The everyday app your customers use, with your programme inside it.
BLACKBOOK keeps the memberships people use most in one wallet, the card, the airline, the hotel and the club, and it is where they plan, book and pay, every day and wherever they are. Your programme works inside it as your own app does: earning, redeeming and enrolling, with the data coming back to you.
Your programme, in the app your customers use every day.
Some members will use your app, some will use ours, and both count. Inside BLACKBOOK your programme works as it does in your own app: the earn, the redemption and the enrolment are yours, and so is the data.
In the everyday
The coffee, the gym, the table on Thursday, the trip in October. Your programme is there for all of it, earning, redeeming and enrolling.
One basket, one checkout
Flights, rooms, tables and tickets from different suppliers, paid once, on your card or with your currency.
The data, back to you
Where your card or programme is used and where it goes quiet, which benefits are taken and which sit untouched, in the portal and the API.
The same product, in the format that fits.
Whichever way in you take, the product underneath is the same, built and maintained by us. Your programme keeps its own name, its own rules and its own look.
Our app, your name
The whole app, wearing your brand from the icon down. Your members get the everyday wallet and the marketplace, with your name on the door.
Private labelSuitsBanks and airlines that want the whole app under their own name.Your space inside ours
Your programme as a branded home inside BLACKBOOK. Members see you clearly, and you sit beside the rest of what they belong to.
Micro labelSuitsHotels, clubs and memberships, magazines and media, and programmes that do not need an app of their own.Our pieces, your app
Take the parts you want — the wallet, the offers, the basket — into an app you already publish.
SDKSuitsPartners who already publish an app their members open.You take control
Our inventory, currency and payment orchestration behind a front end that is entirely yours.
APISuitsPartners with their own front end and engineering team.Listing a venue on the Marketplace is different: the venue is found and booked inside BLACKBOOK. A micro label is your own space in the app, with your membership in the wallet.
Five kinds of partner.
Each page is written for one kind of partner: what your programme does inside BLACKBOOK, what you see, and how it is priced.
Banks & issuers
A better kind of loyalty for card programmes — the right offer to each cardholder, and points that move.
Read more ›
Airlines & loyalty programmes
Booking by asking, and miles that work on the ground between flights.
Read more ›
Hotels
Your rooms sold as if on your own site, and the guest handed back as a member.
Read more ›
Clubs & memberships
The club, in the wallet they already open — courts, credit and guests, and a membership that travels.
Read more ›
Magazines & media
The subscription in the wallet, articles that book, and ancillary income on what readers go on to book.
Read more ›What members do in the app.
Every feature works for your programme in whichever format you take. Each one is shown on the Features page as it runs in the BLACKBOOK demo.
Hold the button and say it. It comes back held, booked and paid on the card.
See it › 02From your photosThe pools, bars and hotels members save, placed and turned into plans.
See it › 03Plans with friendsOne plan for everyone coming, one thread, and the bill split at checkout.
See it › 04Offers where they areWhat their cards and memberships open in the city they are in today.
See it ›Built on permission, and logged.
Each partner sees what its own programme needs, at the level its role allows. A bank sees how its card is used; a club sees signals about its members, never their day outside the club.
Where a partner does not need a member’s details, BLACKBOOK sends signals instead: an opportunity to offer something, a benefit going unused, a member in a partner’s city. What a member does elsewhere in the app stays with BLACKBOOK.
Identity, permissions and consent, the wallet and the exchange, booking and payment. We build each of them ourselves, so the handling of identity and data is part of the design.
Every permission is recorded as a timestamped event, and BLACKBOOK keeps asking: a member can see what they have agreed to and change it at any time.
Make your card the first choice at home and abroad.
Every bank wants the same things from its card: first choice at home, the card in hand abroad, and benefits that are felt rather than filed. Most of the pieces already exist — offers in every city, points, cover, lounges, a concierge. The gap isn’t having them. It’s knowing which one to put in front of which cardholder, and when — and that takes knowing who they are, what they like and where they are today, which an offer catalogue can’t tell you.
BLACKBOOK is the everyday app your cardholders open for the coffee, the gym, the table on Thursday and the trip in October — so it knows what they like and where they are, and can put the right benefit in front of them at the moment it’s useful, in London as at home. Your programme lives inside it in the format that fits your bank — the app, your own label, a segment, an SDK or an API — and the same signals come back to you as data: where the card is used, where it goes quiet, what to put in front of whom. Data, security and privacy each have their own section below.
Businesses named in these demos are for demo purposes only.
The gap between having a benefit and using it.
Banks invest heavily in card benefits, merchant offers and partner promotions, but the customer experience is often fragmented. A cardholder must remember the benefit, find the original communication, locate a code, open another website and complete the purchase outside the bank’s environment. Every additional step reduces the likelihood that the benefit will be used.
General offer directories do not solve the problem. They still require the customer to search through benefits that may have little connection to what they are doing, where they are going or what they are about to buy.
BLACKBOOK closes that gap by using context to surface an eligible benefit at the point it becomes useful. The customer can discover the offer, understand its value and, where the integration permits, activate or redeem it inside the same experience.
The offer is on the card, in the app, at the moment it applies. One tap, paid once.
No email, no code, no other website. The benefit is embedded where the cardholder already is — on the map, on the booking, at the checkout — and it is applied because the card is the one paying. What was seen, saved and used comes back to you as data.
At home in Dubai. The right benefit, wherever they are.
The app knows where the cardholder is and what is already on the card there. So the offer that surfaces in London is not the one that surfaces in Singapore, and neither is the one they see at home on a Thursday — each arrives at the moment it applies, on the card that is paying.
Turn intent into timely action.
Banks already hold valuable transaction and customer data. The challenge is turning those signals into relevant action in real time. A flight purchase, hotel booking or significant retail transaction can indicate what the cardholder is likely to need next.
When BLACKBOOK identifies an agreed trigger event, it sends an actionable, privacy-conscious signal back to the bank, so the bank can initiate an automated campaign or present a relevant offer at the right stage of the journey.
