Keep-customer swarm · Loyalty Member Journey Orchestration Agent · Per-member-ltv-math skill · Build pillar · Published August 29, 2026

How to build per-member per-location LTV math for multi-location loyalty

This guide explains how to architect the per-member-ltv-math skill on the loyalty-journey agent end-to-end at multi-location loyalty-program-software-for-small-business scale: per-portfolio per-banner per-location per-member per-canonical-LTV-data-source-pointer + per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec + per-canonical-cold-start-spec + per-canonical-refresh-cadence-spec + per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec + per-canonical-compliance-gate-spec + per-canonical-audit-trail + per-portfolio-audit-trail.

Engage the loyalty-journey agent See the 32-agent swarm

What you will build

Per-portfolio per-banner per-location per-member per-canonical-LTV-data-source-pointer across 50+ data sources — loyalty platforms (Square Loyalty + Smile.io + LoyaltyLion + Yotpo Loyalty + Annex Cloud + Punchh + Paytronix + Marigold-Cheetah Loyalty + Tango Card + Antavo + Open Loyalty + Loopy Loyalty + Stamped Loyalty + Toast Loyalty + Lightspeed Loyalty + Como) + POS (Square + Toast + Clover + Lightspeed + Aloha + Revel + TouchBistro + ShopKeep + Vend) + ecommerce (Shopify + BigCommerce + WooCommerce + Magento Adobe Commerce + Squarespace Commerce + Wix) + CRM (Salesforce + HubSpot + Dynamics 365 + Zoho + Pipedrive) + ESP (Klaviyo + Iterable + Braze + Customer.io) + subscription (Recharge + Bold Subscriptions + Stripe Billing) + reservation (OpenTable + Resy + Tock + SevenRooms) + booking (Square Appointments + Vagaro + MindBody + Booker).
Per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec — 10 LTV classes (historical + predicted + cohort + per-channel + per-location + per-banner + per-tier Bronze/Silver/Gold/Platinum + per-RFM-cohort + per-product-category + per-membership-duration) + 12 math methods (naïve historical + cohort-based average + BTYD BG/NBD + Pareto/NBD + MBG/NBD + BTYD with covariates + Gamma-Gamma monetary value + hierarchical Bayesian PyMC/Stan/NumPyro/bambi/brms-R/RStan/arviz/95% credible interval/Rhat + survival analysis Cox PH/Kaplan-Meier/Weibull AFT/Random Survival Forest/DeepSurv/DeepHit/Nnet-survival + gradient-boosted trees XGBoost/LightGBM/CatBoost/NGBoost/EBM + multi-task learning + neural net MLP/RNN/LSTM/Transformer + customer-equity Markov/Hidden Markov/Continuous Time Markov Chain + per-location attribution cross-banner/cross-channel match + 7-attribution-window 30d/60d/90d/180d/365d/730d/1825d 5-year + 95%-credible-interval + SHAP + LIME + counterfactual + anchor explainability).
Per-canonical-cold-start-spec + per-canonical-refresh-cadence-spec — first-purchase priors (per-vertical + per-banner + per-channel + per-Census-ACS + per-Claritas-PRIZM) + look-alike imputation (K-NN + deep look-alike + Bayesian Optimal Transport) + Bayesian shrinkage to portfolio mean + 30-day minimum observation window + 5 refresh cadences (daily for high-tier Platinum/Gold + at-risk + recent purchasers + fraud signals + weekly for active members with purchase within 30 days + monthly all-member baseline + quarterly deep recompute with model retraining + event-driven on purchase/return/tier-change/complaint/enrollment/data-correction/DSAR) + FBC feedback loop.
Per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec — per-banner identity stitching + per-portfolio member-ID + cross-banner earn/redemption + per-banner brand-protection FDD Item 12 territorial + per-member z-score (vs cohort + vs historical self) + sudden spike fraud + sudden drop churn + cohort drift + per-anomaly-confidence-tier + per-NBA-next-best-action handoff to loyalty-journey decisioning (welcome + milestone + dormant + tier-transition + win-back).
Per-canonical-compliance-gate-spec — per-Robinson-Patman-Act-price-discrimination (FTC 2024-2025 reinvigorated enforcement) + per-ECOA-Reg-B-disparate-impact (LTV cohort cannot use/proxy for protected class) + per-Fair-Housing-Act (when LTV used for housing-adjacent service) + per-EU-AI-Act-Article-22-automated-decision-profiling + per-FTC-fake-review-rule-of-2024 + per-FTC-Negative-Option-ROSCA + per-FTC-endorsement-guides-2023 + per-FTC-AI-disclosure + per-FTC-Made-in-USA + per-FTC-Green-Guides + per-FTC-MAP + per-FTC-Health-Products-Compliance-Guide + per-FTC-Section-5 + per-CFPB-UDAAP + per-HIPAA-no-acknowledge-as-patient + per-HIPAA-no-PHI-in-LTV-cohort-export + per-HIPAA-marketing-authorization-164.508 + per-FCRA + per-GLBA + per-CCPA-CPRA-sensitive-personal-information + per-CCPA-CPRA-right-to-opt-out-of-automated-decisionmaking + per-GDPR-Article-6-7-9-17-22 + per-LGPD + per-DPDP + per-PIPEDA + per-COPPA-13 + per-FDD-Item-12-territorial-protection + per-FDD-Item-17-Item-19 + per-state-FRR + per-state-UDTPA + per-Lanham + per-FINRA-2210 + per-SEC-Reg-S-K + per-state-bar-advertising + per-state-professional-licensing + per-FDA-DSHEA + per-FDA-OPDP-Rx-drug + per-DEA-Schedule-II-V + per-cannabis-state-board-loyalty (12-state matrix Massachusetts CCC + California DCC + Colorado MED + Oregon OLCC + Washington WSLCB + Nevada CCB + Illinois CCSL + New Jersey CRC + New York OCM + Arizona DHS + Alaska AMCO + Maine OMP) + per-alcohol-TABC-CalABC-SLA-DISCUS-Code-tied-house-prohibition + per-tobacco-FDA-prohibition + per-state-lottery + per-EU-AI-Act-Article-50-13-14-15 + per-Digital-Services-Act-Article-30 + per-Digital-Markets-Act + per-WCAG-2.2-AA + per-ARIA + per-EAA-EN-301-549 + per-Section-508 + per-ADA-Title-III + per-Illinois-BIPA (when facial-recognition loyalty) + per-Texas-CUBI + per-Washington-MHMDA (when health-loyalty) + per-NIST-AI-RMF + per-ISO-42001 + per-ISO-27001 + per-SOC-2-Type-II + per-OPA-Cedar-Casbin-Cerbos-Oso-policy-as-code + per-compliance-confidence-tier.
Per-canonical-cross-skill-handoff + per-canonical-audit-trail — per-handoff-to-30-sibling-skills + per-per-member-canonical-audit-record + per-immutable-WORM-storage + per-7-year-IRS-tax-retention + per-7-year-FTC-substantiation-retention + per-7-year-HIPAA-medical-record-retention + per-6-year-SEC-record-retention + per-3-year-FINRA-record-retention + per-3-year-Illinois-BIPA-biometric-retention-schedule.

