Predictive Promotional Infrastructure

Brands spend billions on rebates, guarantees and promotional offers. COVR turns them into predictable financial contracts — modeled, priced, funded, insured and settled automatically.

How it works Request a demo
3 systems, one platform 1 operating layer for promo liabilities
How it works

Buy. Pick. Win. Money back.

“Make the playoffs, money back.”

One pick at checkout: if it wins, your money comes back and you keep what you bought — free. If not, nothing changes.

01

Make your purchase

Just a normal order.

02

Opt in at checkout

One pick, no extra cost.

03

Your pick wins

The season settles it.

04

Money back & keep it free

Refunded in full, automatically.

Fans get a reason to buy. Brands get a priced financial contract, not an open-ended liability.

The infrastructure behind promotions never caught up.

Brands pour up to $1 trillion a year into promotions worldwide — funded off their own balance sheets, with no clean way to price, finance or manage the risk.

$200B+
Spent on trade promotions every year in the US alone — a brand's second-largest cost after goods.
$76B+
In digital rebates processed annually across the US.
30–40%
Of trade promotion spend is wasted — unmeasured, unpriced, unmanaged.
Inventory, controlled

No more desperate discounting.

End-of-season markdowns trade margin for movement. A COVR-backed promotion moves product at full price — turning every campaign into an inventory-control tool.

  • 01 Sell at 100% margin — promotions pull demand without touching the tag.
  • 02 Markdowns, eliminated — the offer replaces the end-of-season fire sale.
  • 03 Funded before launch — the cost is modeled and covered, not absorbed.
Infrastructure for promotional risk

One layer where three worlds meet.

  • 01

    AI risk modeling & algorithmic pricing

    Machine-learned models price the underlying risk with market data.

  • 02

    Enterprise campaign management

    Define the terms, offers and eligibility of a promotion in one place.

  • 03

    Proprietary trading & capital access

    Our trading desk routes each exposure to whichever regulated market or insurance line prices it best — settled automatically on outcome.

Proprietary Trading + Promotional Infrastructure = Predictive ROI
The platform

The full lifecycle, in one place.

An operating system for promotional liabilities — not stitched-together manual processes.

  1. 01Campaign creation
  2. 02AI risk modeling
  3. 03Market-priced cover
  4. 04Capital allocation
  5. 05Exposure monitoring
  6. 06Automated settlement
  7. 07Rebate administration
  8. 08Reporting & analytics
The system of record

The ledger is the company.

COVR is the system of record for outcome-based promotional liability. Shopify knows the order. Stripe moves the money. Regulated markets provide the liquidity.

Only COVR knows the campaign, the qualifying transaction, the priced exposure, the hedge status, the trigger, the liability and the payout. No venue does that. No club does that.

The partner owns

  • 01The brand, the creative, the offer
  • 02The customer relationship and the list
  • 03The inventory being sold
  • 04The decision to run it

COVR owns

  • 01Campaign configuration and the rules engine
  • 02Pricing and exposure modeling
  • 03Hedge execution and venue routing
  • 04The liability ledger, settlement and audit trail
Becoming standard in sports

The instruments we execute against are regulated derivatives. CME Group and FutureSports are launching listed futures on sports performance indexes, with sponsors, broadcasters, insurers and stadium operators named as the intended users. This is becoming standard corporate risk management. COVR is the execution and administration layer that makes it usable inside a consumer promotion.

Read the CME announcement

Built for the whole sports ecosystem.

Infrastructure for every participant — from the brand running the offer to the capital behind it.

01 / Brands

Brands

Launch campaigns around title runs and banner seasons — and know your expected liability before you launch.

02 / Rights holders

Teams & leagues

Unlock new sponsorship inventory with promotions that deepen fan engagement.

03 / Creative

Agencies

Build bolder campaigns without coordinating insurers and counterparties for every promotion.

04 / Capital

Capital & insurance partners

Provide liquidity and protection on one platform — transparent pricing, real-time exposure monitoring.

Why sports first

Why
sports.

  • 01 One of the world's largest collections of anticipated, measurable events.
  • 02 Millions of fans care about every outcome.
  • 03 Outcomes are transparent and objective.
  • 04 Markets continuously price the probabilities.
  • 05 Brands already spend billions activating around these moments.
Case study — Minnesota Lynx

Proven on a championship run.

June 2026: COVR designed, legalized and underwrote a "win the title, get it all back" membership offer for the Lynx in seven days — with zero contingent exposure for the club.

400
New 200-level season ticket packages.
$100,000
Incremental membership revenue for the club.
$0
Club balance-sheet exposure on a title win — 100% of the refund liability covered as it sold.
Looking ahead

It begins with sports.

The trigger is fully configurable — a title run, a playoff berth results in a fully 100% refundable rebate — so the same infrastructure can back a promotion tied to any measurable event.

Get in touch

Ready to
re-engineer
the promotion?

Talk to our team about turning promotional risk into something you can model, price and fund — and ROI you can predict.

Run a promo with COVR

Tell us what you have in mind. Your customers keep everything they buy either way — the money back is on top of it. Most answers are a line or two, and best guesses are fine. This goes straight to the people who price and build these programs, so you'll hear back — usually within one business day.

About you

The promo a few quick questions so we come prepared

In your own words. Example: “drive season ticket renewals,” “move merch during a losing streak,” or “give sponsors something to activate around.”

What do you sell? (optional)

Tick everything that applies — it tells us what kind of purchase the money back attaches to.

The specific thing customers buy — “season ticket package,” “season pass,” “team store hats.” This is the unit the money back attaches to.

What one customer pays — e.g. “$250 per season pass.” Numbers only.

Total revenue on that product last year — rough is fine. We use it with the unit cost to estimate volume.

Name the states if you know them. “Nationwide” or “not sure yet” works too — and tell us if any part would run outside the U.S. State rules shape how a program like this gets built, so even a rough answer helps.

The dates customers could buy, roughly when the outcome is decided, and when you’d want to launch. If there’s more than one offer, give the dates for each. Approximate is fine — e.g. “on sale June 30 to July 13, decided in October, live by the end of the month.”

Online, in store, or both — and the ticketing platform, point-of-sale system, or online store behind it (Ticketmaster, Shopify, Square, your own box office). Let us know who controls that purchase data and whether you could share daily counts while the offer is live.

Useful here — Money: who collects the customer payments, who would send the money back, and the budget you've set aside to fund it. Sign-offs: any outside approvals you'd need (a league, a franchise HQ, a brand partner), whether your lawyers are writing the official terms customers would see, and whether you've announced it yet.

We use this only to reply to you.

Thanks — we're on it.

Our team typically replies within one business day with a promo concept priced for your organization.