The bank decides which signals matter, which customers are eligible and how each campaign is delivered. BLACKBOOK provides the content, orchestration and connected experience that makes the response useful.
Before travel — the bank can surface destination benefits, travel insurance, foreign exchange, airport services or a relevant card offer.
During the trip — the cardholder can receive timely dining, retail, experience, mobility and hotel benefits based on the destination and agreed eligibility rules.
After a qualifying purchase — the bank can make an associated service visible, such as optional cover for a newly purchased watch or another valuable item.
Know the trip is coming.
Be the card before it starts.
Every trip announces itself weeks ahead: a flight booked, a hotel confirmed, a table held, a calendar that fills. Trip Radar reads those signals inside the everyday app and tells you, for each banking client, where they are going, when, and what is already on the card for that city.
That is the window. Before departure, the client hears from you first — the lounge on the card, fast track on arrival, the car outside, a table held for the first night. On landing, yours is the card already switched on. During the stay, a delay or a change is handled on the card before they ask. By the time another card in the wallet makes its case, yours has been used.
What has made this hard until now is not the offers; every bank has them. It is timing and audience. A catalogue can’t tell you which client is flying to London on Thursday. The app can, and it puts the right benefit in front of that one person at the moment it is useful — then reports back what was seen, saved and used, so the next trip starts from what the last one taught you.
hears
in front
of them
Keep the experience connected.
The value is not simply in showing another offer. It is in keeping discovery, activation, booking, redemption and support connected wherever possible. Instead of sending the customer through a browser pop-up or a disconnected merchant journey, BLACKBOOK can embed content and services inside the bank’s chosen experience.
This continuity makes the customer easier to support and gives the bank a more complete view of the moments that matter, without requiring BLACKBOOK to take ownership of the bank’s customer identity. It also allows memberships, card benefits, loyalty programmes, bookings and support to live together in one place.
Make points part of the purchase.
Bank reward points can sit within the BLACKBOOK loyalty wallet alongside participating airline, hotel and lifestyle programmes. The cardholder can see the value available to them and use it within a relevant purchase journey.
This gives customers more useful ways to engage with their points and creates more frequent reasons to return to the bank’s ecosystem.
Redeem bank points against eligible products or services inside the experience.
Combine points with a card or cash payment when a full points redemption is not available or preferred.
Transfer value into participating airline or hotel loyalty currencies where the bank and programme enable that exchange.
Businesses named in these demos are for demo purposes only.
Points on the card.
And points on us.
Where a supply contract pays BLACKBOOK a commission — the hotel, the table, the chauffeur, the store — we set aside a fixed share of that commission and return it to your programme as points, credited to the cardholder who made the purchase. It applies only where we earn a commission, and it is funded from our side of the transaction, not yours.
So the cardholder earns twice on the one purchase: your points on the card spend, exactly as today, and an additional amount from BLACKBOOK on top — whether they are in the BLACKBOOK app, in your own branded app, or in something you built on our SDK or API.
Your rate, your ledger. The additional points are credited into your programme; nothing changes on your rails.
Debit cardholders earn too. A debit card that carries no points today earns them through BLACKBOOK, returned as your points — a reward layer on a product that has never had one.
Every credit is an event you can read in the portal: which purchase, which cardholder, and what it lifted.
Extend protection and support around the journey.
Existing card benefits should be visible when they are needed. BLACKBOOK can make travel insurance, airport services and concierge support easier to find, understand and use.
The same event-based approach can support optional ancillary protection. If a cardholder books a trip or makes an eligible high-value purchase, the bank can present relevant cover at that moment rather than relying on a generic promotion sent weeks later.
Concierge support adds a human service layer. The cardholder has somewhere to turn for help with an itinerary, booking, benefit or unexpected issue, while the bank remains part of the relationship.
Insure the watch, from today.
The purchase is the moment. The receipt is the proof.
A high-value transaction lands, and the same minute the cover for it is on the card — one tap, no form, no photos, no call. Declined once, it does not come back. The same trigger works for the rest of the programme.
One platform, flexible delivery.
Banks can use BLACKBOOK in the format that best fits their customer strategy and technology environment. The same underlying ecosystem can be delivered through:
The bank can begin with a focused customer journey and expand over time without rebuilding the proposition for every channel.
The BLACKBOOK app
Full — a bank-branded private label experience
Resident — a targeted micro label for a particular segment, card or use case
Embedded — an SDK inside the bank’s existing app
Headless — APIs that connect BLACKBOOK content, loyalty and orchestration capabilities to the bank’s own channels
Insider, COMPANION
and COMPANION+.
One platform for every customer you bank, delivered as three levels. Insider is the BLACKBOOK membership: offers and promotions, and your points earned on debit card spend inside BLACKBOOK. COMPANION is Insider with your value-added services turned on, for premium, mass affluent and high net worth cardholders. COMPANION+ is for private wealth and high net worth clients, with a person in it.
All three arrive the way you prefer: your own app under your brand, a home inside BLACKBOOK, or our components inside the app you already publish. A customer who moves up the relationship moves between them without changing app, losing their wallet, or being re-onboarded.
Insider
The BLACKBOOK membership level. Offers and promotions in the app, and your points earned on debit card spend inside BLACKBOOK.
COMPANION
Insider with your value-added services turned on. The card’s benefits, live in the app at the moment they apply.
COMPANION+
Private wealth and high net worth. A product for the relationship, above the card ladder, not inside it.
Bring what you
already pay for.
Most banks already pay for the pieces: a lounge programme, travel insurance, a concierge, a rewards catalogue, benefits from the card network, points partnerships with airlines and hotels. They just do not join up. Each one is its own app, its own login, its own claim form.
The Towbar is how we connect to the partners you are already in contract with. One coupling on our side, one on theirs, and the benefit shows up in the member’s wallet, in the basket and in your portal, without renegotiating a single agreement. You keep the contracts. We make them feel like one product.
Signals for the rest of your bank.