Why per-vendor-Smile.io-account-flat-LTV-row breaks at multi-location loyalty-program-software scale

The Robinson-Patman-Act anchor is the operationally distinctive constraint for loyalty tier mechanics. Robinson-Patman prohibits price-discrimination between competing purchasers of like-grade-and-quality commodities. Loyalty tiers that effectively grant Tier-A retailers materially different per-unit pricing than Tier-B retailers across reseller-style relationships can constitute Robinson-Patman violations. The FTC reinvigorated Robinson-Patman enforcement in 2024-2025 with multiple investigations + complaints against rebate/loyalty programs in the alcohol distribution + grocery + pharmacy distribution verticals. Loyalty programs that grant tier-discounts to business buyers must include functional-equivalent-availability defense + per-vertical FTC Section 13(a) defenses + per-state-equivalent law analysis.

The ECOA-Reg-B-disparate-impact anchor is the second distinctive constraint. LTV cohort assignment cannot use or proxy for protected class (race + color + religion + national origin + sex including sexual orientation and gender identity + marital status + age + receipt of public assistance + good-faith exercise of Consumer Credit Protection Act rights). Disparate-impact analysis required when ZIP-code or surname or other proxies correlate with protected class. ECOA enforcement extends to non-credit loyalty contexts when LTV-driven offers materially affect credit-adjacent decisions including BNPL eligibility + store-card pre-approval + subscription-credit terms.

The EU-AI-Act-Article-22-automated-decision-profiling anchor is the third distinctive constraint. When LTV drives automated offer-eligibility + tier-assignment + price-personalization + credit-decisioning + housing-adjacent-decisioning + employment-related-decisioning + scoring-and-ranking that produces significant effects on the data subject, Article 22 requires human-review-mechanism + right-to-explanation + right-to-contest + right-not-to-be-subject-to-solely-automated-decision absent exception.

The cannabis-state-board-loyalty anchor is the fourth distinctive constraint. Most cannabis state boards (Massachusetts CCC + California DCC + Colorado MED + Oregon OLCC + Washington WSLCB + Nevada CCB + Illinois CCSL + New Jersey CRC + New York OCM + Arizona DHS + Alaska AMCO + Maine OMP) limit or prohibit cannabis loyalty programs to prevent inducement. The alcohol-tied-house anchor is the fifth: alcohol loyalty programs face tied-house restrictions in many states preventing producer/distributor incentives at retailer level. Tobacco loyalty programs are prohibited in most states. Per-vendor account-flat-LTV-row primitives have no per-vertical-per-state regulatory awareness.

The operator-side architecture above per-vendor-flat-LTV-row primitive is canonical-LTV-data-source-pointer + per-LTV-class-spec + per-LTV-math-method-spec + per-cold-start-spec + per-refresh-cadence-spec + per-cross-banner-handling-spec + per-anomaly-detection-spec + per-NBA-handoff-spec + per-compliance-gate-spec + per-cross-skill-handoff + per-audit-trail + per-portfolio-audit-trail.

What is in market today

Per-platform per-loyalty-platform-vendor

Square Loyalty, Smile.io, LoyaltyLion, Yotpo Loyalty, Annex Cloud, Punchh, Paytronix, Marigold-Cheetah Loyalty, Tango Card, Antavo, Open Loyalty, Loopy Loyalty, Stamped Loyalty, Toast Loyalty, Lightspeed Loyalty, Como, Talon.One, Mention Me, Friendbuy, Extole, Yotpo Referral. Per-account per-flat-LTV-row primitive. Per-canonical-LTV-data-source-pointer-canonical-LTV-class-canonical-LTV-math-method-canonical-cold-start-canonical-refresh-cadence-canonical-cross-banner-handling-canonical-anomaly-detection-canonical-NBA-handoff-canonical-compliance-gate-canonical-audit-trail is not the primitive.

Per-platform per-POS-ecommerce-vendor

Square POS, Toast, Clover, Lightspeed, Aloha, Revel, TouchBistro, ShopKeep, Vend, Shopify, BigCommerce, WooCommerce, Magento Adobe Commerce, Squarespace Commerce, Wix, Salesforce Commerce Cloud, Adobe Commerce. Per-account per-flat-transaction primitive (typically blind to per-member BTYD BG/NBD + Gamma-Gamma + hierarchical Bayesian + survival analysis + customer-equity Markov + per-attribution-window 30d-1825d semantics). Per-canonical-per-member-naive-historical-canonical-per-member-cohort-based-average-canonical-per-member-BTYD-BG-NBD-Pareto-NBD-MBG-NBD-canonical-per-member-Gamma-Gamma-canonical-per-member-hierarchical-Bayesian-PyMC-Stan-NumPyro-bambi-brms-R-RStan-canonical-per-member-survival-analysis-Cox-PH-Kaplan-Meier-Weibull-AFT-Random-Survival-Forest-DeepSurv-canonical-per-member-XGBoost-LightGBM-CatBoost-NGBoost-EBM-canonical-per-member-MLP-RNN-LSTM-Transformer-canonical-per-member-customer-equity-Markov-canonical-per-member-per-attribution-window-30d-60d-90d-180d-365d-730d-1825d is not the primitive.

