Solution
Smart Coupons
Enterprise retail promotion infrastructure for Europe.
Brand‑funded retail promotions should scale — without structural friction.
Smart Coupons is a coordinated validation infrastructure enabling harmonised single‑market and multi‑market cross‑retaSmart Coupons is a live harmonised validation coordination layer enabling brands to deploy one structured promotion simultaneously across multiple retailers and European markets — or within a single market while allowing consumers to choose their preferred retailer for redemption.
It supports multi‑market scale while preserving full retailer governance, commercial autonomy and regulated settlement structures.
The model operates as a structured collaboration between Retail Rush (independent coordination and governance) and epay (licensed European payment and retail infrastructure), combining harmonised validation oversight with regulated settlement rails.
Built for harmonised cross‑market scale.
Designed to protect retailer control.
Structured as a neutral enterprise coordination layer between brands, agencies and retail chains.
Designed to support central brand governance across markets.

The Challenge
Structural fragmentation in multi-retail environments.
The problem
As brands scale activation across markets, structural complexity quietly increases below the surface.
Brand‑funded retail promotions increasingly run across multiple retailers and multiple markets simultaneously.
But validation logic differs per retailer, settlement structures vary by country, and reporting formats are rarely aligned.

As activation grows
  • Configuration complexity multiplies
  • Budget reconciliation and performance comparison becomes heavier
  • Cross‑market comparability declines
  • Central brand teams lose unified financial and validation visibility as campaign volume scales
  • Governance and compliance review intensifies
  • Audit burden and financial exposure increase as validation logic fragments across markets
At small scale this is manageable. At multi‑market scale, coordination becomes necessary. Increasingly, campaigns also span multiple competing retailers within a single national market, creating additional coordination complexity.
The issue is not activation performance — it is structural misalignment beneath activation. Operational friction typically appears first at execution level. As campaign volume and geographic scale increase, reconciliation inconsistency and cross‑market opacity can escalate into financial and governance complexity.
The Solution
A harmonised validation infrastructure.
Designed to enable cross‑retail harmonisation through coordination — never through centralisation.
Smart Coupons introduces a coordinated validation model that enables harmonised cross‑retail execution, allowing brands and agencies to scale campaigns across retailers and markets without restructuring underlying operational logic.
The model preserves full retailer governance at every redemption stage. Harmonisation takes place at the validation coordination layer — not at the level of pricing, settlement agreements or POS authority. By aligning validation before redemption and settlement recognition, structural opacity is reduced early, preventing reconciliation complexity from accumulating as campaigns scale across markets.
Consumers complete a validated claim linked to a selected retailer. Depending on campaign design, validation occurs through two coordinated methods:
Remote claim — Digital validation during the campaign period generates a retailer‑specific, time‑bound, single‑use redemption code, redeemable in store within a defined window.
In‑store conditional claim — Validation is initiated within a selected retail environment. Following product verification (e.g. EAN scan), a short‑duration, single‑use redemption code is generated for immediate use.
In both cases, validation generates a unique, time‑bound code that is recognised and processed within existing retailer POS systems, where the discount is applied subject to retailer acceptance.
Promotional value is recognised only upon POS validation and explicit retailer approval. Redemption remains fully retailer‑controlled within existing POS and compliance systems, with settlement routed through established commercial and financial channels.

Positioning
Governance positioning within the ecosystem.
Built to support — not to replace.
1
Activation systems remain fully intact.
2
Smart Coupons does not own campaigns, commercial terms or retailer relationships.