Because members open BLACKBOOK for the everyday, it sees the moments that come before a banking decision: a first trip abroad, a move to a new city, business travel every month, a family holiday booked for four, a watch or a car looked at over several weeks. Each one reaches your portal as a signal against your own customer reference, across the whole book, from debit customers to private clients.
You decide what each signal is for and who acts on it: a first credit card, an upgrade, cover for a trip, a mortgage conversation, an introduction to private banking. The member has agreed to it, and nothing identifies them to us beyond the reference you give.
In the portal, signals show as counts and cohorts. A signal about one person goes to your team only where that member has agreed to it, and only against your reference.
Data security and cardholder privacy.
BLACKBOOK is designed to help banks act on context without giving up control of the cardholder relationship. The bank remains the source of customer identity and can connect BLACKBOOK activity to a bank-controlled or pseudonymous reference. BLACKBOOK does not need to know the cardholder’s underlying identity during search and discovery.
A cardholder’s searches can remain anonymous to BLACKBOOK until they choose to make a booking, redeem a benefit, request concierge assistance or complete another action that requires fulfilment. At that point, only the information needed to complete that action is collected or passed to the relevant provider, subject to the cardholder’s consent, the bank’s rules and applicable law.
Signals are event-based rather than an unrestricted transfer of browsing history or personal information. This allows the bank to respond to a meaningful travel or purchase moment while limiting unnecessary exposure of customer data.
Data minimisation and purpose-limited processing
Separation of customer identity from search and discovery activity
Encryption in transit and at rest
Role-based access controls and auditable data handling
Consent, retention and sharing rules agreed with the bank and governed by applicable law
The precise data flows, security controls and responsibilities are documented for each integration so that the bank can review and approve how the service operates before launch.
Holds the identity. Issues a reference.
Sees the reference and the preferences. Not the person.
Receives what the booking needs. At that moment. With consent.
Personalisation is a data question. The data is already yours.
A card programme already holds what real personalisation needs: where the card is used, when, on what, and how that changes. Handled properly, it puts the right benefit in front of the right cardholder in real time — and a cardholder who is recognised that way stays. What has been missing is not the data. It is the experience that turns it into a moment the cardholder feels, and the permission structure that allows it to be used at all.
That is how BLACKBOOK is built. The experience — the app, your label, a segment, an SDK, an API — is tied to a digital identity layer that holds the rules and the permissions, with proof of the cardholder’s consent at every step. Those permissions connect back to the data insight that decides what is shown, and to whom. No insight without permission; no personalisation without insight.
The portal below is the bank’s side of it, live: where the card is being used and where it has gone quiet, which benefits are being felt, and where the opportunity is right now — a promotion, a benefit, an offer that makes sense for that cardholder at that moment. Six of its screens, with synthetic data.
Book a DemoEach is a list, not a segment. The portal names the cardholders, the moment, and the offer that fits — and hands it to the studio.
Every cardholder with a trip inside the window, by destination, against how certain we are. The stay is booked on whichever card is nearest about three weeks out.
Declined once, it does not come back. The rule, the copy and the price are yours; the moment is ours.
Your points sit beside every other programme in the wallet, priced by you. They are spent at the moment of purchase — which is the only moment a point is worth anything to the cardholder.
Nothing here is browsing history. Every line is a moment the cardholder consented to share, and each can be withdrawn — the bank loses it the same minute.
Surface the concierge desk — 55% propensity, US$780 unclaimed.
A request no app closes on its own.
Sharjah to New York carries US$251k of this client’s spend. The benefits built for exactly that trip are the ones showing dark.
Your concierge desk is waiting in New York.
Your Reserve already includes the concierge desk — active the moment you land in New York. You’ve had it all along.
Show meGoes quiet at the border: groceries 0.0% · coffee & casual dining 0.0% · fuel & transit 0.0% · telco 0.0%.
| MCC | Category | Amount | Day |
|---|---|---|---|
| 5812 | Dining & nightlife | US$479 | Mon |
| 5813 | Dining & nightlife | US$556 | Thu |
| 5812 | Dining & nightlife | US$600 | Fri |
| 5812 | Dining & nightlife | US$481 | Fri |
| 5812 | Dining & nightlife | US$636 | Fri |
| 5311 | Retail | US$914 | Mon |
| 5311 | Retail | US$692 | Thu |
| 5732 | Retail | US$1.8k | Sat |
| 7230 | Cinema & spa | US$635 | Tue |
| 7011 | Lodging | US$1.5k | Thu |
| 4511 | Airlines | US$1.6k | Tue |
| 6010 | Travel agencies | US$462 | Sat |
Four fields — code, amount, timestamp, country — on one opaque token. No identity was resolved to build any of it.
12 transactions on 5411, clustered on one day and one band. A recurring basket is the easiest thing in this data to see and the easiest to reward.
75.5% of fuel & transit spend falls Monday to Friday, 50.8% of it in the morning band. That is a routine, not a trip.
78.2% of dining clears abroad against 39.7% overall. This is a token the dining programme already reaches at the far end.
Nothing above needed a name. Four fields — code, amount, timestamp, country — on one opaque token. No identity was resolved to build any of it, and none is needed to act on it.
The weekly shop, with points on it.
Double points at the supermarket they already use, Sundays. Nothing to switch on; the card is the one paying.
The commute, on your bank.
Fuel and transit on the card, credited overnight — the ordinary week, so the card is in hand for the big ones.
Dinner tonight, points on it.
The dining programme already reaches abroad. A table held for the first night, settled on the card.
