The platform uses open banking APIs to connect with users' bank accounts, awarding them with loyalty points and personalized offers, which can be accessed through loyalBe's D2C app or integrated into partners' apps and platforms. The company primarily targets banks, fintech, and insurance companies, providing an embedded rewards platform to increase customer engagement and lifetime value. For retailers, loyalBe helps identify, reach, and influence potential buyers through personalized campaigns, while also measuring the true sales impact of marketing efforts.