# Xoxoday - llms-full.txt > Full-text companion to llms.txt. This file contains extended page content (not just links/descriptions) for the core pages of Xoxoday's three products - Plum, Empuls, and Loyalife - for use by AI agents and LLM-based crawlers. Current coverage: Plum (complete - overview, pricing, Rewards API, Admin Portal, Embedded Storefront, MCP); Empuls (overview + pricing only - AI, Recognition, Benefits, and Social Intranet pages are queued); Loyalife (overview, pricing, member management, member engagement, loyalty rewards, and the full technology stack). Solutions-by-role, individual solution verticals, marketplace sub-categories, case studies, blog, and guides remain link-only, as in llms.txt. --- ## PLUM - Rewards, Incentives & Payouts Platform ### Plum Overview URL: https://www.xoxoday.com/plum Plum is a global rewards, incentives, and payouts platform. It gives recipients access to 10M+ reward options across 30+ categories in 150+ countries, deliverable via dashboard, API, or an embedded storefront. **Delivery formats:** - Reward Points - credited to user accounts, redeemable against the global marketplace; ideal for loyalty and repeat-incentive programs. - Reward Codes - alphanumeric codes redeemable without login; ideal for campaigns, gifting, surveys, bulk rewards. - Reward Links - trackable links shared via email/SMS/WhatsApp; tracks clicks and redemptions. - Rewards API - triggers and manages reward distribution programmatically from a company's own product/workflow. - Marketplace Integration (SSO) - users access a branded rewards marketplace via SAML 2.0, OIDC, SCIM. - iFrame Embed - responsive iFrame catalog embedded in any app, portal, or website. **Why Plum:** built for global scale (multi-language, multi-currency, public/private cloud/on-prem deployment); SOC 2 Type II, ISO 27001, GDPR, CCPA, CRPA certified; transparent pricing with no hidden markups; 24/7 global support; fully configurable branding; 10M+ rewards across 150+ countries in 30+ categories. **Integrations:** Salesforce, HubSpot, Zoho CRM, Pipedrive, Freshworks, Marketo, 6sense, Demandbase, and more - rewards trigger automatically from CRM/marketing-automation events (e.g., a lead reaching a stage or completing a campaign goal). **Use cases across teams (7):** Consumer Rewards (promotions, sweepstakes, spin-the-wheel, scratch cards), Payouts (prepaid cards, 25+ currencies, bulk CSV/API sends), Survey Rewards (Qualtrics/SurveyMonkey/Typeform integrations), Channel Incentives (Visa/Mastercard gift cards, CRM-integrated automated workflows), Corporate Gifting (bulk send, CRM integrations, 150+ countries), ABM Rewards (buyer-stage-triggered gifts, ROI tracking, 6sense/Demandbase integration), Referral Rewards (automated across employee/customer/partner programs). **Customers cited:** Adobe, Behr, Capgemini, Cosentino, Continental, Freshworks, H&M, HSBC, Kantar, Kennametal, Kohler, Michelin, Nielsen, Xero. Xero's Head of Growth Marketing credited Plum with a fully automated referral program that grew 20% year on year; H&M's HR Business Partner praised Xoxoday's rewarding process and customer service; Nielsen's regional panel leader (APAC) noted survey-incentive distribution moved from manual, multi-week coordination to full automation. **FAQ highlights:** Points accumulate in a login-based wallet (best for ongoing programs); Codes support guest checkout/physical distribution (best for gifting); Links are single-use, no login required (best for one-time incentives). All three deliver via email, SMS, or WhatsApp. --- ### Plum Pricing URL: https://www.xoxoday.com/plum/pricing Three ways to send rewards, each priced to the program rather than a fixed tier: 1. **Rewards Hub** - no-code dashboard: bulk/individual sending, recipient segmentation, real-time redemption tracking, budget controls and approval workflows, branded email/SMS delivery, pay-on-send or pay-on-redeem models, role-based access, campaign scheduling. 2. **Plum APIs** - Rewards API, Points API, Reward Links API, webhook support, sandbox environment, API key management/rate limiting, pay-on-redeem model, full developer docs. 3. **Plum Storefront** - white-labelled redemption experience, SSO/custom auth, points-balance sync via API, localized catalog per region, custom branding/domain, standard or fully custom build, pay-on-redeem, multi-currency support. **Standard in every plan:** 30+ reward categories across 150+ countries (Amazon B2B catalog available as an add-on); email/SMS/WhatsApp delivery with domain authentication and branded templates; role-based governance with maker-checker workflows; real-time reporting with audit-ready exports. **Paid