Utilisation against the entitlement ceiling, and the value modelled as recoverable if the benefit is surfaced at its moment rather than left on a web page — the moment coming from each cardholder’s behaviour, not a send calendar. Select a row to open it.
| Benefit | Moment | Carried by | Eligible | Issued | Consumed | Utilisation | Recoverable | Headroom |
|---|---|---|---|---|---|---|---|---|
| Travel booking discount | Planning | Network | 62.0k | US$14.9m | US$2.2m | 14.6% | US$3.1m | |
| Airport lounge access | Departure | Network | 35.9k | US$9.8m | US$4.5m | 45.8% | US$2.3m | |
| Dining programme | Everyday | Issuer | 35.9k | US$7.9m | US$2.2m | 28.1% | US$2.2m | |
| Airport transfers | Departure | Network | 35.9k | US$6.0m | US$1.7m | 28.3% | US$1.6m | |
| Cinema tickets | Everyday | Network | 57.8k | US$9.7m | US$3.0m | 30.4% | US$1.1m | |
| Complimentary hotel night | Planning | Issuer | 12.9k | US$4.6m | US$986k | 21.3% | US$1.0m | |
| Grocery rebate | Everyday | Network | 57.8k | US$7.6m | US$2.9m | 37.6% | US$723k | |
| Golf privileges | In destination | Issuer | 12.9k | US$4.2m | US$489k | 11.5% | US$526k | |
| Food delivery credit | Everyday | Network | 49.2k | US$5.3m | US$2.2m | 40.8% | US$423k | |
| Travel medical & accident | Pre-trip | Network | 62.0k | US$2.2m | US$564k | 25.3% | US$373k | |
| Security fast track | Departure | Network | 12.9k | US$1.2m | US$320k | 26.0% | US$316k |
Carried by the network · Reserve · Signature · Preferred · up to 8 per year
Boarding pass in wallet, three hours before departure
Surfaced at the gate, three hours out, in the app they already have open. Not on a web page they would have to remember.
The book this week: spend at home and abroad, benefits felt, and where the card is going quiet.
Synthetic data · six of the portal’s screens · the full portal is walked through when you book a demo.
Make the bank useful beyond the payment moment.
Most customers think about their bank when they pay, check a balance or solve a problem. BLACKBOOK gives the bank a useful role across planning, travel, lifestyle, loyalty, protection and support.
By bringing benefits, memberships, points, content and service into one connected ecosystem, the bank can build everyday relevance, stronger card preference and a more continuous relationship with its customers.
Build your connected cardholder experience with BLACKBOOKAirline loyalty
programmes.
Every programme wants the same things: to be chosen when there is a choice, miles that are felt rather than filed, and a relationship that stays alive between flights. Most of the pieces already exist — the partners, the upgrades, the lounge, the stopover, the ledger. The gap isn’t having them. It’s knowing which one to put in front of which member, and when — and that takes knowing who they are, what they like and where they are today, which a profile refreshed at each booking can’t tell you.
So the programme goes where the member already is: the app they open every week for the coffee, the gym, the table on Thursday and the trip in October. It knows what they like and where they are, so your partner, your upgrade and your stopover arrive at the moment each applies, on the ground as in the air. How it reaches them is yours to choose — your own app under your name, a smaller label for one tier or one route, an SDK inside the app you already publish, an API into your own channels — and, for airlines, one more door: your programme inside the assistants your members already book with. What was seen, saved and used comes back to you as data. Data, security and privacy each have their own section below.
Businesses named in these demos are for demo purposes only.
Two nights in London, through your app.
One member, one trip, one basket. Each screen is a different line of the eight, in the order the trip actually happens. Step through it at your own pace.
The gap between earning a mile and using it.
Programmes invest heavily in partners, upgrades and promotions, but between flights the member rarely meets any of it. A mile is earned at the gate and thought about again at the next booking; the partner offer arrives by email, the redemption lives in a catalogue on another site, and the upgrade is checked on the day. Every additional step reduces the likelihood that the programme is felt.
BLACKBOOK closes that gap by putting the programme where the member already is — in the wallet they open every week — and surfacing the mile, the partner and the upgrade at the moment each applies.
The programme is in the wallet, in the app, at the moment it applies. One tap, paid once.
No email, no code, no catalogue. The mile, the partner offer and the upgrade are embedded where the member already is — on the map, on the itinerary, at the checkout — and they apply because the programme is the one paying. What was seen, saved and used comes back to you as data.
At home in Dubai. The programme, wherever they are.
The app knows where the member is and what the programme gives them there. So the partner that surfaces in London is not the one that surfaces in Singapore, and neither is the one they see at home on a Thursday — each arrives at the moment it applies, earning your currency.
You already know the trip is coming. Be the programme before it starts.
No one has a stronger signal than the airline: the trip exists the moment the seat is booked with you. Trip Radar takes that signal into the everyday app and, for each member, attaches what comes next to the itinerary you already own — the stopover as a stay, the hotel, the car, the first-night table — earning your currency and settled in one basket.
That is the window. Before departure, the member hears from you first — the upgrade priced in miles while the seat map is open, the lounge, the stopover offered while the routing is still being chosen. On landing, yours is the programme already switched on. During the stay, a delay or a change is handled on the itinerary before they ask.
What has made this hard until now is not the partners; every programme has them. It is timing and audience. A catalogue can’t tell you which member is landing in London on Thursday. The app can, and it puts the right partner in front of that one person at the moment it is useful — then reports back what was seen, saved and used, so the next trip starts from what the last one taught you.
hears
in front
of them
Make miles part of the purchase.
Your miles sit in the wallet the member opens every week, next to the card and the other programmes they belong to. The member sees what their miles are worth today and spends them inside the purchase — the hotel, the table, the transfer — not only the seat.
This gives members more useful ways to engage with their miles and creates more frequent reasons to return to the programme between flights.
Redeem miles against eligible products or services inside the experience, at the rate you set.
Combine miles with a card payment when a full redemption is not available or preferred.
Post earn and burn to your ledger at the transaction, through your loyalty API — not in a nightly file.
Businesses named in these demos are for demo purposes only.
Additional miles on everything booked through us.
Where a supply contract pays BLACKBOOK a commission — the hotel, the table, the chauffeur, the store — we set aside a fixed share of that commission and return it to your programme as miles, credited to the member who made the purchase. It applies only where we earn a commission, and it is funded from our side of the transaction, not yours.
So the member earns twice on the one purchase: your miles on the flight, exactly as today, and an additional amount from BLACKBOOK on the ground — whether they are in the BLACKBOOK app, in your own branded app, in something you built on our SDK or API, or in the assistant they asked.