Per-platform per-CDP-CRM-ESP-vendor

Segment, mParticle, Tealium, Snowplow, RudderStack, Hightouch, Census, Polytomic, Salesforce CDP, Salesforce Service Cloud, HubSpot, Microsoft Dynamics 365, Zoho, Pipedrive, Klaviyo, Iterable, Braze, Customer.io. Per-account per-flat-customer-record primitive (typically blind to per-member cold-start first-purchase priors + look-alike imputation + Bayesian shrinkage + refresh cadence daily/weekly/monthly/quarterly/event-driven + cross-banner identity stitching + portfolio member-ID + anomaly detection z-score/spike/drop/cohort-drift semantics). Per-canonical-per-member-first-purchase-priors-canonical-per-member-look-alike-imputation-canonical-per-member-Bayesian-shrinkage-canonical-per-member-30-day-observation-window-canonical-per-member-daily-weekly-monthly-quarterly-event-driven-refresh-canonical-per-member-cross-banner-identity-stitching-canonical-per-member-portfolio-member-ID-canonical-per-member-cross-banner-earn-redemption-canonical-per-member-FDD-Item-12-territorial-canonical-per-member-anomaly-detection-z-score-spike-drop-cohort-drift is not the primitive.

Per-platform per-Robinson-Patman-counsel-vendor + per-cannabis-loyalty-compliance-vendor + per-CMP-vendor

Foley & Lardner antitrust practice, Latham & Watkins antitrust, Jones Day antitrust, Cleary Gottlieb antitrust, Hearsay Systems, Smarsh, Global Relay, Proofpoint, RegEd, MJBizDaily Compliance, Cova Software, Distru, Akerna, Leaflink Compliance, BlazePay, Treez cannabis compliance, OneTrust, TrustArc, Ketch, Securiti, Privacera, Skyflow, BigID, DataGrail, Transcend, Osano, Cookiebot, Didomi, Hyperproof, Drata, Vanta. Per-account per-flat-counsel-memo or per-flat-compliance-report or per-flat-consent primitive (typically blind to per-member Robinson-Patman Act price-discrimination FTC 2024-2025 reinvigorated enforcement + ECOA Reg B disparate impact + EU AI Act Article 22 + Fair Housing Act + cannabis state-board loyalty 12-state matrix + alcohol DISCUS tied-house + tobacco FDA prohibition + Illinois BIPA + Texas CUBI + Washington MHMDA semantics). Per-canonical-per-member-Robinson-Patman-canonical-per-member-FTC-Section-13a-defense-canonical-per-member-ECOA-Reg-B-disparate-impact-canonical-per-member-Fair-Housing-Act-canonical-per-member-EU-AI-Act-Article-22-canonical-per-member-FTC-fake-review-rule-of-2024-canonical-per-member-FTC-Negative-Option-ROSCA-canonical-per-member-HIPAA-no-acknowledge-canonical-per-member-HIPAA-no-PHI-in-LTV-cohort-export-canonical-per-member-FCRA-canonical-per-member-cannabis-state-board-loyalty-12-state-matrix-canonical-per-member-alcohol-DISCUS-tied-house-canonical-per-member-tobacco-FDA-prohibition-canonical-per-member-Illinois-BIPA-canonical-per-member-Texas-CUBI-canonical-per-member-Washington-MHMDA is not the primitive.

How the architecture is built

Per-portfolio per-banner per-location per-member per-canonical-LTV-data-source-pointer-substrate. Per-50-canonical-LTV-data-source canonical-source.
Per-portfolio per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec. Per-10-LTV-class + per-12-LTV-math-method + per-7-attribution-window + per-LTV-confidence-tier + per-SHAP-LIME-counterfactual-anchor-explainability canonical-LTV-class-method.
Per-portfolio per-canonical-cold-start-spec. Per-first-purchase-priors + per-look-alike-imputation + per-Bayesian-shrinkage + per-30-day-observation-window + per-cold-start-confidence-tier canonical-cold-start.
Per-portfolio per-canonical-refresh-cadence-spec. Per-daily-high-tier-at-risk-recent-purchaser-fraud + per-weekly-active + per-monthly-all-member + per-quarterly-deep-recompute + per-event-driven-purchase-return-tier-change-complaint-enrollment-DSAR + per-refresh-FBC-feedback-loop canonical-refresh.
Per-portfolio per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec. Per-banner-identity-stitching + per-portfolio-member-ID + per-cross-banner-earn-redemption + per-FDD-Item-12-territorial + per-member-z-score + per-sudden-spike-fraud + per-sudden-drop-churn + per-cohort-drift + per-NBA-next-best-action-handoff canonical-cross-banner-anomaly-NBA.
Per-portfolio per-canonical-compliance-gate-spec. Per-Robinson-Patman + per-FTC-Section-13a-defense + per-ECOA-Reg-B-disparate-impact + per-Fair-Housing-Act + per-EU-AI-Act-Article-22 + per-FTC-fake-review-rule-of-2024 + per-FTC-Negative-Option-ROSCA + per-FTC-endorsement-guides-2023 + per-FTC-AI-disclosure + per-FTC-Made-in-USA + per-FTC-Green-Guides + per-FTC-MAP + per-FTC-Health-Products-Compliance-Guide + per-FTC-Section-5 + per-CFPB-UDAAP + per-HIPAA-no-acknowledge + per-HIPAA-no-PHI-in-LTV-cohort-export + per-HIPAA-marketing-authorization + per-FCRA + per-GLBA + per-CCPA-CPRA + per-GDPR-Article-6-7-9-17-22 + per-LGPD + per-DPDP + per-PIPEDA + per-COPPA-13 + per-FDD-Item-12-Item-17-Item-19 + per-state-FRR + per-state-UDTPA + per-Lanham + per-FINRA-2210 + per-SEC-Reg-S-K + per-state-bar-advertising + per-state-professional-licensing + per-FDA-DSHEA + per-FDA-OPDP + per-DEA + per-cannabis-state-board-loyalty + per-alcohol-TABC-CalABC-SLA-DISCUS-tied-house + per-tobacco-FDA-prohibition + per-state-lottery + per-EU-AI-Act-Article-50-13-14-15 + per-Digital-Services-Act-Article-30 + per-Digital-Markets-Act + per-WCAG-2.2-AA + per-ARIA + per-EAA-EN-301-549 + per-Section-508 + per-ADA-Title-III + per-Illinois-BIPA + per-Texas-CUBI + per-Washington-MHMDA + per-NIST-AI-RMF + per-ISO-42001 + per-ISO-27001 + per-SOC-2-Type-II + per-OPA-Cedar-Casbin-Cerbos-Oso-policy-as-code canonical-compliance.
Per-portfolio per-canonical-cross-skill-handoff. Per-handoff-to-30-sibling-skills canonical-handoff.
Per-portfolio per-canonical-audit-trail + per-portfolio-audit-trail. Per-per-member-canonical-audit-record + per-immutable-WORM-storage + per-7-year-IRS-tax-retention + per-7-year-FTC-substantiation-retention + per-7-year-HIPAA-medical-record-retention + per-6-year-SEC-record-retention + per-3-year-FINRA-record-retention + per-3-year-Illinois-BIPA-biometric-retention-schedule canonical-audit.
Per-portfolio per-loyalty-journey-agent-canonical-bundle. Per-per-member-ltv-math + per-tier-transition-timing + per-cross-location-earn-redeem + per-offer-dedup + per-welcome-milestone-dormant-tier-transition-win-back-journey-decisioning + per-customer-data-graph-consumption + per-attribution-per-channel-earn-ROI + per-cross-location-earn-redemption-eligibility-per-autonomy-profile + per-email-SMS-social-sibling-trigger + per-per-location-loyalty-dashboard-signal-handoff-to-rollup-reporting canonical-bundle.
Per-portfolio per-canonical-end-to-end-SLA. Per-LTV-data-source-resolve-to-LTV-class-resolve-to-LTV-math-method-to-cold-start-to-refresh-cadence-to-cross-banner-handling-to-anomaly-detection-to-NBA-handoff-to-compliance-gate-to-Robinson-Patman-ECOA-EU-AI-Act-Article-22-overlay-to-FBC-feedback-loop-SLA canonical-end-to-end-SLA.