add-ons:** Amazon B2B catalog (US/UK/India/Spain/Germany, gated behind Brand KYC), custom storefront build, multi-currency multi-account setup, end-user KYC for regulated markets, multi-lingual localization, premium SLAs + dedicated CSM, on-premise deployment (for banks/healthcare/government). Business Verification (KYB) is standard, not a paid add-on. **Billing model:** pre-funded wallet. "Pay when you send" gives a discount on wallet recharge; "Pay when it's redeemed" (available across all three delivery modes) applies a platform fee plus a per-transaction fee. --- ### Rewards API URL: https://www.xoxoday.com/plum/platform/rewards-api Lets companies embed global rewards inside their own product without building fulfillment, vendor contracts, or catalog operations - Plum's REST API handles fulfillment, compliance, and delivery. **Core value props:** native in-product delivery (no redirects/third-party branding); enterprise-grade reliability (idempotency support, real-time webhooks, reconciliation-ready reporting); global coverage (150+ countries, multi-currency, one integration). **Developer features:** RESTful endpoints; filters by country/currency/denomination/category; SDKs/examples in cURL, Ruby, Python, Java; headless architecture; API versioning; webhooks (no polling); interactive docs with live testing; dedicated sandbox mirroring production; an "Ask AI" documentation assistant at developers.xoxoday.com. **Catalog via API:** six reward categories - Gift Cards (10,000+ SKUs, 150+ countries, instant code delivery, wallet balance checks, order tracking, finance-grade reconciliation), Merchandise, Lounge Access, Charity, Mobile Top-ups, Perks. **Four API products:** Rewards API (direct control over UX), Reward Links API (automated personalized links via email/SMS), Reward Points API (points redeemable across the full catalog), Storefront Integration (SSO redirect into Plum's hosted, branded storefront). Sample request: ``` curl -X POST https://api.xoxoday.com/v1/orders \ -H "Authorization: Bearer sk_live_..." \ -H "Idempotency-Key: order_abc123" \ -d '{"product_id": "amazon_us", "denomination": 50, "currency": "USD", "recipient": "user@acme.com"}' ``` Authentication is bearer-token based (`Authorization: Bearer `); tokens should never be exposed client-side. --- ### Admin Portal (Rewards Hub) URL: https://www.xoxoday.com/plum/platform/admin-portal A single dashboard for launching, governing, and reconciling reward programs - distribution, budget governance, and finance-grade reporting in one workflow, without spreadsheets or vendor follow-up. **Distribution modes supported:** Reward Points, Reward Codes, Reward Links, Gift Cards, Rewards API, Embedded Storefront. **Five capability areas:** 1. *Campaigns & multi-channel delivery* - one campaign builder for email/SMS/WhatsApp/API/CRM; bulk upload up to 10,000 recipients per send; scheduled sends; parallel campaign management by region/use case. 2. *Branded communication* - customizable email templates, own domain/sender name; branded landing pages (logo, colors, typography, custom subdomain); AI-assisted copy drafting inside the campaign builder. 3. *Catalog customization* - fully branded marketplace on a custom subdomain; catalog filtering by country/denomination/brand/category; rename points to match brand terminology (e.g., "AcmeStars"). 4. *Program-level controls* - adjustable point-to-currency conversion rates in real time without pausing live campaigns; configurable Super Admin/Admin roles; user-level access management including visibility of wallet balances and reports. 5. *Reporting & analytics* - spend thresholds and delegated budgets; transaction filters by invoice/payment reference/status/reason/date range; configurable audit-ready report columns. **FAQ highlights:** most teams launch their first program in under two weeks; setup (branding, catalog) is no-code, CRM/HRIS integrations take a few hours via pre-built connectors; sandbox access starts day one. --- ### Embedded Storefront URL: https://www.xoxoday.com/plum/platform/embedded-storefront An SSO-embedded, branded reward marketplace (10M+ rewards, 150+ countries) that a company can drop inside its own product - Plum sources, delivers, and handles compliance; the company controls catalog, brand, and funding rules. **Capabilities:** wallet & budget controls with real-time spend alerts; automatic localization across 150+ countries/50+ currencies; fully brandable "points" currency (custom name, logo, domain - end users never see the Plum brand); configurable point-to-currency conversion per category; tier-based catalog visibility (e.g., Silver/Gold/Platinum); redemption controls (min-point thresholds, daily caps, cooldowns, approval gates); co-pay (points + payment gateway split); AI-personalized catalog ranking by redemption history and tier; program analytics/reporting (redemption volume, AOV, budget utilization); maker-checker governance with immutable audit logs; role-based access control; configurable approval workflows (with dynamic-pricing categories like flights/hotels able to bypass approval). **Five storefront models:** Company-funded rewards marketplace; Virtual points marketplace (no cash redemption, gamified engagement only); Discounted deals storefront (perks bought directly with money, no points); Standard whitelabeled storefront (fast, no-engineering launch); Custom storefront experience (deep brand control, used by banks/fintechs). **Integration:** one SSO call authenticates a user directly into the branded marketplace; catalog config by tier/geography/program; redemption webhooks; automated financial reconciliation reports. Sample request: ``` curl -X POST https://api.xoxoday.com/v1/marketplace/sso \ -H "Authorization: Bearer sk_live_..." \ -d '{"user_id": "usr_12345", "balance": 5000, "locale": "en-US", "theme": "branded", "return_url": "https://rewards.acme.io/done"}' ``` --- ### MCP for AI Agents URL: https://www.xoxoday.com/plum/platform/mcp Lets an AI assistant (Claude Desktop, Cursor, VS Code Copilot, or any MCP-compatible tool) build and operate a rewards storefront directly against Xoxoday's catalog, via the open Model Context Protocol standard. **Setup:** install with `npx -y @xoxoday/mcp-server` (or add to an MCP config file), set `XOXODAY_CLIENT_ID`/`XOXODAY_CLIENT_SECRET` as environment variables, then prompt the AI to build a storefront, place orders, or check balances. Xoxoday frames this as replacing a $30,000–$80,000, 2–3 month custom build with a free, open-source, hours-long setup that includes SOC 2/ISO 27001/GDPR compliance built in. **9 auto-discovered tools** (OAuth 2.0 auth, in-memory credential cache, 30-second timeout) include Get Vouchers (browse catalog), Place Order, Get Balance, and Order Details, among others. **Reward categories via MCP:** Gift Cards (10,000+ brands, 150+ countries) is live now; Lounge Access (1,200+ global lounges), Merchandise, Charity, and Mobile Top-up are listed as coming soon, with experiences/travel/crypto planned. **Example use cases:** B2C gift card storefront, loyalty redemption portal, corporate gifting portal (CSV upload, budget controls, bulk ordering), employee recognition platform. A sample prompt - "Build me a B2C gift card storefront with category browsing, search, cart, and checkout" - is shown generating a Next.js/Tailwind app with a category grid, multi-item cart, and email order confirmation. --- ## EMPULS - Employee Engagement Platform ### Empuls Overview URL: https://www.xoxoday.com/empuls Empuls is an AI-powered employee engagement platform combining recognition, rewards, surveys, benefits, and a social intranet in one console. Trusted by 5,000+ companies across 150+ countries. **Five platform pillars:** 1. *Social Intranet* - company-wide feed for leadership updates, team wins, and community groups; AI moderates content, surfaces what matters, and translates posts for distributed teams; supports town halls, live polls, pulse reactions, and AI-personalized feeds. 2. *Surveys & Insights* - pulse, lifecycle, 360-degree, and custom surveys from a research-backed question library; anonymous by design with confidentiality thresholds; AI-recommended action plans for HR/managers; multi-channel delivery with global benchmarks. 3. *Rewards & Recognition* - peer, manager, and leadership recognition; values-based awards, spot awards, nominations; AI nudges managers toward missed recognition moments; an AI Recognition Coach drafts messages; redemption against the global catalog (gift cards, experiences, merchandise, swag) across 150+ countries. 4. *Perks & Benefits* - 10,000+ brand discounts (groceries, fuel, travel); Lifestyle Spending Accounts (LSA); a Multi Benefits Card for tax-saving/flexible spending; wellness, insurance, and financial-wellbeing benefits; AI-personalized perk recommendations. 