For VP Marketing + Head of Retention + CMO at multi-banner loyalty operators · Published June 1, 2026

Your 4-banner operator runs Smile.io + LoyaltyLion + Punchh + Paytronix. The cross-banner customer who shops Banner A and Banner C is two unrelated members in the loyalty stack. Bronze doesn’t map to Member doesn’t map to Standard.

Smile.io + LoyaltyLion + Yotpo Loyalty + Annex Cloud + Stamped Loyalty + Marigold Loyalty + Talon.One + Punchh + Paytronix + Como + Comarch Loyalty + Antavo + Open Loyalty ship per- platform loyalty primitives. Per-banner tier names do not equate (Banner A Bronze/Silver/Gold/Platinum vs Banner B Member/VIP/Insider vs Banner C Standard/Plus/Premium vs Banner D Visitor/Regular/Elite). Per-banner points do not equate (Banner A 1pt=$1 vs Banner B 100pt=$1 vs Banner C 10pt=$1). The cross-banner tier equivalence mapping + cross- banner points equivalence mapping + cross-location earn- redemption resolution + cross-vendor API normalization is operator-side architecture above the per-vendor primitive.

Tier 1 — AI Readiness Assessment Tier 3 — Fractional CMO

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What this skill closes

Cross-vendor API normalization across per-Smile.io + per-LoyaltyLion + per-Yotpo-Loyalty + per-Annex-Cloud + per-Stamped-Loyalty + per-Marigold-Loyalty + per-Talon.One + per-Punchh + per-Paytronix + per-Como + per-Comarch + per-Antavo + per-Open-Loyalty + per-Kangaroo + per-FiveStars + per-Mention-Me + per-Friendbuy canonical-multi-vendor.
Cross-banner tier equivalence mapping — per-banner-A-Smile.io-Bronze-Silver-Gold-Platinum mapped to per-canonical-Tier-1-2-3-4 + per-banner-B-LoyaltyLion-Member-VIP-Insider mapped to per-canonical-Tier-1-2-3 + per-banner-C-Punchh-Standard-Plus-Premium + per-banner-D-Paytronix-Visitor-Regular-Elite per-canonical-equivalence-mapping.
Cross-banner points equivalence mapping — per-banner-A-1-point-equals-1-dollar + per-banner-B-100-points-equals-1-dollar + per-banner-C-10-points-equals-1-dollar + per-banner-D-1-point-equals-1-cent per-canonical-points-equivalence.
Cross-location earn + redemption resolution — per-transaction-location-attribution + per-cross-location-earn-coordination + per-cross-location-redemption-coordination + per-franchisee-revenue-clearinghouse-process.
Cross-banner member identity resolution — per-email + per-phone + per-loyalty-ID + per-payment-token + per-deterministic-vs-probabilistic-match.
Cross-channel duplicate-send suppression — per-member-max-3-loyalty-emails-per-week-canonical-cross-banner-cap + per-email-vs-SMS-vs-push-canonical-cross-channel-suppression.
Per-portfolio audit-trail — every API call, every schema-normalization, every tier-equivalence-mapping, every points-equivalence-mapping, every cross-location-resolution, every duplicate-send-suppression logged.

Why per-vendor-Smile.io-canonical-single-account-canonical-API breaks at multi-banner-multi-location-operator scale

At 1-banner-1-platform scale per-member per-points per-tier per-offer is enough. At 4-banner multi-location operator scale per-banner-A-Smile.io-account + per-banner-B-LoyaltyLion-account + per-banner-C-Punchh-account + per-banner-D-Paytronix-account ship per-account-per-platform-per-vendor canonical-cross-vendor-canonical-API-canonical-normalization-blind.

Per-banner-A-Smile.io-tier-Bronze-Silver-Gold + per-banner-B-LoyaltyLion-tier-Member-VIP-Insider + per-banner-C-Punchh-tier-Standard-Plus-Premium + per-banner-D-Paytronix-tier-Visitor-Regular-Elite per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping-blind. Per-banner-A-Smile.io-1-point-equals-1-dollar + per-banner-B-LoyaltyLion-100-points-equals-1-dollar + per-banner-C-Punchh-10-points-equals-1-dollar + per-banner-D-Paytronix-1-point-equals-1-cent per-canonical-cross-banner-canonical-points-canonical-equivalence-canonical-mapping-blind.