Frequently asked questions

What is per-member per-location LTV math for multi-location loyalty at small-business scale?

Per-member per-location LTV math runs per-portfolio per-banner per-location per-member per-canonical-LTV-data-source-pointer (per-Square-Loyalty + per-Smile.io + per-LoyaltyLion + per-Yotpo-Loyalty + per-Annex-Cloud + per-Punchh + per-Paytronix + per-Marigold-Cheetah-Loyalty + per-Tango-Card + per-Antavo + per-Open-Loyalty + per-Loopy-Loyalty + per-Stamped-Loyalty + per-Toast-Loyalty + per-Lightspeed-Loyalty + per-Como + per-Square-POS + per-Toast-POS + per-Clover + per-Lightspeed + per-Aloha + per-Revel + per-TouchBistro + per-ShopKeep + per-Vend + per-Shopify + per-BigCommerce + per-WooCommerce + per-Magento-Adobe-Commerce + per-Squarespace-Commerce + per-Wix + per-Salesforce + per-HubSpot + per-Microsoft-Dynamics-365 + per-Zoho + per-Pipedrive + per-Klaviyo + per-Iterable + per-Braze + per-Customer.io + per-Recharge + per-Bold-Subscriptions + per-Stripe-Billing + per-OpenTable + per-Resy + per-Tock + per-SevenRooms + per-Square-Appointments + per-Vagaro + per-MindBody + per-Booker + per-canonical-LTV-data-source) + per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec + per-canonical-cold-start-spec + per-canonical-refresh-cadence-spec + per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec + per-canonical-compliance-gate-spec + per-canonical-audit-trail + per-portfolio-audit-trail.

Why does per-vendor-Smile.io-canonical-account-flat-LTV-row break at multi-location loyalty-program-software scale?

Per-vendor-Smile.io-canonical-account-flat-LTV-row ships per-account per-flat-LTV-row primitive — typically a Shopify-Plus operator installs Smile.io on each of 87 Shopify stores, configures points/dollar earn rate per store, and Smile.io reports per-member point balance + total spend per store. No per-canonical-LTV-data-source taxonomy across the 50+ loyalty + POS + ecommerce + CRM + ESP + subscription + reservation + booking data sources, no per-canonical-LTV-class taxonomy (historical LTV sum-of-past-purchases + predicted LTV Bayesian forward-looking + cohort LTV per-acquisition-cohort + per-channel LTV per-acquisition-channel + per-location LTV + per-banner LTV cross-store portfolio + per-tier LTV Bronze/Silver/Gold/Platinum + per-RFM-cohort LTV + per-product-category LTV + per-membership-duration LTV), no per-canonical-LTV-math-method resolving naïve-historical (sum-of-past-transactions) vs cohort-based-average vs BTYD-Buy-Till-You-Die (BG/NBD + Pareto/NBD + MBG/NBD) vs Gamma-Gamma-monetary-value-model vs hierarchical-Bayesian (PyMC + Stan + NumPyro + bambi + brms-R + RStan) vs survival-analysis (Cox PH + Kaplan-Meier + Weibull AFT + Random Survival Forest + DeepSurv) vs gradient-boosted-decision-trees (XGBoost + LightGBM + CatBoost) vs multi-task-learning vs neural-net (MLP + RNN + LSTM + Transformer) vs customer-equity-model (per-tier-transition-Markov) vs per-location-attribution (cross-banner + cross-channel match) vs per-attribution-window 30d/60d/90d/180d/365d/730d/1825d (5-year), no per-canonical-cold-start resolving first-purchase-priors (per-vertical + per-banner + per-channel) + look-alike imputation + Bayesian shrinkage to portfolio mean + 30-day minimum observation window, no per-canonical-refresh-cadence resolving daily (high-tier members + at-risk + recent purchasers) + weekly (active members) + monthly (all members baseline) + quarterly (deep recompute with model retraining) + event-driven (purchase + return + tier-change + complaint), no per-canonical-cross-banner-handling resolving per-banner identity stitching + per-portfolio member-ID + cross-banner earn/redemption + per-banner brand-protection (FDD Item 12 territorial), no per-canonical-anomaly-detection resolving per-member z-score (vs cohort + vs historical self) + sudden-spike (fraud signal) + sudden-drop (churn risk) + per-cohort drift, no per-canonical-NBA-next-best-action handoff to loyalty-journey decisioning, no per-member compliance gate with FTC-fake-review-rule-of-2024 (loyalty incentive disclosure) / FTC-Negative-Option-ROSCA (when paid tier) / FTC-endorsement-guides (when influencer in loyalty) / HIPAA-no-acknowledge-as-patient + no-PHI-in-LTV-cohort-export (healthcare loyalty) / FCRA when LTV influences credit decisioning / ECOA-Reg-B-disparate-impact (LTV cohort assignment cannot use protected class) / Fair-Housing-Act when LTV used for housing-adjacent service / GLBA / CCPA-CPRA-sensitive-personal-information (precise loyalty data interpretation) / GDPR-Article-6-7-9-17-22 (Article 22 automated-decision-profiling when LTV drives offer-eligibility) / LGPD + DPDP + PIPEDA + COPPA-13 (kids loyalty programs) / FINRA-2210 (financial-services loyalty) / SEC-Reg-S-K / state-bar-advertising (legal loyalty) / FDA-DSHEA + FDA-OPDP-Rx-drug (health-product loyalty) / cannabis-state-board (cannabis loyalty programs in Massachusetts CCC + California DCC + Colorado MED + Oregon OLCC) / alcohol-TABC-CalABC-SLA + DISCUS-Code (alcohol loyalty) / tobacco-FDA (no tobacco loyalty programs in most states) / state-lottery / EU-AI-Act-Article-50 + Article-22 / Digital-Services-Act-Article-30 / Digital-Markets-Act / WCAG-2.2-AA / ADA-Title-III / Robinson-Patman-price-discrimination-via-loyalty-tiers (the operationally distinctive anchor — see next FAQ) / Illinois-BIPA (when facial-recognition loyalty) / Texas-CUBI / Washington-MHMDA (health-loyalty) / NIST-AI-RMF / ISO-42001 / ISO-27001 / SOC-2-Type-II enforcement, no per-member audit trail with regulatory-defense retention. Per-vendor-LoyaltyLion + Yotpo-Loyalty + Annex-Cloud + Punchh + Paytronix + Marigold-Cheetah-Loyalty + Antavo + Open-Loyalty + Stamped-Loyalty + Toast-Loyalty + Lightspeed-Loyalty + Como-canonical-account-flat-LTV-row ship per-vendor per-native account-flat-LTV-row primitives. At 1-account-1-flat-LTV-row scale per-account per-flat-LTV-row primitive is enough. At multi-location loyalty-program-software-for-small-business scale per-canonical-LTV-data-source-pointer + per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec + per-canonical-cold-start-spec + per-canonical-refresh-cadence-spec + per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec + per-canonical-compliance-gate-spec + per-canonical-audit-trail.

