The authoritative ledger for reward distribution.
Balances are projections. The ledger is the real record. Ziyo provides a non-custodial reward ledger that tracks every event, liability, and state transition with audit-ready integrity.
Reward Claim
Campaign: Summer QR
Value Transfer
Why it matters
Why spreadsheets fail at reward scale.
Zero Audit Trail
Spreadsheets can be edited by anyone. When a dispute arises, you cannot prove who earned what or when the state changed.
Race Conditions
Ad-hoc systems fail when thousands of users claim rewards simultaneously. Ziyo ensures atomic consistency.
Lost Liability
Without a double-entry view, brands lose track of their total outstanding liability to users and partners.
Manual Reconciliation
Finance teams spend days matching bank transfers to coupon claims. Ziyo connects them at the point of record.
What gets recorded
Complete incentive audit trail.
Every claim expands into a rich, immutable record containing all the context required for finance and operations.
Event Record
The exact trigger that initiated the reward.
Subject Alias
Anonymized or direct identifier of the recipient.
Campaign Context
Limits, rules, and budget being drawn from.
Value Transfer
Precise debit and credit lines for the transaction.
State Transition
Track from pending to settled to expired.
Idempotency Key
Guarantees no duplicate processing ever occurs.
Non-custodial by design
You own the money. We power the rails.
Ziyo does not hold your funds. Brands own the economic liability and execute the payments. Ziyo is the infrastructure that records, enforces, and reconciles the movement.
Holds funds & executes payout
Records & reconciles ledger
Get Started
Implement a reliable loyalty ledger.
Stop relying on fragile spreadsheets. Give your finance and operations teams the authoritative record they need.
Start recording