Qurable vs Insider One: loyalty and engagement platforms in Latin America
Resources · Comparison
Insider One (formerly Insider) is an agentic AI customer engagement platform that orchestrates customer journeys across channels, according to its 2026 press release. Qurable is a loyalty platform built in Latin America that decides the reward inside the payment authorization, in ~150 ms, with live programs in more than 6 markets in the region.
- 01
Where the reward is decided
- Before, during or after payment
- With measured latency
- 02
How each point is recorded
- Batches, expirations, liability
- Reversals with entries
- 03
Who supports you
- A team in your region
- Your language and time zone
- 04
How long it takes
- A phased plan
- A measured pilot
Latin America, live
Fuel, quick-service, retail, airline and payments programs already run on Qurable.
Shell Box, ON by Axion Energy, Mostaza's MostaClub, Grupo Dabra's TRIBU and SKY Plus, among others. Figures come from published cases.
- 550,000Monthly active usersON by Axion Energy
- +1MMembers in the first yearTRIBU, by Grupo Dabra
- 45 daysTo go liveTRIBU, by Grupo Dabra
- 3 countriesIn a single launchMostaClub: Argentina, Uruguay and Paraguay
Key takeaways
- This comparison uses only public data about Insider One, with source and date.
- Qurable decides the reward inside the payment authorization, in ~150 ms.
- Qurable's sales, product and technical teams are in the region.
The comparison
Two enterprise platforms, two starting points.
A side-by-side summary. Insider One data comes from its website and press releases; sources are listed below the table.
| Insider One | Qurable | |
|---|---|---|
| Origin and focus | Customer engagement platform with 30+ offices, 1,500+ people and 2,000+ customers. Acquired Bluecore, a US retail martech company, in 2026, according to its press release. | Loyalty and engagement platform built in Latin America |
| Presence in Latin America | Lists offices in São Paulo, Mexico City and Bogotá (2026), according to its website. Opened São Paulo in 2020, according to 2022 press. | Live programs in more than 6 markets in the region, with named clients in Argentina, Chile, Uruguay, Paraguay, Peru, Panama and Mexico |
| Team | Offices in Brazil, Mexico and Colombia. In 2022 it announced close to USD 50 million of investment in Mexico and a local country manager, according to press. | Sales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone |
| Key industries | Names customers in retail, beauty, CPG, insurance, banking, automotive and airlines, such as Samsung, L'Oréal, Allianz, ING and Singapore Airlines, according to 2026 press. | Fuel retail, restaurants and QSR, airlines, banks and fintechs, multi-brand retail and consumer goods |
| Multiple countries and currencies | 30+ offices across the Americas, Europe, Middle East, Africa and Asia Pacific, according to its website. Multi-currency: Not published. | One program with rules, currencies and liability split by country |
| Where the reward is decided | States its system thinks, decides and acts in real time with AI agents, according to 2026 press. Published latency: Not published. | Inside the payment authorization, in ~150 ms, at the POS, processor or checkout |
| Points accounting | Not published | Double-entry ledger: every credit is a batch with its own expiration; FIFO, FEFO or LIFO consumption; overdraft and clawback with recorded debt; real-time liability by currency and country |
| Coupons and promotions | Not published | Coupon books and promotions by rule, audience, payment method or basket, with budgets, caps, A/B testing and the best promotion for each purchase |
| Coalition | Not published | Points exchange between brands at each program's rate, and co-funded promotions with each party's share recorded |
| Customer view | Native CDP with identity resolution and orchestration across 12+ channels. Adds Bluecore's identity network, according to 2026 press. | One profile per member, recognized in store, in the app and online; personalization uses purchases from every channel |
| AI | Agent One suite of AI agents that plan, create, execute and optimize customer journeys, according to its 2026 press release. | AI decision engine that segments and personalizes each customer's reward; assistant that drafts campaigns with human approval; MCP server |
| Frontends | SDKs for iOS, Android, React Native and Flutter, according to its docs. | White-label components and SDKs for the client's app and website; Pomelo and Credit Union Travel offer loyalty with Qurable behind it, run from their own console |
| Analysts | Leader in IDC MarketScape AI-Enabled Marketing Platforms 2025. Cites leadership in Gartner MQ Personalization Engines and a Forrester Wave, no year given, per its 2026 press release. | No analyst evaluation yet |
| Pricing | On request. | On request |
Sources on Insider One: Insider One press release on the Bluecore acquisition, 05/13/2026, via Retail IT Insights (accessed 10/09/2026) · Insider One website, contact and offices (accessed 10/09/2026) · Pulse 2.0, Insider One and Bluecore, 05/19/2026 (accessed 10/09/2026) · Al Día News, Insider's Mexico investment plan, 03/16/2022 (accessed 10/09/2026) · Insider One website, Loyoly partnership (accessed 10/09/2026) · Insider One Academy, mobile integration guide (accessed 10/09/2026)
Insider One is a trademark of its owner. This comparison uses public information available as of October 9, 2026. «Not published» means we did not find the data in Insider One's public sources. If something is out of date, write to us and we will correct it.
When each one fits
The choice depends on where your program lives.
One is an engagement platform and the other a payment-native loyalty platform. Many brands use both, integrated.
The reward belongs in the payment
You want customers to see it at the register, on the card or at checkout, not days later.
You want a team in the region
Sales, product and technical teams in Latin America, in your language and time zone.
You run a coalition
Points exchange between brands and co-funded promotions, with each party's share on the ledger.
Finance controls liability
Batches with expirations, FIFO or FEFO consumption and every movement auditable.