How does per-member LTV-math-method-engine + per-member cold-start-engine + per-member refresh-cadence-engine work?

Per-portfolio per-banner per-location per-member per-canonical-LTV-math-method-spec runs per-portfolio per-canonical-per-member-naive-historical (sum of past transactions) + per-canonical-per-member-cohort-based-average (per-acquisition-cohort + per-vertical-cohort + per-channel-cohort) + per-canonical-per-member-BTYD-Buy-Till-You-Die (per-BG-NBD + per-Pareto-NBD + per-MBG-NBD + per-BTYD-with-covariates) + per-canonical-per-member-Gamma-Gamma-monetary-value-model + per-canonical-per-member-hierarchical-Bayesian (per-PyMC + per-Stan + per-NumPyro + per-bambi + per-brms-R + per-RStan + per-arviz-diagnostics + per-95-percent-posterior-credible-interval + per-Rhat-convergence-check) + per-canonical-per-member-survival-analysis (per-Cox-PH + per-Kaplan-Meier + per-Weibull-AFT + per-Random-Survival-Forest + per-DeepSurv + per-DeepHit + per-Nnet-survival) + per-canonical-per-member-gradient-boosted-decision-trees (per-XGBoost + per-LightGBM + per-CatBoost + per-NGBoost-probabilistic + per-EBM-Explainable-Boosting-Machine) + per-canonical-per-member-multi-task-learning + per-canonical-per-member-neural-net (per-MLP + per-RNN + per-LSTM + per-Transformer + per-attention-based) + per-canonical-per-member-customer-equity-model (per-tier-transition-Markov + per-Hidden-Markov + per-Continuous-Time-Markov-Chain) + per-canonical-per-member-per-location-attribution (per-cross-banner + per-cross-channel-match + per-deterministic-identity + per-probabilistic-identity-resolution) + per-canonical-per-member-per-attribution-window (per-30-day + per-60-day + per-90-day + per-180-day + per-365-day + per-730-day + per-1825-day-5-year) + per-canonical-per-member-LTV-confidence-tier (per-95-percent-credible-interval + per-bootstrap-CI + per-conformal-prediction) + per-canonical-per-member-LTV-explainability (per-SHAP + per-LIME + per-counterfactual + per-anchor-explanation). Per-canonical-cold-start-spec runs per-portfolio per-canonical-per-member-first-purchase-priors (per-vertical-prior + per-banner-prior + per-channel-prior + per-Census-ACS-demographic-prior + per-Claritas-PRIZM-prior) + per-canonical-per-member-look-alike-imputation (per-K-nearest-neighbor + per-deep-look-alike + per-Bayesian-Optimal-Transport) + per-canonical-per-member-Bayesian-shrinkage-to-portfolio-mean (per-hierarchical-prior + per-partial-pooling) + per-canonical-per-member-30-day-minimum-observation-window + per-canonical-per-member-cold-start-confidence-tier + per-canonical-per-member-cold-start-explainability. Per-canonical-refresh-cadence-spec runs per-portfolio per-canonical-per-member-daily-refresh (per-high-tier-Platinum-Gold-members + per-at-risk-segment + per-recent-purchaser-within-7-days + per-fraud-signal-flag) + per-canonical-per-member-weekly-refresh (per-active-member-with-purchase-within-30-days) + per-canonical-per-member-monthly-refresh (per-all-member-baseline) + per-canonical-per-member-quarterly-refresh (per-deep-recompute + per-model-retraining + per-hyperparameter-tune + per-cross-validation + per-temporal-holdout) + per-canonical-per-member-event-driven-refresh (per-purchase + per-return + per-tier-change + per-complaint-resolution + per-loyalty-program-enrollment + per-data-correction + per-DSAR-request) + per-canonical-per-member-refresh-confidence-tier + per-canonical-per-member-refresh-FBC-feedback-loop (per-realized-vs-predicted-LTV + per-realized-vs-predicted-churn + per-realized-vs-predicted-tier-transition + per-pattern-learning + per-multi-arm-bandit-regret + per-recalibration).

What does per-member compliance-gate do — and what is the Robinson-Patman price-discrimination + ECOA disparate-impact + EU-AI-Act-Article-22 anchor?