5. *Sales Incentives* - real-time leaderboards and contests, automated commission/SPIFF management, performance-linked milestone rewards, gamified team competitions. **Additional platform features:** Celebrations (automated birthdays/anniversaries/milestones), Milestone Rewards (service awards, tenure celebrations), Reports & Analytics (real-time dashboards, ROI tracking), Empuls AI (nudges, sentiment analysis, action recommendations), 50+ native integrations (HRIS, collaboration, identity, analytics). **ROI framing (what Empuls says it moves):** retention (AI flags flight risk pre-resignation), employer brand/hiring cost (higher Glassdoor/Indeed scores shorten time-to-fill), rewards-spend governance, effective compensation via tax-saving benefits with no new payroll cost, recognition culture that doesn't depend on individual managers, HR capacity reclaimed from admin work, and consolidation of 4–6 point tools into one contract. **Built for seven stakeholder groups:** HR, Leadership, Managers, Sales, Internal Communications, Finance & Procurement, CISO & IT - each gets a tailored view (e.g., HR gets recognition/surveys/perks/intranet in one console with AI-flagged at-risk teams; onboarding/milestone/exit playbooks; dashboards for engagement, recognition, and survey trends). **Customer quote:** a Senior Compensation Partner at Western Digital described consolidating recognition into a single program covering every country they operate in, citing a Cost-of-Living Index to keep awards fair across geographies and a marketplace spanning 150+ countries and 40 languages. **Customers cited:** AB InBev, AT&T, Acko, Angel One, CGI, DAMAC, Evolent Health, First American, Fractal, GCash, Infosys, InMobi, Mahindra, Rakuten, Riyadh Air, SanDisk, Tesco, Western Digital, 24/7 AI. --- ### Empuls Pricing URL: https://www.xoxoday.com/empuls/pricing Modular, per-employee-per-month SaaS pricing. Customers pick the modules that match current goals and add more later; billing scales to employees-in-scope and modules activated (no forced bundle). **Seven pickable modules:** 1. *Rewards & Recognition* - monetary/non-monetary recognition, peer-to-peer, manager-to-peer, jury awards, configurable-governance reward campaigns. 2. *Social Intranet* - central news feed, announcements/spotlights, polls & quizzes, feed personalization, "Ask Me Anything" leadership Q&A. 3. *Benefits & Perks* - discounted gift card store (1,000+ brands), multi-benefit tax-savings card, offers/deals/cashbacks, flexible benefits/LSA wallets, wellness benefits (gym, dental, vision). 4. *Health & Wellness* - corporate wellness programs, mental wellbeing programs, EAP & counselling, health check-ups/OPD, elderly care. 5. *Employee Listening* - engagement surveys, lifecycle surveys, 360° feedback, custom pulse surveys, onboarding/offboarding surveys. 6. *Employee Gifting* - occasion-based event gifting, career-milestone celebrations, personal milestones (birthdays/weddings/new baby), automated greetings, onboarding kits. 7. *Sales Incentives* - commission/incentive plans, performance-based incentives with KPI alignment, real-time payout tracking, quota/target visibility, custom leaderboards/contests. **Included with every plan:** global rewards marketplace across 100+ countries/currencies, SSO and enterprise-grade security, iOS/Android mobile apps, dashboards & analytics, onboarding & support. **Agentic AI:** the "Empuls Agent" acts inside connected tools (Slack, MS Teams, ticketing, CRM, HRMS, LMS) - it spots work, reads sentiment, and automates rewards - and is exposed two-way via MCP so external AI assistants (Claude, ChatGPT, Copilot, Gemini) can operate Empuls directly. **Add-ons/integrations:** HRMS & HRIS two-way sync (50+ platforms incl. Workday, SAP SuccessFactors, BambooHR, HiBob, Darwinbox, ADP, UKG, Keka, Zoho People, Personio); collaboration apps (Teams, Slack, Outlook, Google Chat, Viva Engage, Google Workspace, Zoom); learning/milestone triggers (Cornerstone, Docebo, SAP Litmos, Absorb LMS, Jira, Asana, Monday.com); helpdesk/ticketing triggers (Zendesk, Freshdesk, Jira Service Management, ServiceNow, Intercom). 100+ integrations total plus a full REST API. **Headline ROI stats cited:** -30% reduction in voluntary attrition among regularly recognized employees; 3x return on every dollar invested in structured rewards; +40% improvement in eNPS within 6 months of deployment; 99% of reward budgets fully deployed with zero manual tracking. **FAQ highlights:** per-employee-per-month pricing based on scope and active modules, no forced bundle purchase; multi-country deployment supported under a single contract. --- ## LOYALIFE - Customer Loyalty Platform ### Loyalife Overview URL: https://www.xoxoday.com/loyalife Loyalife unifies loyalty programs, rewards, member engagement, and member data on one platform so enterprises can run omnichannel loyalty programs without stitching together fragmented tools. Scale cited: 65M+ members managed, 150+ countries, $5B+ rewards distributed, 99.99% platform uptime. **Three audiences served:** Customers (omnichannel earn & burn, behavior-based benefits to lift basket size), Channel Partners (loyalty programs that drive repeat sales and performance), Influencers (gamified incentives/leaderboards to lift brand visibility). **Five platform pillars:** 1. *Loyalty Programs* - every program model from one configurable platform: audience-specific rules, budgets, reporting, white-label journeys, tenant-level controls. 