Two rails the retailer already runs. Zero new onboarding.
The cooperative integrates through two existing categorical POS rails — a national coupon-class clearinghouse and a SKU-level adjudication program manager — both already live at major US retailers. Your retail partners do not stand up a new vendor relationship to participate.
What "categorical" means in practice
Coupon-class clearinghouse rail
A national coupon-class clearinghouse already live at major US retailers. The cooperative is recognized as an existing coupon-class participant — the retailer does not onboard a new vendor. Routing logic matches a standard coupon-class redemption at the register.
SKU-level adjudication rail
A SKU-level adjudication program manager already live at major US retailers. The cooperative attaches Coop-IC at SKU via the open GS1 Application Identifier 8112 standard. The program manager identifies qualifying SKUs in a basket and applies cooperative-DAF-held value before SNAP draws.
Retailer is paid full retail price in standard funds
Settlement is routed through standard payment rails (traditional ACH at launch; programmable rails as those mature). From the retailer's perspective the receivable is indistinguishable from a coupon-class clearinghouse settlement: full retail price, settled on the rail's standard cadence.
The cooperative bears the settlement orchestration. The retailer interacts only with the rails it already integrates with.
What does NOT change on the retailer's side
- —No new POS code on the retailer side. The cooperative is a coupon-class participant on rails the retailer is already running.
- —No new vendor onboarding. The cooperative does not appear in the retailer's vendor master file — its presence is mediated by the two existing rail operators.
- —No new SKU-master changes. Coop-IC attaches at SKU through GS1 AI 8112; the retailer's existing SKU master is unaffected.
- —No new settlement integration. Settlement runs through a tier-1 payment processor on top of a regulated USD-denominated stablecoin rail, with USD redemption. The retailer receives full retail price in standard funds.
- —No new reporting burden on the retailer. The cooperative provides quarterly brand-attribution reports to the donating brand — the retailer is not a reporting party.
Brand-attribution reporting (SKU + location + date for every redemption) is delivered directly to the donating brand on a quarterly cadence. The retailer is a transaction participant, not a reporting party.
Talk to us about your retailer integration
We will walk your team and your retail partners through the rail architecture, the settlement flow, and the reporting handoff in a 30-minute briefing.
Request the brand briefing pack