Your rate, your ledger. The additional miles are credited into your programme; nothing changes on your rails.
The member who flies twice a year earns every week. The programme becomes something they hold in the hand between flights, not only at the gate.
Every credit is an event you can read in the portal: which purchase, which member, and what it lifted.
The benefits on your co-branded card, used.
Most programmes have a card attached — issued by a bank, carrying your name, earning your miles, and loaded with benefits the cardholder rarely meets: the lounge, fast track, the companion fare, the upgrade voucher, travel and purchase cover, the issuer’s own offers. We work with the airline and the issuing bank together. The card’s benefits and offers are read once, at sign-in, and each one is put in front of the cardholder at the moment it applies — in the same wallet as the miles, under whichever brand the two of you choose.
Nothing is renegotiated. The issuer keeps the card, the ledger and the cardholder; you keep the programme. What changes is that the card is felt — on the boarding day, in the basket, at the till in the city they landed in — and both of you can see which benefits were used, which sat dormant, and where the card was chosen.
One wallet, both sides. The programme’s miles and the issuer’s card sit together, gated to the cardholder’s own entitlement, so the benefit that applies is the one they see — not the whole table.
Felt every day, not twice a year. BLACKBOOK is the app they open for the coffee and the court, so the co-branded card is in hand for the small things and becomes the card for the flight.
Read by both of you. Issued, consumed, dormant — every benefit and offer on the card reported back to the airline and the issuer as consented, event-based signals, never browsing history.
More than one way in.
Airlines come in at different points, for different reasons, and the same platform serves each of them. Some start with the full app under their own name. Some start smaller, with a micro label for one tier, one route or one city — a split A/B test for the modern age, run on real members with real miles, read in the portal, and then widened or not. Some put an SDK inside the app they already publish. Some take the APIs into channels of their own.
Each door is the same programme, on the same rails, so moving from one to the next is a decision, not a rebuild.
Your programme, delivered as
Full — your programme as an app, under your name. BLACKBOOK Air, on this page, is what that looks like
Resident — a micro label for one tier, one route or one use case, read in the portal before the next step
Embedded — an SDK inside the app you already publish
Headless — APIs that carry the content, the miles and the orchestration into channels you already run
The connector — your programme inside Claude, ChatGPT and the other assistants your members already book with: the member number on the search, the trip handed to your app. Airlines only
Be in the conversation
before the booking.
More and more members book by asking. They tell an assistant to get them to London for Thursday, and the flight, the seat and the evening are settled in a conversation the airline never sees. The booking arrives without its origin, without the member number, and without the programme having made its case.
The connector puts the member’s number on the search from the start, so allowances, seat benefits and upgrade eligibility price in before they book. Then the conversation hands over to the app where the whole trip lives, and where the miles are spent. Because we are both the connector and the fulfilment, measurement is first-party and server-side: invocations, itineraries and bookings, tied to the member and posted back to you.
becomes a stay.
Shipped as an SDK inside the app you already publish, or as a private label under your own name.
Open external link
128,400Inventory & upgrade
We connect to your fares and seats through your own APIs — upgrades and redemptions included, against your live availability — rather than through a third-party feed. Because the member number rides on every search, their allowances, seat benefits and upgrade eligibility price in before the booking, and accrual posts on every ticket with no post-flight claim.
Ledger integration
Your loyalty ledger stays the system of record. We read balances and post earn and burn through your loyalty API — in the air, on the ground and in the basket — at the transaction, not in a nightly file. Your rewards engine, gift-card catalogue and partner catalogue stay exactly where they are.
Ancillary attach
Rooms, tables, transfers and experiences attach to the itinerary you already own, earning your currency. The booking stays yours; we attach to it.
Enrolment in the flow
With a single consent, a traveller flying you can join your frequent-flyer programme inside the same booking — through your enrolment API, so the member record is created in your system, not ours. No form, no second app. Every itinerary becomes an acquisition channel for your programme, on commercial terms we agree.
Attribution you own
Because we are both the connector and the fulfilment, measurement is first-party and server-side — invocations, itineraries and bookings, tied to the member and posted back to you. The demand arriving from assistants stops being invisible direct traffic.
Not a replatform
Whatever runs your programme today keeps running it — passenger system, rules engine, ledger, partner catalogue, all in place. Everything above is an integration with the capability you already have, not a replacement for it: no migration, no member freeze, no year-long cutover. Live against your book in weeks, not quarters.
A flight, asked for out loud and paid from the wallet.
- VoiceThe ask, the choice and the yes
- WalletCard and miles in one payment
- EvidencedEvery step filed against the consent
The member presses the button and says where they need to be. The programme number is on the search from the first word, so the fare, the allowance and the upgrade are priced for them. They say yes, and the flight is paid on the card with the miles from the wallet, ticketed, and sitting in the itinerary before they have put the phone down.
Permission is given once and every action is recorded as a timestamped event, so the airline, the issuer and the member can all see what was agreed to and when. The same request can arrive from Claude or ChatGPT through the connector, with the identity and the consent carried through.
Every line on the right was allowed by the record on the left, and is filed against it.
2Now open it the way it looks on the phone
Personalisation is a data question. The portal is where the programme sees the whole of it.
Plenty of businesses build separate apps around a programme. What we find missing is that none of them report back to a core piece of infrastructure around digital identity — the layer that holds the member’s permissions, and the foundation agentic commerce needs. And because each app keeps its own record, the programme is left without a single view of how it is performing across all of them — what is used, what sits dormant, where the member goes quiet between flights.
Airline Intelligence is that view. We aggregate the signals — consented, event-based, never browsing history — and give the programme the visibility, then the vehicle: campaigns, partner offers and promotions composed from those signals and put in front of the members they fit, modelled against a holdout before they are funded. Your own promotions go through the same door, and for the first time every benefit in the programme can be read: issued, consumed, dormant.
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Data security and member privacy.
BLACKBOOK is designed to help airlines act on context without giving up control of the member relationship. The airline remains the source of member identity and can connect BLACKBOOK activity to an airline-controlled or pseudonymous reference. BLACKBOOK does not need to know the member’s underlying identity during search and discovery.