2. *Member Management* - built-in Customer Data Platform (CDP) with unified 360° member profiles; privacy-first consent, access, and deletion workflows by channel. 3. *Member Engagement* - no-code marketing automation for program rules, segmentation, and omnichannel gamified campaigns/referral programs. Sub-modules: Rule Engine (earn/burn/eligibility logic with budget controls), Segments (dynamic audiences by lifecycle/behavior/channel/tier/consent), Tiers (thresholds, upgrades/downgrades, expiry), Campaigns (offer controls, approval paths, budget limits), Communication (email/SMS/WhatsApp/push/partner channels with consent controls), Gamification (missions, badges, leaderboards), Referrals (attribution, fraud checks, settlement), QR Codes (offline-to-digital capture), Scheme Banner (in-product promotion surfacing), Claims Management (intake, validation, approval routing), Video Management (completion-tracked reward triggers). 4. *Loyalty Rewards* - flexible earn & burn mechanisms backed by a marketplace of 10M+ redemption options across 30+ categories. 5. *Reports & Insights* - AI-powered real-time analytics across transactions, campaigns, member trends, and behavior in a customizable dashboard. **Additional governance/ops features:** Anomaly Detection (velocity spikes, duplicate patterns, suspicious redemptions), Maker Checker (approval gating on rules/campaigns/catalogs/budgets), Audit Trail (full traceability of configuration, member, reward, claim, approval, and data events), Marketplace (global reward supply and fulfillment routing). **Member-facing channels:** a white-labeled iOS/Android mobile app (own branding end-to-end, biometric login/SSO/consent, OTA updates without app-store review cycles) and a verified WhatsApp Business bot (two-way redemption, approved broadcasts, multilingual replies, live-agent fallback). **Global capabilities:** flexible on-premise or cloud deployment; full white-labeling; 30+ languages and 55+ currencies (points, cashback, game currencies, miles); multi-tenancy (independent program configs under one account); rule-based fraud/anomaly detection; 24/5 global support with dedicated account management. **Integrations:** API-first; named connectors include Salesforce, HubSpot, PayPal, Visa, Mastercard, Stripe, Twilio, Intercom, Oracle NetSuite, Shopify, Magento, Microsoft Dynamics, MoEngage, WebEngage, Alipay, Google Wallet. **Build-vs-buy comparison (Loyalife's own framing, "numbers from enterprise customer benchmarks"):** in-house build typically takes 9–12 months to first redemption with 3–5 engineers vs. 8–12 weeks with 0–1 FTE on Loyalife (~10x faster); marketers filing engineering tickets for every campaign change vs. a no-code studio (−50% tickets); 30–50 countries / ~50K reward options in-house vs. 175+ countries / 1M+ locally curated options on Loyalife (20x catalog); an ad-hoc, hard-to-audit ledger in-house vs. an idempotent, replayable reward ledger out of the box. **Customers cited:** AAT, Access, Al Masraf, Alkem Laboratories, Allied Bank, BNI, Bank BRI, Bank bjb, Bank of Maldives, CBI, Commercial Bank, Danamon, Eastern Bank PLC, Ecobank, Eurogrip, Landco Pacific, Mandiri, Mutual Trust Bank PLC, QIB, Siddhartha Bank, Stanley Black & Decker, Worldia, ahlibank, SAPTCO, TBO.com. **Customer quotes:** CBI (Manager, Cards Portfolio Management) praised Loyalife's client management and project-level accountability; Mutual Trust Bank (Head of Cards) said Loyalife elevated their "MRewardz" program and increased cardholder motivation; Ola Energy (Corporate Retail Officer) credited Loyalife as their loyalty provider across 17 African countries; TBO Holidays (Global Sales Effectiveness Leader) cited strong booker/agency response across 14 countries for their B2B travel rewards program. --- ### Loyalife Pricing URL: https://www.xoxoday.com/loyalife/pricing Modular pricing built around a base platform, optional add-ons, and volume-based per-member rates. **How it works:** every program starts on the base Customer Data Platform (covers members, tiers, rules, reports, full API access); customers then activate Engage, AI Assistants, or Enterprise Features independently; per-member volume rates drop automatically as the member base grows, with no renegotiation needed at renewal. **Base platform (Customer Data Platform) includes:** - *CDP:* comprehensive member