Per-portfolio per-banner per-location per-member per-canonical-compliance-gate-spec runs per-portfolio per-canonical-per-member-Robinson-Patman-Act-price-discrimination (the operationally distinctive anchor for loyalty tier mechanics: Robinson-Patman prohibits price-discrimination between competing purchasers of like-grade-and-quality commodities — loyalty tiers that effectively grant Tier-A retailers materially different per-unit pricing than Tier-B retailers across reseller-style relationships can constitute Robinson-Patman violations; FTC reinvigorated Robinson-Patman enforcement in 2024-2025 with multiple investigations + complaints against rebate/loyalty programs in the alcohol distribution + grocery + pharmacy distribution verticals; loyalty programs that grant tier-discounts to business buyers must include functional-equivalent-availability defense + per-vertical FTC Section 13(a) defenses + per-state-equivalent law analysis) + per-canonical-per-member-ECOA-Reg-B-disparate-impact (the second operationally distinctive anchor: LTV cohort assignment cannot use or proxy for protected class — race + color + religion + national origin + sex including sexual orientation and gender identity + marital status + age + receipt of public assistance + good-faith exercise of Consumer Credit Protection Act rights; disparate-impact analysis required when ZIP-code or surname or other proxies correlate with protected class; ECOA enforcement extends to non-credit loyalty contexts when LTV-driven offers materially affect credit-adjacent decisions including BNPL eligibility + store-card pre-approval + subscription-credit terms) + per-canonical-per-member-Fair-Housing-Act-disparate-impact (when LTV used for housing-adjacent service: furniture rent-to-own + appliance rent-to-own + home-services scheduling) + per-canonical-per-member-EU-AI-Act-Article-22-automated-decision-profiling (the third operationally distinctive anchor: when LTV drives automated offer-eligibility + tier-assignment + price-personalization + credit-decisioning + housing-adjacent-decisioning + employment-related-decisioning + scoring-and-ranking that produces significant effects on the data subject; Article 22 requires human-review-mechanism + right-to-explanation + right-to-contest + right-not-to-be-subject-to-solely-automated-decision absent exception) + per-canonical-per-member-FTC-fake-review-rule-of-2024 (loyalty incentive disclosure requirement) + per-canonical-per-member-FTC-Negative-Option-ROSCA (when paid loyalty tier with auto-renew) + per-canonical-per-member-FTC-endorsement-guides-2023-update + per-canonical-per-member-FTC-AI-disclosure + per-canonical-per-member-FTC-Made-in-USA + per-canonical-per-member-FTC-Green-Guides + per-canonical-per-member-FTC-MAP + per-canonical-per-member-FTC-Health-Products-Compliance-Guide + per-canonical-per-member-FTC-Section-5-unfair-deceptive + per-canonical-per-member-CFPB-UDAAP + per-canonical-per-member-HIPAA-no-acknowledge-as-patient + per-canonical-per-member-HIPAA-no-PHI-in-LTV-cohort-export + per-canonical-per-member-HIPAA-marketing-authorization-164.508 + per-canonical-per-member-FCRA (when LTV influences credit decisioning + ChexSystems-style adverse-action) + per-canonical-per-member-GLBA + per-canonical-per-member-CCPA-CPRA-sensitive-personal-information (precise loyalty data may include sensitive PI under California interpretation) + per-canonical-per-member-CCPA-CPRA-right-to-opt-out-of-automated-decisionmaking + per-canonical-per-member-GDPR-Article-6-lawful-basis + per-canonical-per-member-GDPR-Article-7-consent + per-canonical-per-member-GDPR-Article-9-special-categories + per-canonical-per-member-GDPR-Article-17-erasure-when-loyalty-data-becomes-stale + per-canonical-per-member-GDPR-Article-22-automated-decision-profiling + per-canonical-per-member-LGPD + per-canonical-per-member-DPDP + per-canonical-per-member-PIPEDA + per-canonical-per-member-COPPA-13-under-13-loyalty-programs + per-canonical-per-member-FDD-Item-12-territorial-protection (cross-banner loyalty redemption cannot violate franchisee territorial protection) + per-canonical-per-member-FDD-Item-17-Item-19 + per-canonical-per-member-state-FRR + per-canonical-per-member-state-UDTPA + per-canonical-per-member-Lanham + per-canonical-per-member-FINRA-2210 (financial-services loyalty) + per-canonical-per-member-SEC-Reg-S-K + per-canonical-per-member-state-bar-advertising (legal-services loyalty) + per-canonical-per-member-state-professional-licensing + per-canonical-per-member-FDA-DSHEA (supplement loyalty) + per-canonical-per-member-FDA-OPDP-Rx-drug + per-canonical-per-member-DEA-Schedule-II-V + per-canonical-per-member-cannabis-state-board-loyalty (Massachusetts CCC + California DCC + Colorado MED + Oregon OLCC + Washington WSLCB + Nevada CCB + Illinois CCSL + New Jersey CRC + New York OCM + Arizona DHS + Alaska AMCO + Maine OMP — most cannabis state boards limit or prohibit cannabis loyalty programs to prevent inducement; per-state framework analysis required) + per-canonical-per-member-alcohol-TABC-CalABC-SLA-DISCUS-Code-tied-house-prohibition (alcohol loyalty programs face tied-house restrictions in many states preventing producer/distributor incentives at retailer level) + per-canonical-per-member-tobacco-FDA-most-states-prohibit-tobacco-loyalty-programs + per-canonical-per-member-state-lottery + per-canonical-per-member-EU-AI-Act-Article-50-transparency + per-canonical-per-member-EU-AI-Act-Article-13-14-15-high-risk + per-canonical-per-member-Digital-Services-Act-Article-30 + per-canonical-per-member-Digital-Markets-Act + per-canonical-per-member-WCAG-2.2-AA + per-canonical-per-member-ARIA + per-canonical-per-member-EAA-EN-301-549 + per-canonical-per-member-Section-508 + per-canonical-per-member-ADA-Title-III + per-canonical-per-member-Illinois-BIPA-when-facial-recognition-loyalty + per-canonical-per-member-Texas-CUBI + per-canonical-per-member-Washington-MHMDA-when-health-loyalty + per-canonical-per-member-NIST-AI-RMF + per-canonical-per-member-ISO-42001 + per-canonical-per-member-ISO-27001 + per-canonical-per-member-SOC-2-Type-II + per-canonical-per-member-OPA-Rego-AWS-Cedar-Casbin-Cerbos-Oso-policy-as-code + per-canonical-per-member-compliance-confidence-tier + per-canonical-per-member-compliance-explainability.

What does per-member cross-skill-handoff + per-loyalty-journey-agent-canonical-bundle + per-member audit-trail do?