A member’s searches can remain anonymous to BLACKBOOK until they choose to make a booking, redeem miles, request concierge assistance or complete another action that requires fulfilment. At that point, only the information needed to complete that action is collected or passed to the relevant provider, subject to the member’s consent, the airline’s rules and applicable law.
Signals are event-based rather than an unrestricted transfer of browsing history or personal information. This allows the programme to respond to a meaningful travel or purchase moment while limiting unnecessary exposure of member data.
Data minimisation and purpose-limited processing
Separation of member identity from search and discovery activity
Encryption in transit and at rest
Role-based access controls and auditable data handling
Consent, retention and sharing rules agreed with the airline and governed by applicable law
The precise data flows, security controls and responsibilities are documented for each integration so that the airline can review and approve how the service operates before launch.
Holds the identity. Issues a reference.
Sees the reference and the preferences. Not the person.
Receives what the booking needs. At that moment. With consent.
Your rooms and your programme, in the app members use every day.
We work with hotels as a micro label: your hotel’s own branded space inside BLACKBOOK, for every kind of property, from small independent and boutique hotels to the large hotel brands. We do not operate as an online travel agency. We connect your rooms, rates and ancillaries so our members can book them as if they were booking on your own website or app, with the opportunity to earn status and points for the stay.
BLACKBOOK is an app members already carry, so there is nothing new to download before a stay. The moment the room is booked, a door opens: a direct line between the guest and your property, before, during and after the stay.
With the guest’s permission, what they have told us about the stay passes to your team before they arrive. They can book room upgrades and ancillaries, make special requests and buy what they need, and your team can add the hospitality that makes sense for them.
Sold as if it were yours
Your rates, your terms, your restrictions, your programme. The room appears in the basket next to the flight and everything else, cleared on one checkout, and the booking lands with you as your booking.
Enrolment in the flow
With a single consent, a guest booking your property joins your loyalty programme in the same basket — enrolled before check-in, recognised on arrival. Every stay is an acquisition channel for your programme.
Your programme, first
Once it is in their wallet it moves to the front of what we show them: the next stay, the offers, the places that earn your points. Status they are building is a reason to stay with you again.
The data passes through
Everything the guest agreed to share in the booking reaches you — who they are, how to reach them, who they are travelling with, what they booked around the stay. Permissioned by them, and yours.
Ancillaries, weeks ahead
We integrate with your PMS or your ancillary reservation system, pulling availability, dates and pricing so the spa, the table, the transfer and the cabana are bookable before arrival and sit in the guest’s itinerary.
Connected to the property
Your team can talk to the guest inside the app, before and during the stay. Ours answers alongside you, on your behalf, when a question comes up on the fly.
Points, both ways
Guests earn on the stay and can pay with what they already hold — including balances from programmes that are not yours.
Straightforward terms
A content fee on what we sell, a booking fee to the guest, a service fee to the property. No surprises in the middle.
From the booking to the room, and everything the hotel offers.
Once the stay is booked, your hotel opens its page for the guest inside BLACKBOOK. The guest can share what they like for a better stay, message the front desk, and add what is on while they are there, from live music in the bar to the spa, the salon, a table, a local experience or tickets for the night.
The demo app, recorded. Businesses named are for demo purposes only.
- 01The stay is booked
The hotel opens its page for the guest the moment the booking lands.
- 02The hotel, for this stay
The room, what their status gives them, check-in and the key in the wallet.
- 03Shared for a better stay
The guest shares a quiet room, a firm pillow, no nuts and when they arrive, for this stay only. The front desk replies in the thread.
- 04What is on while they are there
Live jazz in the lounge, the tasting menu, the spa, the salon, a private tour and two seats at the theatre.
- 05Added with one tap
Each one goes into the basket, paid on the card or with points, and earns in your programme.
- 06A conversation with the hotel
The guest and your team talk in one thread, before arrival and during the stay.
Your club, in the one app your members use every day.
BLACKBOOK is one app and one wallet for everything a member does, every day and wherever they are in the world, shown at the right time and in the right place. Your club lives inside it as a micro label: your own space in the app, with the membership in the wallet, the court or the tee time a tap away, and the day around it planned with friends in the same place.
It works for every kind of club and membership: sporting clubs in particular, and private members’ clubs too. Your club earns affiliate income from the members it introduces, and BLACKBOOK signals when there is something worth offering a member.
The clubs the micro label is made for.
We connect the club’s booking and reservation systems inside BLACKBOOK, so the club runs as a mini app in the app its members already use. Every member who uses it through BLACKBOOK earns the club affiliate income. These are the categories it works best for.
Courts booked from the card, partners found in the app, and the coffee after planned in the same place.
Tee times, guests on the member rate, the clubhouse table, and partner courses when members travel.
Courts, coaching and leagues in the calendar, with the doubles four sharing one plan.
Classes, training, saunas and specialist wellness centres, booked around everything else in the member’s week.
Members’ houses and car clubs: the card at the door, guests invited in the app, and reciprocal clubs abroad.
The membership, beside everything else they carry.
The membership card sits in the wallet beside the member’s bank card, airline and hotel programmes. It shows the tier and what it includes, the guest passes left this month and the partner clubs abroad, and it is put in front of the member at the moment it applies: on the way to the court, at the desk, or in another city.
- Court and tee bookingThe members’ booking window, straight from the card
- GuestsPasses used and left, and a guest invited in one step
- Members’ nightsYour events, in the member’s calendar
- ReciprocityPartner clubs abroad at the member rate
- 01The membership card, in the wallet
- 02A court booked from the card
- 03Friends invited: a member, and two guests on the member’s passes
- 04The plan for the evening, and a chat for everyone on it
- 05Sent to Google Calendar
The demo app, recorded. Businesses named in these demos are for demo purposes only.
Padel on Friday, dinner after, and friends who aren’t members.