profiles, centralized data hub, custom schemas, advanced event monitoring, PII protection/encryption, granular user access management, standard white-labelling, API access (members/transactions/rules/reports). - *Loyalty Engine:* business logic/rule management, tier management (rolling, fixed, retainer), points & aggregation-based tiers, tier multipliers/milestone rewards, visual rule builder, earn & burn ratio controls, expiry/liability control, anomaly detection. - *Reporting & Analytics:* in-built dashboards, customizable member/transaction reports, liability & projected-expiry analysis, audit/error logs (non-tamperable), communication reports. **Add-on modules (flat monthly fee, independent of member volume):** - *Engage* - marketing automation: segmentation by demographics/behavior/events/tier/points/time, algorithm-based segments (RFM, clusters), ML auto-segmentation, multi-channel campaign workflows, dynamic targeting, automated scheduling, campaign analytics, email/SMS/WhatsApp/push/app-banner delivery. - *AI Assistants* - admin assistant, data analyst, marketing assistant, predictive analytics/insights. - *Enterprise Features* - maker-checker approval workflow, on-premises deployment option, multi-language/multi-currency, custom integrations, advanced white-labelling (e.g., custom sender IDs), data localization. **Volume tiers:** Starter (up to 100K members), Growth (100K–1M), Scale (1M+) - per-member rate decreases at each tier; regional multipliers may apply, with final pricing confirmed on contract. **Custom-quoted services:** Custom Storefronts & Integrations (branded redemption storefront, branded member app, Plum marketplace or external marketplace support, POS integration, martech/CRM/messaging and ecommerce-stack integrations); Loyalty Consulting (program design, campaign strategy, benchmarking, onboarding support); On-Prem & Multi-Country (data localization compliance, on-prem deployment, multi-country deployment). --- ### Member Management URL: https://www.xoxoday.com/loyalife/member-management Centralizes fragmented member data (transactions, orders, engagement, marketing journeys) into a single, real-time profile. **Core capabilities:** detailed real-time member profiles (demographics, transactions, behavior); seamless data integration (ingest from every channel, deduplicate, convert to usable insights); cross-channel behavioral insights (reachability, purchases, conversion tracked per touchpoint); smarter segmentation built from captured data. **Three sub-areas:** 1. *Omnichannel Data* - pulls loyalty events from POS, e-commerce, app, CRM, QR scans, surveys, WhatsApp, and legacy extracts without rebuilding the existing stack; supports SDKs/webhooks for live transaction flows, SFTP for legacy daily extracts, and reverse ETL from a CDP or warehouse. 2. *360° Member Profiles* - unifies identifiers, activity, rewards, and consent into one trusted record for marketing/CX/program teams; identity stitching across web, app, POS, call centre, and WhatsApp; field-level audit back to the source event. 3. *Privacy by Design* - consent, residency, access, and subject-rights workflows built into the data layer pre-rollout; GDPR/CCPA/DPDP-ready controls; consent tracked by channel, purpose, and timestamp; region-pinned records by configuration. --- ### Member Engagement URL: https://www.xoxoday.com/loyalife/member-engagement No-code marketing automation for loyalty programs: rule engine, segments, tiers, campaigns, and communications, sharing one member record, one event stream, and one set of rules across every module. **Cross-cutting capabilities:** Offers & Promotions engine (API-first, rule-based coupons/discounts targeted via segments); white-labelled interactions (full branding, custom microsites, configurable redemption flows); AI-powered smart nudges (time/touchpoint/channel-optimized prompts toward the next best action); touchpoint optimization (maps member journeys to find and fix high-drop-off points). **Engagement modules:** - *Rule Engine* - earn/burn/bonus/exception rules configurable without engineering; previews, approvals, version history, liability caps before launch. - *Segments* - audiences built from spend, frequency, point balance, tier, channel, demographics, and custom attributes; stay live as member data changes. - *Tiers* - unlimited tiers by spend/points/tenure/custom attributes, with multipliers, benefits, eligibility windows, and progression analytics. - *Campaigns* - triggered by onboarding, repeat purchase, inactivity, tier movement, milestones, or expiring balances; pairs audience, reward logic, template, and validity window in one workflow. - *Communications* - branded