Per-portfolio per-member per-canonical-per-member-cross-skill-handoff runs per-portfolio per-canonical-per-member-handoff-to-per-member-monthly-clv (parent commercial pillar at /per-member-monthly-clv) + per-canonical-per-member-handoff-to-loyalty-journey (parent agent) + per-canonical-per-member-handoff-to-tier-transition-timing (sibling skill on loyalty-journey agent) + per-canonical-per-member-handoff-to-cross-location-earn-redeem (sibling skill on loyalty-journey agent) + per-canonical-per-member-handoff-to-offer-dedup (sibling skill on loyalty-journey agent) + per-canonical-per-member-handoff-to-loyalty-journey-content + per-canonical-per-member-handoff-to-welcome-milestone-dormant-tier-transition-win-back-journey-decisioning + per-canonical-per-member-handoff-to-master-record-build-pillar + per-canonical-per-member-handoff-to-customer-change-event-emission-build-pillar + per-canonical-per-member-handoff-to-cross-touchpoint-identity-resolution-build-pillar + per-canonical-per-member-handoff-to-deterministic-probabilistic-hybrid-identity-resolution-build-pillar + per-canonical-per-member-handoff-to-runtime-readable-behavioral-cohorts-build-pillar + per-canonical-per-member-handoff-to-versioned-customer-history-DSAR-build-pillar + per-canonical-per-member-handoff-to-versioned-history-regulatory-defense-build-pillar + per-canonical-per-member-handoff-to-multi-source-attribution-preserving-lead-ingestion-build-pillar + per-canonical-per-member-handoff-to-per-location-multi-model-attribution-build-pillar + per-canonical-per-member-handoff-to-crm-record-creation-build-pillar + per-canonical-per-member-handoff-to-per-location-dynamic-content-build-pillar (sibling build-pillar at /how-to-build-per-location-dynamic-content-for-multi-location-communications — LTV-quintile drives dynamic content) + per-canonical-per-member-handoff-to-lifecycle-email-sms-build-pillar + per-canonical-per-member-handoff-to-multi-location-sms-broadcast-build-pillar + per-canonical-per-member-handoff-to-per-location-sms-template-library-build-pillar + per-canonical-per-member-handoff-to-callback-schedule-link-build-pillar (LTV-tier drives callback rep-assignment) + per-canonical-per-member-handoff-to-per-location-missed-call-crm-creation-and-callback-workflow-build-pillar + per-canonical-per-member-handoff-to-event-tie-in-drafting-build-pillar + per-canonical-per-member-handoff-to-weather-seasonality-patterns-build-pillar + per-canonical-per-member-handoff-to-local-context-change-events-build-pillar + per-canonical-per-member-handoff-to-cs-agent-assist-build-pillar (LTV-tier drives CS rep prioritization) + per-canonical-per-member-handoff-to-review-response-drafting-build-pillar + per-canonical-per-member-handoff-to-per-location-per-cohort-two-sigma-anomaly-detection-build-pillar (LTV outliers feed cohort z-score) + per-canonical-per-member-handoff-to-alert-deduplication-build-pillar + per-canonical-per-member-handoff-to-per-location-post-drafting-build-pillar + per-canonical-per-member-handoff-to-ad-performance-feedback-loop-build-pillar (LTV-quintile drives audience targeting) + per-canonical-per-member-handoff-to-tiered-pre-filter-deterministic-gates-build-pillar + per-canonical-per-member-handoff-to-marketing-content-llm-as-judge-build-pillar + per-canonical-per-member-handoff-to-marketing-ai-autonomy-profile-configuration-build-pillar + per-canonical-per-member-handoff-to-per-jurisdiction-compliance-multi-state-franchise-build-pillar + per-canonical-per-member-handoff-to-routing-audit-trail-build-pillar + per-canonical-per-member-handoff-to-borderline-routing + per-canonical-per-member-handoff-to-five-destination-routing + per-canonical-per-member-handoff-to-fbc-override-learning + per-canonical-per-member-handoff-to-multi-dimensional-threshold-routing + per-canonical-per-member-handoff-to-brand-voice-management + per-canonical-per-member-handoff-to-forbidden-phrase-library + per-canonical-per-member-handoff-to-claims-allowlist-substantiation + per-canonical-per-member-handoff-to-changelog-feed-ingestion-build-pillar (loyalty platform changelog ingestion) + per-canonical-per-member-handoff-to-foot-traffic-integration-build-pillar (loyalty-tier-aware foot-traffic attribution). Per-loyalty-journey-agent-canonical-bundle integrates the per-member-ltv-math skill with sibling skills on the same loyalty-journey agent: per-canonical-per-member-ltv-math (this skill) + per-canonical-tier-transition-timing + per-canonical-cross-location-earn-redeem + per-canonical-offer-dedup + per-canonical-welcome-milestone-dormant-tier-transition-win-back-journey-decisioning + per-canonical-customer-data-graph-consumption + per-canonical-attribution-per-channel-earn-ROI + per-canonical-cross-location-earn-redemption-eligibility-per-autonomy-profile + per-canonical-email-SMS-social-sibling-trigger + per-canonical-per-location-loyalty-dashboard-signal-handoff-to-rollup-reporting. Per-canonical-end-to-end-SLA runs per-canonical-per-member-LTV-data-source-resolve-to-LTV-class-resolve-to-LTV-math-method-to-cold-start-to-refresh-cadence-to-cross-banner-handling-to-anomaly-detection-to-NBA-handoff-to-compliance-gate-to-Robinson-Patman-ECOA-EU-AI-Act-Article-22-overlay-to-FBC-feedback-loop-SLA canonical-SLA.

What does per-member audit-trail + per-canonical-end-to-end-replay do — and what is the score-2 closing-context?