The member books the court and shares the plan. Sofia is a member of the club; Marcus and Amal aren’t, and come in on the member’s guest passes. Everyone sees the same plan, adds to it and replies in one thread, and the bill for dinner splits four ways when it comes.
1Tap to split the bill four ways
✓Settled. Nobody fronted it, nobody chases anybody.
2Now open it the way it looks on your phone
- InviteFriends added to the booking, members and guests alike, with the guest pass applied
- TalkOne thread for the plan, beside the booking itself
- SplitThe bill split in the app, each paying from their own wallet
A court on Friday, dinner after, and friends along for both.
Every booking lives in the member’s BLACKBOOK calendar, which syncs with Google Calendar. The member taps Friday and sees the court, invites friends and opens a chat, then holds the table for after, and it all lands on the calendar and in the chat.
- 01The calendar: tap Friday, see the court
- 02Invite the friends, and the chat opens
- 03Dinner after, at Sexy Fish, in the plan
- 04A table for four held, and the chat updated
- 05Both sent to Google Calendar
The demo app, recorded. Businesses named in these demos are for demo purposes only.
The membership travels with the member.
Where your club already has reciprocal arrangements in place, those partner clubs appear in the app when a member lands in their city, at the member rate and bookable the same way as at home. Where it doesn’t yet, new ones are simpler to open: every club on BLACKBOOK sits on the same wallet and the same booking, so a reciprocal arrangement with a club overseas is a matter of the two clubs agreeing it, and members see it the day it starts.
One membership · four cities
Members from partner clubs are welcomed at yours in the same way.
Twenty percent, for as long as they are members.
Every member who joins BLACKBOOK through your club is attached to the club for the life of their membership. Your club earns 20% of the net commission BLACKBOOK earns on everything those members book, and the same 20% on the membership itself. The rate is the same for every club, it does not step down and it does not expire. It also gives the club a part in the member’s every day, not only on the days they open the club’s own app.
A member joins BLACKBOOK with the club’s code or link, and is attached to the club.
The court, the coffee after, dinner with friends, the hotel on the next trip.
On the stays, flights, transfers, experiences and tickets they book.
Paid for as long as they are members, and reported in the club’s dashboard.
A worked example · one member
- A stayThey book a US$1,000 stay · BLACKBOOK earns about US$100 · US$20 is the club’s
- A tripThey book a US$3,000 trip · BLACKBOOK earns about US$300 · US$60 is the club’s
- The membershipThey take an annual BLACKBOOK membership through the club · US$19.80 is the club’s, once, when they join
- SettlesWhen BLACKBOOK’s commission settles, after the stay or the flight, and paid out. A refund reverses the line, nothing else.
Restaurants, cafés and bars pay no commission, so a table earns nothing on its own. The stay around it does.
Your club · illustrative
Illustrative. Each member: the joining share of the membership plus 20% of BLACKBOOK’s net commission on US$10,000 of commissionable spend a year at a ~10% average, while they stay a member.
Signals about your members, and a way to act on them.
The club gets its own dashboard, by API or in the hosted web dashboard, much like the one merchants use. It shows the benefits attached to the membership and which are used and which are not, and it lets the club push a benefit to a member at the moment it applies. BLACKBOOK doesn’t pass the member’s data to the club. It creates signals: that there is an opportunity to offer something to a member, and the club acts on it through BLACKBOOK. What happens at the club remains the club’s own data.
What the membership includes, and what is used.
Solid: used · hatched: included and not yet used.
Opportunities to offer something.
A reference, never a name. The club acts on the signal through BLACKBOOK; nothing about the member is passed to the club.
A court in London, on the member rate.
✓ Delivered on landing · taken at 14:06
BLACKBOOK tells the club when there is an opportunity: a member is travelling and a partner club is near, something is on at the club, a guest pass is unused, a promotion or a collaboration fits. It doesn’t pass on where a member has been, what they booked outside the club, or who they were with.
What happens at the club — bookings, visits, events, guests — is the club’s own data, and the dashboard shows it back to the club. BLACKBOOK doesn’t add the member’s life outside the club to it.
Every signal rests on the member’s permission. Each permission is recorded in a log with the time it was given, and BLACKBOOK keeps asking: a member can see what they have agreed to and change it at any time.
A mini app for your club, inside BLACKBOOK.
Your club’s own space in the app, under your name: the timetable, court and tee bookings, coaching, members’ nights, guest passes, news and the membership card. There is nothing for the member to download and nothing for the club to build and run, and it sits beside everything else the member belongs to.
- Your brandYour name, your images and your voice on every screen
- Your rulesTiers, booking windows, guest rules and member rates, as you set them
- Your membersEnrolment in the flow, and the membership stays yours
Businesses named in these demos are for demo purposes only.
See it with your club in it.
A short walkthrough of the micro label with your club’s name on it: the membership, a plan with friends, and what the club sees.
Your publication, in the one app your readers use every day.
BLACKBOOK is one app and one wallet for everything a member does, every day and wherever they are in the world. Your publication lives inside it as a micro label: the subscription, print or digital, sits in the wallet, your articles and guides open in the app, and the places, stays, tables, tickets and products in them can be booked or bought from the page.
It works for publishers still printing and for those publishing digitally. You see which articles turned into a booking or a purchase, your subscribers can talk to you in the app, and the publication earns ancillary income on everything the subscribers it introduces go on to book.
The publications the micro label is made for.
Print, digital or both. Wherever your pages send readers somewhere, to stay, to eat, to see something or to buy something, that step can happen inside BLACKBOOK and be counted back to you.
Destinations and stays in the feature, bookable from the page, with the reader’s own status and points.
Exhibitions, performances and openings, with the tickets in the wallet.
The restaurants and bars from the review, with a table held for the reader.
The pieces on the page, bought in the app and paid from the wallet.
Nights out, festivals and the weekend edit, planned with friends in the same place.
The subscription, beside everything else they carry.
The subscription sits in the reader’s wallet beside their bank card, airline, hotel and club memberships. It carries the benefits and promotions you attach to it, from your own partners and from ours, and puts them in front of the reader at the moment they apply: in the city the feature was about, on the night of the opening, at the till.