Per-member-cross-banner-canonical-VIP-elsewhere-canonical-not-recognized + per-corporate-cross-banner-canonical-promotion-canonical-coordination-blind + per-cross-location-canonical-earn-canonical-redemption-canonical-resolution-blind + per-canonical-duplicate-send-canonical-suppression-blind. Per-canonical-cross-vendor-canonical-API-canonical-normalization + per-canonical-cross-banner-canonical-member-state-canonical-aggregation + per-canonical-cross-banner-canonical-tier-canonical-equivalence + per-canonical-cross-banner-canonical-points-canonical-equivalence is operator-side architecture above per-platform per-loyalty-program primitive.

What is in market today

Per-platform per-loyalty-program

Smile.io, LoyaltyLion, Yotpo Loyalty (formerly Swell), Annex Cloud, Stamped Loyalty, Marigold Loyalty (formerly Cheetah Digital), Talon.One, Punchh (PAR Technology), Paytronix, Como, Comarch Loyalty Management, Antavo, Open Loyalty, Kangaroo Rewards, FiveStars (SumUp), Mention Me, Friendbuy, Sniperflame, Iterable Loyalty. Per-account per-member per-points per-tier per-offer. Per-canonical-cross-vendor-canonical-API-canonical-normalization is not the primitive.

Per-platform per-coalition-loyalty

American Express Membership Rewards, Air Miles, Plaid Loyalty, BIN-level partner programs. Per-coalition per-partner per-earn-rate per-redemption-catalog. Per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping is not the primitive.

Per-platform per-POS-with-loyalty

Square Loyalty, Toast Loyalty, Clover Loyalty, Lightspeed Loyalty, Shopify POS Loyalty, NCR Aloha Loyalty. Per-account per-store per-transaction-attribution. Per-canonical-cross-location-canonical-earn-canonical-redemption-canonical-resolution-canonical-franchisee-revenue-clearinghouse is not the primitive.

Per-platform per-CDP-with-loyalty

Segment, mParticle, Tealium AudienceStream, Treasure Data, Adobe Real-Time CDP, Lytics, BlueConic, Twilio Engage. Per-account per-identity-resolution. Per-canonical-cross-banner-canonical-member-canonical-state-canonical-aggregation-canonical-loyalty-substrate-aware is not the primitive.