Per-portfolio per-member per-canonical-audit-trail runs per-portfolio per-canonical-per-member-canonical-audit-record (per-member-ID + per-banner-pointer + per-location-pointer + per-canonical-LTV-data-source-snapshot + per-Square-Loyalty-Smile.io-LoyaltyLion-Yotpo-Annex-Cloud-Punchh-Paytronix-Marigold-Tango-Antavo-Open-Loyalty-Loopy-Stamped-Toast-Lightspeed-Como-snapshot + per-Square-Toast-Clover-Lightspeed-Aloha-Revel-TouchBistro-ShopKeep-Vend-POS-snapshot + per-Shopify-BigCommerce-WooCommerce-Magento-Squarespace-Wix-ecommerce-snapshot + per-Salesforce-HubSpot-Dynamics-365-Zoho-Pipedrive-CRM-snapshot + per-Klaviyo-Iterable-Braze-Customer.io-ESP-snapshot + per-Recharge-Bold-Subscriptions-Stripe-Billing-subscription-snapshot + per-OpenTable-Resy-Tock-SevenRooms-reservation-snapshot + per-Square-Appointments-Vagaro-MindBody-Booker-booking-snapshot + per-LTV-class-snapshot + per-LTV-math-method-snapshot + per-naive-cohort-BTYD-Gamma-Gamma-hierarchical-Bayesian-survival-XGBoost-LightGBM-CatBoost-NGBoost-EBM-MLP-RNN-LSTM-Transformer-customer-equity-Markov-snapshot + per-per-location-attribution-snapshot + per-per-attribution-window-snapshot + per-LTV-confidence-tier-snapshot + per-SHAP-LIME-counterfactual-anchor-snapshot + per-cold-start-first-purchase-priors-snapshot + per-look-alike-imputation-snapshot + per-Bayesian-shrinkage-snapshot + per-30-day-observation-window-snapshot + per-cold-start-confidence-tier-snapshot + per-daily-weekly-monthly-quarterly-event-driven-refresh-cadence-snapshot + per-refresh-FBC-feedback-loop-snapshot + per-cross-banner-identity-stitching-snapshot + per-portfolio-member-ID-snapshot + per-cross-banner-earn-redemption-snapshot + per-FDD-Item-12-territorial-snapshot + per-anomaly-detection-per-member-z-score-cohort-historical-self-fraud-churn-cohort-drift-snapshot + per-NBA-next-best-action-handoff-snapshot + per-Robinson-Patman-snapshot + per-FTC-Section-13a-defense-snapshot + per-ECOA-Reg-B-disparate-impact-snapshot + per-Fair-Housing-Act-snapshot + per-EU-AI-Act-Article-22-automated-decision-snapshot + per-FTC-fake-review-rule-of-2024-snapshot + per-FTC-Negative-Option-ROSCA-snapshot + per-FTC-endorsement-guides-2023-snapshot + per-FTC-AI-disclosure-snapshot + per-FTC-Made-in-USA-snapshot + per-FTC-Green-Guides-snapshot + per-FTC-MAP-snapshot + per-FTC-Health-Products-Compliance-Guide-snapshot + per-FTC-Section-5-snapshot + per-CFPB-UDAAP-snapshot + per-HIPAA-no-acknowledge-as-patient-snapshot + per-HIPAA-no-PHI-in-LTV-cohort-export-snapshot + per-HIPAA-marketing-authorization-snapshot + per-FCRA-snapshot + per-GLBA-snapshot + per-CCPA-CPRA-sensitive-personal-information-snapshot + per-CCPA-CPRA-right-to-opt-out-of-automated-decisionmaking-snapshot + per-GDPR-Article-6-7-9-17-22-snapshot + per-LGPD-DPDP-PIPEDA-snapshot + per-COPPA-13-snapshot + per-FDD-Item-12-Item-17-Item-19-snapshot + per-state-FRR-snapshot + per-state-UDTPA-snapshot + per-Lanham-snapshot + per-FINRA-2210-snapshot + per-SEC-Reg-S-K-snapshot + per-state-bar-advertising-snapshot + per-state-professional-licensing-snapshot + per-FDA-DSHEA-snapshot + per-FDA-OPDP-Rx-drug-snapshot + per-DEA-Schedule-II-V-snapshot + per-cannabis-state-board-loyalty-snapshot + per-alcohol-TABC-CalABC-SLA-DISCUS-Code-tied-house-snapshot + per-tobacco-FDA-snapshot + per-state-lottery-snapshot + per-EU-AI-Act-Article-50-13-14-15-22-snapshot + per-Digital-Services-Act-Article-30-snapshot + per-Digital-Markets-Act-snapshot + per-WCAG-2.2-AA-snapshot + per-ARIA-snapshot + per-EAA-EN-301-549-snapshot + per-Section-508-snapshot + per-ADA-Title-III-snapshot + per-Illinois-BIPA-snapshot + per-Texas-CUBI-snapshot + per-Washington-MHMDA-snapshot + per-NIST-AI-RMF-snapshot + per-ISO-42001-snapshot + per-ISO-27001-snapshot + per-SOC-2-Type-II-snapshot + per-OPA-Cedar-Casbin-Cerbos-Oso-policy-snapshot + per-compliance-confidence-tier-snapshot + per-canonical-audit-record) + per-canonical-immutable-WORM-storage + per-canonical-7-year-IRS-tax-retention + per-canonical-7-year-FTC-substantiation-retention + per-canonical-7-year-HIPAA-medical-record-retention + per-canonical-6-year-SEC-record-retention + per-canonical-3-year-FINRA-record-retention + per-canonical-3-year-Illinois-BIPA-biometric-retention-schedule. Per-canonical-end-to-end-replay runs per-portfolio per-canonical-per-member-LTV-math-method-rewind + per-canonical-per-member-cold-start-rewind + per-canonical-per-member-refresh-cadence-rewind + per-canonical-per-member-cross-banner-handling-rewind + per-canonical-per-member-anomaly-detection-rewind + per-canonical-per-member-NBA-handoff-rewind + per-canonical-per-member-compliance-gate-rewind + per-canonical-per-member-Robinson-Patman-ECOA-EU-AI-Act-Article-22-overlay-rewind + per-canonical-per-member-replay-confidence-tier + per-canonical-per-member-replay-explainability. Score-2 closing-context: this pillar opens the score-2 tier (1/1 score-2 build-pillar drafted) leaving only score-1 (per-location-list-segmentation SV 90) to close the build-pillar arc.

Engage the loyalty-journey agent

Per-portfolio per-banner per-location per-member per-canonical-LTV-data-source-pointer + per-canonical-LTV-class-spec + per-canonical-LTV-math-method-spec + per-canonical-cold-start-spec + per-canonical-refresh-cadence-spec + per-canonical-cross-banner-handling-spec + per-canonical-anomaly-detection-spec + per-canonical-NBA-handoff-spec + per-canonical-compliance-gate-spec + per-canonical-audit-trail + per-portfolio-audit-trail shipped as the orchestration layer above your existing per-loyalty-platform-vendor + per-POS-ecommerce-vendor + per-CDP-CRM-ESP-vendor + per-Robinson-Patman-counsel-vendor + per-cannabis-loyalty-compliance-vendor + per-CMP-vendor primitive.

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