- The subscriptionPrint, digital or both, in the wallet
- Subscriber benefitsOffers and promotions attached to the publication
- Your pagesIssues, articles and guides, read in the app under your masthead
- A line to youReaders reply, ask and take part, in the app
One subscription · what it carries
Which articles led to a booking, and what was booked.
Inside BLACKBOOK, what an article recommends is bookable from the article itself, and each booking is counted against the article it came from. That holds for print too: the code on the page opens the article in the app. The publication sees what its travel, lifestyle and retail pages set in motion, and so do the partners and advertisers who appear in them.
An article, in print or in the app.
The reader opens it in BLACKBOOK, from the app or the code on the page.
The stay, the table, the tickets or the piece, paid from the wallet.
Reported against the article in your dashboard, and paid on as ancillary income.
One article · illustrative
- The articleFour days on the Riviera · travel · print and digital
- Opened in the app1,840 readers · 312 from the code in print
- Saved to a plan226 readers
- Booked64 stays, 118 tables held, 41 boat days
- To the publication20% of BLACKBOOK’s net commission on the stays and boat days, paid out as it settles
Every entry in the article
- The hotelBooked on the hotel’s own rates, with the reader’s status and points
- The restaurantA table held, and the bill split when it comes
- The boat dayBooked and paid in the same basket
- The shopThe piece on the page, bought in the app
Restaurants, cafés and bars pay no commission, so a table earns nothing on its own. It is still counted to the article.
Twenty percent, for as long as they are members.
Every subscriber who joins BLACKBOOK through your publication is attached to it for the life of their membership. The publication earns 20% of the net commission BLACKBOOK earns on everything those subscribers book, whether it started in an article or not, and the same 20% on the membership itself. The rate is the same for every publication, it does not step down and it does not expire.
A subscriber joins BLACKBOOK with the publication’s code or link, in print or online, and is attached to it.
The stay from the feature, the weekend after, the flight on the next trip.
On the stays, flights, transfers, experiences and tickets they book.
Paid for as long as they are members, and reported in the dashboard.
A worked example · one subscriber
- A stayThey book a US$1,000 stay from a feature · BLACKBOOK earns about US$100 · US$20 is the publication’s
- A yearUS$10,000 of commissionable spend in the app over the year · BLACKBOOK earns about US$1,000 · US$200 is the publication’s
- The membershipThey take an annual BLACKBOOK membership through the publication · US$19.80 is the publication’s, once, when they join
- SettlesWhen BLACKBOOK’s commission settles, after the stay or the flight, and paid out. A refund reverses the line, nothing else.
Your publication · illustrative
Illustrative. Each subscriber: the joining share of the membership plus 20% of BLACKBOOK’s net commission on US$10,000 of commissionable spend a year at a ~10% average, while they stay a member.
What your readers do next, as signals for the desk.
The publication gets its own dashboard, by API or in the hosted web dashboard. It shows what each article led to, and it carries signals: where subscribers are planning to go, what is rising among them, which places and brands they book after reading you. That gives the desk ideas for what to write about next, and the commercial team ideas for who to partner and collaborate with. BLACKBOOK doesn’t pass on the reader’s data. It sends signals, in aggregate or as an opportunity to offer something, and the publication acts on them through BLACKBOOK.
From the page to the booking.
Solid: opened and booked · hatched: opened, not yet booked.
What your readers are planning.
Aggregate or a reference, never a name. The publication acts through BLACKBOOK; nothing about a reader is passed on.
An upgrade in London, for subscribers.
✓ Live · 58 taken in the first week
BLACKBOOK tells the publication what is rising among its subscribers, what an article led to, and when there is an opportunity to offer something. It doesn’t pass on who a reader is, where they have been, what they bought elsewhere, or who they were with.
Your subscriber list, and what readers do with your publication, is the publication’s own data, and the dashboard shows it back to you. BLACKBOOK doesn’t add a reader’s life outside the publication to it.
Every signal rests on the member’s permission. Each permission is recorded in a log with the time it was given, and BLACKBOOK keeps asking: a member can see what they have agreed to and change it at any time.
A mini app for your publication, inside BLACKBOOK.
Your publication’s own space in the app, under your masthead: the issue and the archive, your guides, subscriber benefits, your events, messages from readers and the subscription card. There is nothing for the reader to download and nothing for the publication to build and run, and it sits beside everything else the reader belongs to.
- Your mastheadYour name, your images and your voice on every screen
- Your rulesSubscription tiers, what is free and what is for subscribers, as you set them
- Your subscribersSubscribe in the flow, and the subscription stays yours
Inside the micro label
Magazine Black, a publication inside BLACKBOOK.
Magazine Black is a fictional publication built into the demo app to show the micro label from the reader’s side. The reader adds it from the wallet and it becomes a subscription card. Its articles arrive as a notification and open as articles inside BLACKBOOK Insider, under the magazine’s masthead. Every place in an article is held from the page, on the reader’s card, at the venue’s price, and the booking is commissioned to the publisher.
- 01Added from the walletAdd a membership, choose the publication, and it is paid with the card. The publisher is checked, not the reader.
- 02The subscription cardSits in the wallet beside the bank, the airline, the hotel programme and the club.
- 03The notificationNew article from Magazine Black. It opens the article, not a feed.
- 04The article, inside InsiderThe magazine’s masthead, its images and its voice, in the app the reader already opens.
- 05Booked from the pageEach place in the article is held on the card at the venue’s price. The commission goes to the publisher.
The publication’s own space, opened from the card: this issue, the archive and guides, subscriber benefits, its events, messages from the desk, and the subscription itself. Nothing to download and nothing for the publication to run.
Inside Insider the magazine has its own section, and each article carries the rest of the issue with it.
The notification
Inside Insider
Booked from the page
The demo app, recorded. Magazine Black is a fictional publication; the venues are demo entries.
See it with your publication in it.
A short walkthrough of the micro label with your masthead on it: the subscription in the wallet, an article that books, and what the publication sees.
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