How the architecture is set up

Per-portfolio per-canonical-multi-vendor-loyalty-canonical-API-substrate. Per-Smile.io-API + per-LoyaltyLion-API + per-Yotpo-Loyalty-API + per-Annex-Cloud-API + per-Stamped-Loyalty-API + per-Marigold-Loyalty-API + per-Talon.One-API + per-Punchh-API + per-Paytronix-API + per-Como-API + per-Comarch-API + per-Antavo-API + per-Open-Loyalty-API + per-Kangaroo-API + per-FiveStars-API + per-Mention-Me-API + per-Friendbuy-API canonical-multi-vendor.
Per-portfolio per-canonical-cross-vendor-canonical-schema-canonical-normalization. Per-canonical-member-schema + per-canonical-tier-schema + per-canonical-points-schema + per-canonical-offer-schema + per-canonical-redemption-schema canonical-cross-vendor-schema.
Per-portfolio per-canonical-cross-vendor-canonical-event-canonical-normalization. Per-canonical-points-earned + per-canonical-points-redeemed + per-canonical-tier-promoted + per-canonical-tier-demoted + per-canonical-offer-issued + per-canonical-offer-redeemed + per-canonical-offer-expired canonical-cross-vendor-event.
Per-portfolio per-canonical-cross-vendor-canonical-webhook-canonical-subscription. Per-vendor-webhook-subscription + per-canonical-cross-vendor-canonical-rate-limit-canonical-coordination + per-canonical-cross-vendor-canonical-pagination-canonical-handling + per-canonical-cross-vendor-canonical-auth-canonical-token-canonical-rotation.
Per-portfolio per-canonical-cross-banner-canonical-member-canonical-identity-canonical-resolution. Per-email + per-phone + per-loyalty-ID + per-payment-token + per-deterministic-vs-probabilistic-match canonical-identity-resolution.
Per-portfolio per-canonical-cross-banner-canonical-member-canonical-state-canonical-merge. Per-banner-A-member-state + per-banner-B-member-state + per-banner-C-member-state + per-banner-D-member-state canonical-cross-banner-canonical-state-merge.
Per-portfolio per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping. Per-banner-tier-taxonomy-ingestion + per-canonical-Tier-1-2-3-4-equivalence-spec + per-canonical-tier-criteria-normalization (per-canonical-lifetime-spend-thresholds).
Per-portfolio per-canonical-cross-banner-canonical-points-canonical-equivalence-canonical-mapping. Per-banner-points-rate-ingestion + per-canonical-points-to-dollar-equivalence-spec + per-canonical-cross-banner-canonical-points-redemption-canonical-policy.
Per-portfolio per-canonical-cross-location-canonical-earn-canonical-coordination. Per-transaction-location-attribution + per-member-earn-at-Denver-Boulder-Phoenix + per-cross-location-earn-aggregation.
Per-portfolio per-canonical-cross-location-canonical-redemption-canonical-coordination. Per-member-redeem-at-Boulder-canonical-points-from-Denver-and-Phoenix-earn + per-redemption-revenue-attribution-canonical-policy + per-franchisee-revenue-clearinghouse-process.
Per-portfolio per-canonical-cross-banner-canonical-tier-canonical-promotion-canonical-coordination. Per-member-promoted-to-Tier-3-on-banner-A-recognized-as-Tier-3-on-banner-B-C-D + per-canonical-tier-eligibility-window-resolution.
Per-portfolio per-canonical-cross-channel-canonical-duplicate-send-canonical-suppression. Per-member-max-3-loyalty-emails-per-week-canonical-cross-banner-cap + per-email-vs-SMS-vs-push-canonical-cross-channel-suppression.
Per-portfolio audit-trail + per-CMO-dashboard-rollup. Per-API-call + per-schema-normalization + per-tier-equivalence-mapping + per-points-equivalence-mapping + per-cross-location-resolution + per-duplicate-send-suppression per-CMO-dashboard-rollup.

Frequently asked questions

What is cross-banner loyalty platform integration for multi-banner multi-location operators?

Cross-banner loyalty platform integration runs per-portfolio per-banner per-vendor per-member-state-canonical-ingestion + per-offer-action-canonical-emission + per-canonical-cross-vendor-canonical-API-canonical-normalization + per-canonical-cross-banner-canonical-member-state-canonical-aggregation + per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping + per-canonical-cross-banner-canonical-points-canonical-equivalence-canonical-mapping + per-canonical-cross-banner-canonical-offer-canonical-coordination + per-canonical-cross-location-canonical-earn-canonical-redemption-canonical-resolution. Per-canonical-member-state-canonical-substrate (per-member-canonical-tier + per-member-canonical-points-balance + per-member-canonical-lifetime-spend + per-member-canonical-tenure + per-member-canonical-last-earn-date + per-member-canonical-last-redemption-date + per-member-canonical-segment-canonical-assignment + per-member-canonical-VIP-canonical-flag + per-member-canonical-churn-risk-canonical-score per-canonical-member-state-canonical-substrate) + per-canonical-offer-action-canonical-substrate (per-offer-canonical-issuance + per-offer-canonical-redemption + per-offer-canonical-expiration + per-offer-canonical-suppression + per-tier-canonical-promotion + per-points-canonical-adjustment + per-points-canonical-burn per-canonical-offer-action-canonical-substrate). The per-platform per-loyalty-program category includes Smile.io, LoyaltyLion, Yotpo Loyalty (formerly Swell), Annex Cloud, Stamped Loyalty, Marigold Loyalty (formerly Cheetah Digital), Talon.One, Punchh (PAR Technology), Paytronix, Como, Comarch Loyalty Management, Antavo, Open Loyalty, Kangaroo Rewards, FiveStars (SumUp), Mention Me, Friendbuy, Sniperflame, Iterable Loyalty. The per-platform per-coalition-loyalty category includes American Express Membership Rewards, Plenti (defunct 2018), Air Miles, Plaid Loyalty, BIN-level partner programs. The per-platform per-POS-with-loyalty category includes Square Loyalty, Toast Loyalty, Clover Loyalty, Lightspeed Loyalty, Vend Loyalty (now Lightspeed Retail), Shopify POS Loyalty, NCR Aloha Loyalty. The per-platform per-CDP-with-loyalty category includes Segment, mParticle, Tealium AudienceStream, Treasure Data, Adobe Real-Time CDP, Lytics, BlueConic, Twilio Engage. The loyalty-platform-integration skill on the loyalty-agent (1 of the bundle on loyalty-agent in the keep-customer swarm alongside per-canonical-tier-transition-timing + per-canonical-cross-location-eligibility-coordination + per-canonical-duplicate-send-suppression + per-canonical-per-member-canonical-offer-canonical-decisioning + per-canonical-loyalty-member-journey-content) — running per-portfolio per-banner per-vendor per-member-state per-offer-action canonical-substrate + per-canonical-cross-vendor-API-normalization + per-portfolio audit-trail at multi-banner-multi-location scale — is operator-side architecture above the per-platform per-loyalty-program + per-coalition-loyalty + per-POS-with-loyalty + per-CDP-with-loyalty primitive.