Campaign control remains entirely with brands and agencies.
3
The infrastructure does not intervene in pricing, settlement agreements or retailer governance frameworks.
Pre‑aligned validation reduces repeated retailer approval cycles, shortens onboarding time and simplifies reporting alignment as campaigns scale. Once aligned, expansion across additional retailers no longer requires structural rebuilding. Structural alignment at validation level ensures that expansion does not proportionally increase financial or reporting complexity.
Process
Operational validation framework: five coordinated stages.
01
Secure code issuance
Unique single‑use value codes are issued within established payment infrastructure and aligned with the Smart Coupons validation framework.
02
Agency‑led activation
Agencies deploy campaigns on behalf of brands across participating retail environments.
03
Validated retail‑specific claim
Consumers complete a validated claim linked to a selected retailer. Depending on campaign design, validation may occur:
  • Remotely during the campaign period; or
  • In‑store through conditional product verification (e.g. EAN scan).
In both cases, validation generates a unique, time‑bound, single‑use redemption code.
This validated retail‑specific claim — not the final redemption — forms the harmonised cross‑retail coordination event.
04
Harmonised reporting
Validated claim data — rather than fragmented redemption data — provides the consistent reporting and reconciliation reference across participating retail chains.
05
Retailer‑controlled redemption
The generated code is recognised and processed within existing retailer POS systems, where the promotional discount is applied upon retailer acceptance.
Promotional value is only recognised at the moment of POS validation and retailer acceptance.
Redemption remains fully retailer‑controlled within existing POS and compliance frameworks.
deployment
Single deployment. Flexible multi‑retail scale.
One campaign structure.
Two scalable activation models.
Model 1 — Pan‑European multi‑retail activation
One campaign deployed simultaneously across multiple retail chains and multiple countries. The validation backbone remains harmonised while redemption remains retailer‑specific.
Example: A brand activates across 8 retailers in 4 European markets under one coordinated validation structure.
Model 2 — Single‑country multi‑retail choice
One campaign within a single market, allowing consumers to select among participating retail chains for redemption. The validation structure remains unified while retail control remains intact.
Example: A national campaign running across 3 major grocery chains, with consumer‑selected retailer validation.
One coordinated validation deployment
One harmonised validation reference
Retailer‑specific redemption preserved
No POS alteration
No commercial restructuring
Structured governance capabilities
The harmonised validation layer enables structured coordination across participating retailers, including:
  • Claim‑level frequency governance across retail networks
  • Cross‑market validation anchoring for structured audit visibility
  • Media‑linked validation referencing within multi‑retail activation environments
All coordination operates strictly at validation level. Retail pricing authority, POS governance and commercial frameworks remain unaffected.
As European retail activation environments mature, harmonised validation infrastructure enables additional coordination models at scale. Once validation logic is aligned, additional retailer or market expansion does not increase structural complexity proportionally.
Further structured applications are developed in alignment with retailer governance frameworks.
retail control
Preservation of retail authority.
For participating retail chains, Smart Coupons functions strictly as a validation coordination layer — not as a commercial intermediary.
Retailers retain:
  • Full POS authority and redemption control
  • No alteration to pricing, trade agreements or margin structures
  • No parallel settlement systems
  • Compliance governance within existing internal frameworks
The infrastructure harmonises validation coordination across markets while preserving retailer autonomy at store level.
Validation may be executed pre‑transaction or at point‑of‑sale, while commercial decision‑making and transaction control remain fully with the retailer.
Participation does not require surrendering commercial control — only coordination at the validation layer.
Architecture
Infrastructure architecture overview.
The validation architecture is built on epay's licensed and contractually embedded European retail distribution network— part of Euronet Worldwide (NASDAQ: EEFT), operating across 200 countries and processing 20+ billion transactions annually.
By aligning validation routing with established payment rails, expansion leverages existing infrastructure rather than building parallel systems, creating structural continuity across participating markets. Coordination and cross‑stakeholder governance within this infrastructure framework is operated independently by Retail Rush.
Distinct layers. Integrated structure. Retail authority preserved.

Governance
Institutional neutrality.
Retailers
Retain full compliance authority over redemption and POS operations
Brands
Retain strategic and budget ownership throughout
Agencies
Retain activation leadership across all campaigns
Data custody and access rights remain defined within existing commercial agreements between brands, agencies and retailers. The infrastructure combines regulated payment execution (epay) with independent cross‑retail coordination (Retail Rush), ensuring centralised coordination while the commercial authority remains distributed among the participating stakeholders.
Neutral. Embedded. Expanding.
value at scale
Enterprise impact at scale.
Brands
  • Comparable cross‑market coordination metrics
  • Simplified finance reconciliation as budgets scale
  • Structural execution rail for brand‑funded retail promotions
  • Fraud exposure reduced through single-use, time-bound, retailer-specific validation lgic.
  • Reduced structural audit exposure across markets
  • Centralised governance visibility across participating markets
  • Structured activation models for both pan‑European and single‑market multi‑retail campaigns
  • Structured traceability across validation and settlement layers
Retailers
  • Improved audit clarity and validation control
  • Governance that keeps pace with campaign volume
  • No alteration to pricing, trade terms or POS authority
  • Settlement operating on existing regulated payment rails
Agencies
  • One coordinated backbone across participating retailers
  • Scalable routing without repeated structural rebuilds
  • Activation speed maintained as networks expand
Documentation
Operational and compliance documentation.
1
Executive Infrastructure Overview
Strategic positioning of the Smart Coupons structural model, three‑layer architecture and authority safeguards.
2
Governance Framework
Authority allocation, risk containment doctrine, neutrality principles and financial governance boundaries.
3
Campaign Operating Model
Step‑by‑step execution logic for single‑ and multi‑retail campaigns, including validation, code issuance and settlement routing.
4
Infrastructure & Distribution Governance
Alignment with epay’s regulated payment and retail distribution infrastructure (Euronet Worldwide, NASDAQ: EEFT), code generation and activation governance, API structure, fraud allocation, upstream dependency and custody clarification.

Retail Rush operates the coordination and governance layer across participating brands, agencies and retailers — within defined infrastructure boundaries.
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structured dialogue
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Engagement is relevant for organisations operating brand‑funded retail promotions across multiple retailers or markets where reconciliation complexity and audit scrutiny increase as scale grows.The focus is structural alignment beneath activation — not replacing commercial relationships or redistributing operational authority.
Early structural alignment reduces approval delays, simplifies finance validation and strengthens audit clarity as campaign volume increases. Where multi‑market brand‑funded retail promotions become structurally complex, a coordinated infrastructure dialogue may be appropriate.
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