templates for lifecycle/transactional/promotional messages, triggered across email/SMS/app/WhatsApp from enrollment, purchase, tier, milestone, and reward events. - *Gamification* - time-bound promotions with badges, challenges, streaks, milestone celebrations. - *Referrals* - auto-generated trackable referral links; tier-based rewards that unlock as referral volume grows. - *QR-code Generator* - branded QR codes for enrollment, purchase verification, and redemption across physical/digital touchpoints. - *Scheme Management* - multi-tier, multi-brand reward schemes with independent rules/budgets/eligibility per scheme. - *Claims Management* - automated claim verification (invoice uploads, receipt scans, manual claims) with fraud checks and multi-level approval. - *Video Management* - hosts/distributes product videos, tutorials, and promotional content inside the loyalty experience. Note: the on-page FAQ describes this as "11 engagement modules" (listing the 11 above); the homepage and llms.txt index describe "13 modules" for this pillar - worth reconciling on the live site since the two counts don't match. --- ### Loyalty Rewards URL: https://www.xoxoday.com/loyalife/loyalty-rewards An enterprise rewards engine offering 8 configurable reward mechanisms, each usable independently per program: tailored catalogs by CDP/CRM segmentation, multi-attributed rewards (real-time, adjustable by channel/device/segment), omnichannel reward delivery via API, and CRM/CDP/marketing-automation sync. **8 reward mechanisms:** 1. *Points* - earn/burn/unused-point rules by SKU, time, segment, location; expiry rules for liability control; distributed via email or mobile number. 2. *Cards* - physical cards with unique IDs tied to member activity across channels; real-time sync via API/webhooks; segmentation by card-linked attributes. 3. *Digital Wallet* - stores points, digital cards, and custom currencies in one wallet linked to campaigns/referrals; anti-fraud limits; mobile wallet passes for POS scan-to-redeem/pay. 4. *Location-based rewards* - rewards verified visits, check-ins, dwell time, and geo-qualified actions via geofences/radius/polygon zones; spoofing and impossible-travel checks; footfall/conversion/zone reporting. 5. *Scan-based rewards* - QR codes on receipts/packaging convert to points or cashouts; captures customer/product/geo/timestamp per scan; supports UPI/bank cashout in addition to marketplace redemption. 6. *Claim-based rewards* - members photograph invoices (app or WhatsApp, no POS integration needed); OCR extracts amount/product/SKU/quantity/date and maps to eligible schemes; produces basket/retailer analytics. 7. *UGC-based rewards* - reviews and rewards member-submitted content (demo/install videos, etc.) via consent rules, quality thresholds, and reviewer queues; tracks approval rates and campaign lift. 8. *Cashouts* - converts points to money via bank transfer, UPI, or preferred payout rail; configurable point-to-currency rates by currency/tier/channel; minimums, caps, rounding, and conversion audit controls. **Marketplace:** 10M+ reward options across 30+ categories in 100+ countries (gift cards, wellness, travel, donations, and more) - shared with Plum's reward marketplace. --- ### APIs & SDKs URL: https://www.xoxoday.com/loyalife/technology/apis-sdks Loyalife is REST API-first with no SDK required: one OAuth 2.0 call yields a JWT Bearer token, and the platform exposes 27 documented v1 endpoints (204 APIs across the full platform) covering auth, members, sub-relations, transactions, redemption, statements, and member auth. **Three core resource groups:** 1. *Identity* - `CreateProfileWithAttributes` creates members with custom attributes and links multiple accounts/devices into a single loyalty identity, preventing duplicate-person records. 2. *Points* - `RedeemPoints` / `ReversalPoints`; every redemption is GUID-keyed so a retry can never double-debit; balances, statements, and expiry are one call away. 3. *Login* - `GenerateOTP` / `VerifyOTP` runs credential verification and OTP/passwordless sign-in through the same API, avoiding a separate identity store. **Authentication:** OAuth 2.0 `client_credentials` grant - POST a program-scoped Client ID/Secret to `/oauth/Auth/Token`, receive a JWT (2-hour validity), cache and reuse it until near-expiry, then attach as `Authorization: Bearer` on every call. Client ID/Secret are generated and rotated from the admin portal. Sample token request: ``` POST /oauth/Auth/Token { "grant_type": "client_credentials", "client_id": "", "client_secret": "" } ``` Sample redemption request: ``` POST /v1/RedeemPoints Authorization: Bearer { "memberId": "m_8124", "points": 