Europe's most valuable transactional data — shared voluntarily.
Not an inference. Not a cookie. A real till receipt, sent by the consumer themselves because they are rewarded. Fidecoin AI turns it, in real time, into measurable revenue for your brand.
- 100% active opt-in — data shared, never captured
- Cookie-proof · GDPR-compliant by nature
- 50,000 receipts analysed every month, SKU by SKU
What Fidecoin sees, nobody else sees.
Retail Intelligence doesn't guess what the consumer might buy. It knows what they bought. At the till, product by product.
A real act of purchase
Exact products down to the SKU, amounts, retailer, time. Not a page view, not a click: a purchase confirmed at the till. The most reliable data there is. On top of that, every receipt is matched with the corresponding bank transaction — reconciliation via Tink verifies that the purchase was actually paid for.
Shared, never captured
The consumer sends their receipt voluntarily, in exchange for a reward in real cash. Data shared voluntarily — the strongest consent on the market.
The full shopping life
Pharmacy, restaurant, supermarket: a single network sees the full shopping life, across retailers. Impossible within a single retailer's silo.
Cookie-proof, GDPR by design
No third-party cookies, no hidden tracking. The data survives every regulation because it is based on a voluntary action by the consumer.
A real receipt beats every assumed intent.
Compare what your budget really buys: a proven transaction, a click probability or a declared memory.
| Fidecoin receipt | Third-party cookie | Consumer panel | |
|---|---|---|---|
| Accuracy | Real transaction · exact SKU | Assumed intent | Approximate memory |
| Revenue traceability | €1 of budget = 1 identified purchase | Probabilistic attribution | Partial correlation |
| Durability | Durable — real behaviour | On its way out | Stable but costly |
| Consent | Active opt-in — data shared | Captured without the consumer's knowledge | Declarative, small sample |
The receipt says what. The bank says it's true.
Connecting to the consumer's bank account — with their consent, via Tink — matches each receipt with a real transaction. It is the verification foundation of all Fidecoin data.
A connected account, with consent
The consumer authorises the connection to their bank account via Tink, Visa's Open Banking infrastructure, within the European PSD2 regulatory framework. Explicit consent, revocable at any time.
Every receipt ⟷ one transaction
Amount, retailer, date: the shared receipt is automatically matched with the corresponding bank transaction. A receipt with no real transaction is discarded — fraud prevention by design.
Content and payment verified
The receipt proves what was bought; the transaction proves that the purchase was paid for. This double proof is what makes the data actionable — and every euro of budget auditable.
From receipt to traced revenue: 31 seconds.
Every receipt triggers a fully automated analysis chain. Your budget is traced to the act of purchase — while the customer is still putting their receipt away.
Receipt received on WhatsApp
The member takes a photo of their till receipt and sends it. No app, no account to create.
OCR + product extraction
Fidecoin AI reads the receipt in under 2 seconds: products, amounts, retailer, date, time.
Active sponsor matching
The AI detects the categories and products on which your brand has activated a Reward Media budget.
Optimal reward calculation
The agent chooses the format and amount suited to the member's profile — to maximise their return to the store.
Bank reconciliation
The receipt is matched with the real transaction on the consumer's account, connected via Tink with their consent. Content AND payment verified.
Reward paid in real cash
Transfer via Open Banking (Tink, PSD2). Cash in the member's account, not points.
Revenue traced in your dashboard
Every euro of budget is linked to an identified real purchase. Auditable, receipt by receipt.
Autonomous agents that turn every transaction into an opportunity.
Retail Intelligence is a layer of AI agents that analyse, decide and optimise every reward — with a single objective: maximise the revenue generated per euro invested.
Receipt read in under 2 seconds
Products, amounts, retailer, time: everything is extracted automatically, in real time, from every shared receipt. 50,000 receipts processed every month.
Churn prevention
The agent decides the optimal reward, member by member: more generous for a customer who hasn't been seen for 14 days, calibrated for a regular buyer. The return visit is triggered before the customer drifts away.
Your budget activated at the right moment
Automatic detection of your products and categories on every receipt. You only pay when a real purchase falls within your target. Receipt rewards (FTS) and vouchers (FNR) triggered with no human intervention.
The view nobody else has
Frequency, basket, categories, location — aggregated across the full shopping life, not a single retailer. Targeting that neither a cookie nor a panel can reproduce.
Contextual recommendation
Once the receipt is validated, the AI agent analyses the basket and highlights the right product or the right offer. The incremental sale is attributed directly to the receipt that triggered it.
Valuable data deserves sovereign infrastructure.
Your customers' transactional data never leaves Europe. It trains no American model.
Hosted in France and Germany
All transactional data is stored and processed in the European Union, under European law.
Self-hosted AI
Fidecoin AI models run on our own infrastructure. Your campaign data feeds no third-party platform.
Responsible data centres
Lean infrastructure, sized to what is actually needed, operated in data centres committed to reducing their energy footprint.
Launch a pilot. Create your first reference.
A test budget, a targeted segment. We measure the real incremental gain against a control group and prove attribution to the euro. Then you decide, figures in hand.
- Real proof of purchase
- Zero-party data
- Data hosted in France
- Pay for performance