Joko

The business model centres on a performance-based affiliate and partner commission structure. The platform connects consumers with online and in‑store merchant offers via tracking links, affiliate networks and card-linked technology tied to users’ bank accounts. When users complete qualifying purchases, merchants or affiliate networks pay commissions to the company, which then allocates a portion of that revenue as cashback rewards credited to user balances while retaining a margin.

Value is created for consumers through consolidated cashback, coupon discovery, and budgeting tools, and for merchants through incremental sales driven by targeted cashback promotions and featured placement. Additional value capture likely comes from margins on gift-card sales and from marketing or placement fees that merchants may pay for prominent exposure within the app and browser extension.

Joko USA Inc. is the US affiliate of a French fintech operating a consumer shopping rewards platform. The business provides a mobile and web application plus a browser extension that aggregates cashback, coupons, gift-card offers and price tracking for retail purchases, using both online affiliate tracking and card-linked, in‑store offers via secure banking connections.

The company generates revenue from commissions paid by merchants and affiliate networks when tracked purchases occur, as well as likely margins on gift cards and optional paid placements for featured offers. End-users (shoppers) access the service for free and receive a share of these commissions as cashback, making merchants and affiliate networks the indirect paying customers while consumers are the primary users.