Merchants · Placement

How your offer finds its customer.

Matching runs on spending intent, category-level signals computed inside the customer’s consent, never on raw transactions or identities.

The matching mechanism

1 · Intent, not identityQoyla computes category signals. “pays for internet monthly”, “saving for travel”. You never see who, only how many match.
2 · Your offer declares its fitCategory, value, the catch (always stated), and eligibility, declared up front.
3 · The advisor decides placementOffers surface only where they genuinely help, a rewards hub, a relevant moment. Never interrupting a money decision.
4 · Claims are recordedEach claim seals a record both sides can verify, the basis for settlement.

Targeting that exists, and that doesn’t

You can targetYou cannot target
Spending categories (e.g. internet, dining)Individual customers or raw transactions
Intent states (saving for travel, new salary)Health, religion or other sensitive inference
Regions and corridorsCustomers who opted out of offers
Value tiers (verified, not asserted)Anyone under 18

The honesty bar

The catch is always statedExpiry, caps and conditions render with the offer, omitting them fails review.
No overspend nudgesOffers may reward spending customers already do; they may not engineer new spend on credit.
Claims are reversibleInside the stated window, a claim can be undone, design your offer accordingly.

Ready to design yours?

Apply, and a placement editor helps shape your first offer.

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