1000, "amount": 12.50 } ``` **Error contract:** every response carries `IsSucessful`, `ErrorCode`, `ExceptionMessage`, and `ReturnObject` alongside the HTTP status (200/400/401/404/409/422/500), so integrators branch on codes rather than parsing strings. A `RedeemPoints` call returns a transaction GUID; reversal is keyed to that GUID and can only run once - a duplicate reversal attempt returns a distinct "duplicate-reversal" code rather than double-crediting. **Earn & burn ingestion:** dual-path by design - events can arrive via real-time REST API or as batch SFTP (CPD) files, both reaching the same platform state through the same rule engine and ledger, so a customer can start on batch and move to real-time later without changing earning logic. **Endpoint catalog (27 v1 endpoints):** Authentication (1), Members & Profiles (4: create/get/update/lookup-by-attribute), Sub-relations (2: link an identifier / resolve back to member), Transactions (2: record an earn / record a reversal), Redemption (3: check balance / redeem points / reverse a redemption), Statements & History (4: transaction summary, summary by date range, member statement, expiry schedule), Member Auth & OTP (3: verify credentials, generate OTP, verify OTP). **Dev path:** generate program-scoped credentials from the admin portal → exchange for a JWT and call v1 endpoints in a sandbox → handle the standard error envelope and one-time reversal path, then switch to live credentials (contract is identical in dev and live). --- ### Technology (7-pillar stack, incl. AI Co-pilot) URL: https://www.xoxoday.com/loyalife/technology Note: llms.txt lists separate URLs for `/loyalife/technology/ai-mcp`, `/technology/security-fraud-governance`, and `/technology/infrastructure-whitelabel`. On the live site these do not exist as separate pages - `/loyalife/technology/apis-sdks` is real and separate (covered above), but AI, security, and infrastructure content is consolidated into this single `/loyalife/technology` page as tabbed pillars. Worth correcting the links in llms.txt to avoid pointing at 404s. Seven infrastructure pillars, presented as an interactive stack: 1. **Loyalty Co-pilot** - an AI assistant that reads live member, transaction, and reward data inside the customer's own tenant; drafts campaigns, suggests segments, forecasts uplift, and answers plain-English questions about program health (e.g., tier trends by region). Data stays in-tenant; the model is trained on benchmark patterns rather than cross-customer data; every suggestion is logged and auditable. 2. **Infrastructure** - on-premise deployment for regulated/data-sovereign requirements, or cloud for scalable, resilient operation. Cited figures: 99.994% uptime, 142ms p99 issuance latency, 4 pinned regions (EU-Ireland, US-Virginia, IN-Mumbai, APAC-Singapore), idempotent ledger with replay and OpenTelemetry tracing, 99.99% SLA. 3. **APIs & SDKs** - REST and GraphQL APIs connecting to CRM/POS/ERP/communication platforms; 6 first-party SDKs (TypeScript, Python, Java, Swift, Kotlin, Web) on shared versioning with a 12-month deprecation window; webhook delivery with HMAC signing and 30-day retry; sandbox auto-provisioned on signup. 4. **Security** - SOC 2 Type II (annual, audited), ISO 27001 (certificate available under NDA), GDPR/CCPA/DPDP enforced for EU/India; AES-256 at rest, TLS 1.2+ in transit, optional BYOK for field-level encryption; RBAC with SSO (SAML 2.0/OIDC), SCIM provisioning, enforced MFA, IP allowlisting; immutable, streaming audit log capturing every call/action/actor/reason. 5. **Whitelabelling** - custom domains, branded microsites, iOS/Android apps with the customer's own logo/colors/typography; role-based journeys for enroll/earn/redeem/support; full CSS/layout control over the redemption catalog, member portal, and communication templates with no Loyalife branding visible to end members. 6. **Internationalization** - 100+ languages with RTL support, locale-aware number/date formatting, multi-currency ledgers, region-specific reward catalogs, all from one tenant; currency conversion locked at configuration time for financial predictability. 7. **Fraud & Risk** - AI-powered anomaly detection across transactions and behavior; velocity checks (per member and per device), impossible-travel detection, burn-anomaly scoring, device fingerprinting, a holdback queue for suspicious rewards, and a reversible, reason-coded ledger so ops can review/reverse flagged events. **FAQ highlights:** deployment model (on-prem vs. cloud) governs where member data lives; the Co-pilot does not train on one customer's data to benefit others; API deprecation windows run 12 months.