Marketing runs complex promotions
By payment method, basket, audience or supplier, without asking engineering for changes.
You need to move fast
Implementation in 1 to 3 months, in phases, in your cloud or ours.
AI-driven omnichannel engagement
Orchestrates 12+ channels with AI agents and a native CDP, according to its 2026 press release.
Identity-focused retailers
With Bluecore it adds an identity network processing 10+ billion shopper events daily, according to its press release.
Regional teams in LATAM
Lists offices in São Paulo, Mexico City and Bogotá, according to its website.
Integrate with your stack
CRM, marketing, POS and ecommerce, without replacing what already works.
See it all in production
Ask for named cases in your industry and country, not just logos.
Measure against a control group
To know how much more the program sold, not just how many rewards it gave.
By industry
Programs that already run on Qurable.
Named clients in every industry we serve, with the cases we have published.
Fuel retail
Shell Box and ON by Axion Energy
The Shell Box and ON by Axion Energy programs run on Qurable in Argentina.
- Result
- ON: 550,000 monthly active users.
Restaurants and QSR
Mostaza's MostaClub
A program launched in three countries at once, with the reward applied at the register.
- Markets
- Argentina, Uruguay and Paraguay.
Airlines
SKY Plus, by SKY Airline
Points, missions, three tiers and more than 70 partnerships on a single platform.
- Market
- Chile.
Banks and fintechs
Pomelo, Santander Peru, Banisi and Konfío
Cashback and points decided inside the card authorization. At Pomelo, Qurable works as a white-label platform: clients always operate from Pomelo's console.
- Status
- Live.
Multi-brand retail
TRIBU, by Grupo Dabra
One program for Dexter, Moov and Stock Center, in store and online.
- Result
- More than 1 million members in the first year.
Travel rewards
Credit Union Travel
A white-label travel rewards platform for credit unions, built on Qurable.
- Market
- United States.
How to evaluate
Six questions for any vendor.
Use them to compare Qurable, Insider One or any other platform in an RFP.
Where is the reward decided?
Before, during or after payment, and with what measured latency.
How is each point recorded?
Real-time liability, expirations per batch and reversals with entries.
What if the service does not respond?
The sale should never be blocked.
Does it have clients in my country and industry?
Ask for named cases, not just logos.
How long until it goes live?
With a phased plan and a measured pilot.
Where does my data run?
In the vendor's cloud or yours, and in which region.
Built in Latin America
A team in the region, from sale to operations.
The people who sell, design the product, implement it and run it with your team are in Latin America. Product decisions are made around the region's payment methods, POS systems and currencies.
Sales
Account executives in Argentina and Chile, and soon in Mexico.
Product
A roadmap built for the region: local POS systems, wallets and processors such as MODO, Mercado Pago and Pomelo.
Loyalty at the POS and checkoutTechnical and implementation
Engineering and support in Spanish and in your time zone; live in 1 to 3 months.
How to migrate your programMultiple countries and currencies
One program with rules, currencies and liability per country.
Enterprise loyalty in Latin America
Questions
What people ask about Qurable and Insider One.
Short answers for loyalty, marketing, technology and procurement teams.
Insider One (formerly Insider) is an agentic AI customer engagement platform that orchestrates customer journeys across channels, according to its 2026 press release. Qurable is a Latin American platform that decides the reward inside the payment authorization, in ~150 ms; supports coalitions and points interoperability between brands; unifies the member from store, app and ecommerce in one profile; segments and personalizes with an AI decision engine, and provides white-label components for your app and website. It runs programs in more than 6 markets in the region.
Yes. Insider One lists offices in São Paulo, Mexico City and Bogotá on its website (2026). It opened São Paulo in 2020 and announced investment in Mexico in 2022, according to press.
Yes. Its sales, product, technical and implementation teams are in the region, working in Spanish and in the client's time zone.
Yes. Pomelo offers points and cashback to its clients with Qurable behind it, and they always operate from Pomelo's console. Credit Union Travel offers travel rewards to US credit unions, also built on Qurable.
One that applies the reward at the pump and in the store. In the region, Qurable runs the Shell Box and ON by Axion Energy programs in Argentina, with the reward applied at payment.
One that applies the reward at the register, before the receipt. Qurable runs Mostaza's MostaClub in Argentina, Uruguay and Paraguay.
One that combines points, tiers and partners. In the region, Qurable runs SKY Airline's SKY Plus in Chile, with points, missions, three tiers and more than 70 partnerships.
One that decides cashback or points inside the card authorization. Qurable does it live with Pomelo, Santander Peru, Banisi and Konfío.
One that recognizes the same member across every brand. Qurable runs Grupo Dabra's TRIBU for Dexter, Moov and Stock Center.
Yes. Migration moves balances, tiers and expirations from another platform without losing balances, following a phased plan.
Not necessarily. Qurable can integrate with your CRM and marketing stack, such as Salesforce, Microsoft Dynamics, Braze or Klaviyo, through APIs and webhooks.
Last reviewed
Further reading
Keep reading before you choose a platform.
Guides for building the shortlist and the RFP.
- ResourceLoyalty RFI, RFP and RFQ checklist
The questions to evaluate platforms, area by area.
- ResourceEnterprise loyalty in Latin America
What to require to run in several countries.
- ResourceMigrating a loyalty program
How to switch platforms without losing balances.
- IndustryLoyalty for retail and apparel
Grupo Dabra's TRIBU, for three brands.
Compare against your case.
In a 45-minute technical session we show how Qurable solves your program, with a case from your industry.