across points, brand credit, gift, and digital assets
  • Program‑to‑program settlement with guardrails
  • Enterprise reporting and SLAs
Governance & SLAs →

Reference architecture

A governed Federated Value layer sits between your channels and partner programs. APIs, webhooks, and policies ensure safe acceptance, conversion, and settlement—without touching your core systems.

Channels

Web, app, POS, marketplace, call center.

Federated Value Layer

Valuation, policy, risk, orchestration, and eventing.

Programs & Rails

Banks/issuers, loyalty programs, wallets, card/bank rails.

Governance & SLAs

Policy guardrails

Program‑level rules for value limits, categories, and returns.

Settlement & payouts

Configurable timing and rails; clear reconciliation and dispute flows.

Support tiers

SLA options for uptime, response, and incident handling.

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