CredX MoaT
Mutual Ownership Acquisition Technology (MoaT), and it keeps the customer relationship inside your brand.
An Embedded Value Platform Brings Its Own Capital
An Embedded Value Platform is embedded finance built as infrastructure. It runs underneath a business’s existing operations, adding cost recovery, data, and lending without changing what the customer sees. Community lender partners fund the credit your customers use and carry the risk, and CredX returns the value to the business that earned it.
What the platform is made of.
Seven components, and between them they do four things: keep value inside your brand, turn transaction data into decisions, lower what each sale costs you, and give customers a reason to return.
DaaP
Data as a Product (DaaP), and it turns your transaction record into decisions you can act on.
Cost Reduction
lowers what each sale costs you to process.
BoosT
Balance Offset & Organic Spending Trigger (BoosT), and it gives customers a reason to return sooner.
Marketplace
connects you to other businesses for shared offers.
Orchestration
keeps the other parts working in step.
Marketing
turns each transaction into a reason to talk again.
How the relationship stays yours.
MoaT is the part of the stack that keeps value inside your brand. The credit, the value-back, and access to the data all resolve to your business rather than to a third party, and that is what makes the relationship durable. Everything the customer values carries your name, so the reason they return belongs to you.
What your transaction record becomes.
Data as a Product turns the record of your own transactions into something you can act on: which buyers return, which segments spend the most, and when demand peaks. It is opt-in and de-identified, and the view is of your own business, for your own decisions.
Why the saving holds.
from 40% up to 85%of interchange recovered, depending on qualifying volume
~$30,000per $1M of monthly volume, staying in the business
Results vary by volume and card mix.
Interchange recovery runs from 40% up to 85%, depending on qualifying volume. At the top of that range, roughly $30,000 of every $1M in monthly volume stays in the business instead of leaving it as interchange; at the lower end the same volume returns closer to $14,000. What matters for a partnership is where that comes from. It is not a discount we extend and can withdraw. It is the result of the credit running on our own facility. We are paid when the facility is used, so the saving and our revenue point the same direction.
The parts that make the rest work.
Four of the seven need more than a line. These are the ones that keep the loop running once the credit is in place.
BoosT
The reason a customer comes back sooner. Tiers, milestones, and cross-business offers that make the next visit worth making, funded by the value the last one created.
Marketplace
A network of businesses that can run offers together. Your customers find reasons to spend beyond your four walls, and other businesses’ customers find you, without new infrastructure or a larger marketing budget.
Orchestration
The layer that keeps the other parts in step. Payments, data, offers, and partners coordinated so the customer meets one experience instead of several.
Marketing
Every transaction becomes a reason to speak to that customer again. Offers built from what they actually bought, aimed at the next visit and a fuller basket.
Bring us in as a partner.
A partnership starts with a conversation about your volume, your customers, and what the stack would return for a business of your size.