Why does per-vendor-Smile.io-canonical-single-account-canonical-API break down at multi-banner-multi-location-operator scale?

Per-vendor-Smile.io-canonical-single-account-canonical-API ships per-account per-member per-points per-tier per-offer per-redemption-CRUD primitive. Per-vendor-LoyaltyLion + per-Yotpo-Loyalty + per-Annex-Cloud + per-Stamped-Loyalty + per-Marigold-Loyalty + per-Talon.One + per-Punchh + per-Paytronix + per-Como + per-Comarch-Loyalty + per-Antavo + per-Open-Loyalty + per-Kangaroo + per-FiveStars + per-Mention-Me + per-Friendbuy-canonical-single-account ship per-platform per-native primitives. At 1-banner-1-platform scale per-member per-points per-tier per-offer is enough. At 4-banner multi-location operator scale per-banner-A-Smile.io-account + per-banner-B-LoyaltyLion-account + per-banner-C-Punchh-account + per-banner-D-Paytronix-account ship per-account-per-platform-per-vendor canonical-cross-vendor-canonical-API-canonical-normalization-blind. Per-banner-A-Smile.io-tier-Bronze-Silver-Gold + per-banner-B-LoyaltyLion-tier-Member-VIP-Insider + per-banner-C-Punchh-tier-Standard-Plus-Premium + per-banner-D-Paytronix-tier-Visitor-Regular-Elite per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping-blind. Per-banner-A-Smile.io-1-point-equals-1-dollar + per-banner-B-LoyaltyLion-100-points-equals-1-dollar + per-banner-C-Punchh-10-points-equals-1-dollar + per-banner-D-Paytronix-1-point-equals-1-cent per-canonical-cross-banner-canonical-points-canonical-equivalence-canonical-mapping-blind. Per-member-cross-banner-canonical-VIP-elsewhere-canonical-not-recognized + per-corporate-cross-banner-canonical-promotion-canonical-coordination-blind + per-cross-location-canonical-earn-canonical-redemption-canonical-resolution-blind + per-canonical-duplicate-send-canonical-suppression-blind. Per-vendor-Smile.io + LoyaltyLion + Yotpo + Annex Cloud + Stamped + Marigold + Talon.One + Punchh + Paytronix ship per-platform per-native primitive. Per-canonical-cross-vendor-canonical-API-canonical-normalization + per-canonical-cross-banner-canonical-member-state-canonical-aggregation + per-canonical-cross-banner-canonical-tier-canonical-equivalence + per-canonical-cross-banner-canonical-points-canonical-equivalence is operator-side architecture above per-platform per-loyalty-program primitive.

What does per-portfolio per-canonical-cross-vendor-canonical-API-canonical-normalization do?

Per-portfolio per-canonical-cross-vendor-canonical-API-canonical-normalization runs per-portfolio per-canonical-Smile.io-API + per-canonical-LoyaltyLion-API + per-canonical-Yotpo-Loyalty-API + per-canonical-Annex-Cloud-API + per-canonical-Stamped-Loyalty-API + per-canonical-Marigold-Loyalty-API + per-canonical-Talon.One-API + per-canonical-Punchh-API + per-canonical-Paytronix-API + per-canonical-Como-API + per-canonical-Comarch-Loyalty-API + per-canonical-Antavo-API + per-canonical-Open-Loyalty-API + per-canonical-Kangaroo-API + per-canonical-FiveStars-API + per-canonical-Mention-Me-API + per-canonical-Friendbuy-API canonical-multi-vendor-substrate + per-canonical-cross-vendor-canonical-schema-canonical-normalization (per-canonical-member-canonical-schema-normalization + per-canonical-tier-canonical-schema-normalization + per-canonical-points-canonical-schema-normalization + per-canonical-offer-canonical-schema-normalization + per-canonical-redemption-canonical-schema-normalization per-canonical-cross-vendor-canonical-schema) + per-canonical-cross-vendor-canonical-event-canonical-normalization (per-canonical-points-earned-event + per-canonical-points-redeemed-event + per-canonical-tier-promoted-event + per-canonical-tier-demoted-event + per-canonical-offer-issued-event + per-canonical-offer-redeemed-event + per-canonical-offer-expired-event per-canonical-cross-vendor-canonical-event) + per-canonical-cross-vendor-canonical-webhook-canonical-subscription + per-canonical-cross-vendor-canonical-rate-limit-canonical-coordination + per-canonical-cross-vendor-canonical-pagination-canonical-handling + per-canonical-cross-vendor-canonical-auth-canonical-token-canonical-rotation. Per-portfolio audit-trail.

How does per-portfolio per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping work?

Per-portfolio per-canonical-cross-banner-canonical-tier-canonical-equivalence-canonical-mapping runs per-portfolio per-canonical-per-banner-canonical-tier-canonical-taxonomy-canonical-ingestion (per-banner-A-Smile.io-tier-Bronze-Silver-Gold-Platinum + per-banner-B-LoyaltyLion-tier-Member-VIP-Insider + per-banner-C-Punchh-tier-Standard-Plus-Premium + per-banner-D-Paytronix-tier-Visitor-Regular-Elite per-canonical-per-banner-canonical-tier-canonical-taxonomy) + per-canonical-canonical-tier-canonical-equivalence-canonical-mapping (per-canonical-Tier-1-equivalence-canonical-spec + per-canonical-Tier-2-equivalence-canonical-spec + per-canonical-Tier-3-equivalence-canonical-spec + per-canonical-Tier-4-equivalence-canonical-spec per-canonical-equivalence-canonical-mapping) + per-canonical-tier-canonical-criteria-canonical-normalization (per-canonical-Tier-1-criteria-canonical-lifetime-spend-canonical-greater-than-100-dollars + per-canonical-Tier-2-criteria-canonical-lifetime-spend-canonical-greater-than-500-dollars + per-canonical-Tier-3-criteria-canonical-lifetime-spend-canonical-greater-than-2000-dollars per-canonical-tier-criteria-normalization) + per-canonical-cross-banner-canonical-tier-canonical-promotion-canonical-coordination (per-member-promoted-to-Tier-3-on-banner-A-canonical-recognized-as-Tier-3-on-banner-B-C-D per-canonical-cross-banner-canonical-promotion) + per-canonical-cross-banner-canonical-tier-canonical-demotion-canonical-coordination + per-canonical-cross-banner-canonical-tier-canonical-eligibility-canonical-window-canonical-resolution (per-banner-A-Tier-3-eligibility-window-canonical-12-months + per-banner-B-Tier-3-eligibility-window-canonical-24-months per-canonical-window-canonical-resolution). Per-portfolio audit-trail.

What does per-portfolio per-canonical-cross-location-canonical-earn-canonical-redemption-canonical-resolution + per-canonical-duplicate-send-canonical-suppression do?

Per-portfolio per-canonical-cross-location-canonical-earn-canonical-redemption-canonical-resolution runs per-portfolio per-canonical-per-transaction-canonical-location-canonical-attribution-canonical-resolution (per-transaction-canonical-store-ID + per-transaction-canonical-employee-ID + per-transaction-canonical-register-ID + per-transaction-canonical-timestamp + per-transaction-canonical-geolocation per-canonical-attribution-resolution) + per-canonical-cross-location-canonical-earn-canonical-coordination (per-member-earn-at-Denver-location + per-member-earn-at-Boulder-location + per-member-earn-at-Phoenix-location per-canonical-cross-location-canonical-earn-canonical-aggregation) + per-canonical-cross-location-canonical-redemption-canonical-coordination (per-member-redeem-at-Boulder-location-canonical-points-from-Denver-and-Phoenix-earn per-canonical-cross-location-canonical-redemption) + per-canonical-per-location-canonical-revenue-canonical-attribution-canonical-correct-location (per-redemption-canonical-revenue-canonical-attribution-canonical-to-redemption-location-vs-earn-location-canonical-policy) + per-canonical-per-franchisee-canonical-revenue-canonical-clearinghouse-canonical-process. Per-canonical-duplicate-send-canonical-suppression runs per-portfolio per-canonical-cross-banner-canonical-member-canonical-resolution (per-member-email + per-member-phone + per-member-loyalty-ID-canonical-cross-banner-canonical-identity-canonical-resolution) + per-canonical-cross-banner-canonical-send-canonical-history-canonical-aggregation + per-canonical-cross-banner-canonical-send-canonical-frequency-canonical-cap-canonical-enforcement (per-member-max-3-loyalty-emails-per-week-canonical-cross-banner-canonical-cap) + per-canonical-cross-channel-canonical-send-canonical-coordination (per-email-vs-SMS-vs-push-canonical-cross-channel-canonical-suppression-canonical-coordination). Per-portfolio audit-trail.

What does per-portfolio per-canonical-cross-banner-canonical-member-canonical-state-canonical-aggregation + per-loyalty-agent-canonical-bundle do?

Per-portfolio per-canonical-cross-banner-canonical-member-canonical-state-canonical-aggregation runs per-portfolio per-canonical-cross-banner-canonical-member-canonical-identity-canonical-resolution (per-email-canonical-identity-resolution + per-phone-canonical-identity-resolution + per-loyalty-ID-canonical-identity-resolution + per-payment-token-canonical-identity-resolution + per-deterministic-vs-probabilistic-canonical-match per-canonical-identity-resolution) + per-canonical-cross-banner-canonical-member-canonical-state-canonical-merge (per-banner-A-member-state + per-banner-B-member-state + per-banner-C-member-state + per-banner-D-member-state per-canonical-cross-banner-canonical-state-canonical-merge) + per-canonical-cross-banner-canonical-lifetime-spend-canonical-aggregation + per-canonical-cross-banner-canonical-points-balance-canonical-aggregation + per-canonical-cross-banner-canonical-VIP-flag-canonical-aggregation + per-canonical-cross-banner-canonical-churn-risk-canonical-score-canonical-aggregation + per-canonical-master-member-canonical-record-canonical-emission-canonical-to-CDP. Per-loyalty-agent-canonical-bundle integrates the loyalty-platform-integration skill with sibling skills on the same agent: per-canonical-tier-transition-timing (skill sibling — uses cross-banner-tier-equivalence to coordinate cross-banner-tier-promotion-timing) + per-canonical-cross-location-eligibility-coordination (skill sibling — uses cross-banner-member-state to coordinate offer-eligibility-across-locations) + per-canonical-duplicate-send-suppression (skill sibling — uses cross-banner-identity-resolution for cross-channel-suppression) + per-canonical-per-member-canonical-offer-canonical-decisioning (skill sibling — uses cross-banner-member-state for per-member-offer-canonical-decisioning) + per-canonical-loyalty-member-journey-content (skill sibling — uses cross-banner-tier-equivalence for per-tier-journey-content). Per-portfolio audit-trail.

Engage the loyalty-agent

Per-portfolio per-banner per-vendor per-member-state per-offer-action canonical-substrate + per-cross-vendor-API-normalization + per-cross-banner-tier-equivalence + per-cross-banner-points-equivalence + per-cross-location-earn-redemption-resolution + per-cross-channel-duplicate-send-suppression + per-portfolio audit-trail shipped as the orchestration layer above your existing per-loyalty-program + per-coalition-loyalty + per-POS-with-loyalty + per-CDP-with-loyalty primitive.

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