Shared Loop

A shared financial layer purpose-built for mobility.

Shared Loop connects identity, payments, rewards, and settlement so mobility providers can interoperate without rebuilding their entire payment or fare infrastructure.

Start with Shared Loop

The Problem

Mobility runs on fragmented infrastructure.

Transportation access and payments are becoming more digital and multi-modal, but the systems behind them remain disconnected.

Diagram showing a rider connected to transit, parking, rideshare, bike share, and charging across separate silos

Siloed Accounts

Riders move across multiple modes, but transportation services still operate in separate silos - making it difficult to connect accounts, payments, credentials, benefits, and rewards across a full journey.

Diagram showing a payment card with high cost and slow settlement

High-Cost, Inefficient Payment Rails

Operators handle high volumes of small, frequent mobility transactions, but legacy payment rails often make these payments expensive to process, slow to settle, and difficult to reconcile.

Incentives That Don't Work Together

Employers and cities want to influence smarter travel choices, but benefits, subsidies, and rewards are often trapped in separate programs that do not work across modes or providers.

The result is a fragmented rider experience, limited interoperability, and a costly operating environment for providers.

What Shared Loop Creates

One shared layer for identity, settlement, and rewards.

Operators can keep their existing rider experience while connecting to shared identity, payment, reward, and settlement infrastructure behind the scenes.

RideID

Identity Layer

A portable identity layer for credentials, permissions, wallets, preferences, and connected apps for riders, operators, and sponsors.

RideUSD

Settlement Layer

A digital settlement asset designed for high-frequency, low-value mobility transactions and faster clearing between participants.

URT

Incentive Layer

Universal rewards, benefits, subsidies, and incentives funded by sponsors and redeemed across participating mobility providers.

Architecture

Shared Loop Architecture

A complete view of how participants, core components, and supporting infrastructure connect across the Shared Loop.

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Payment Loop Comparison

The next evolution of mobility payments.

	Closed Loop	Open Loop	Shared Loop by Metroblox
Identity	Operator siloed	Bank card	Portable RideID
Payments	Proprietary fare card	Visa / Mastercard	RideUSD
Processing Fees	Moderate	High on micropayments	Low-cost mobility settlement
Settlement	Batch / fragmented	1–3+ days	Near real-time
Rewards	Operator-specific	Card issuer rewards	Universal URT rewards
Interoperability	Limited	Payment only	Shared identity + settlement
Multi-Modal	Limited	Limited	Native coordination
Incentives	Static	Minimal	Dynamic programmable rewards
AI Integration	None	Limited	Ride Agents APIs

Shared Loop in Action

See how the layers work together.

Shared Loop creates a mobility-native layer for identity, settlement, rewards, incentives, multi-modal coordination, and AI-powered integrations.

Shared Loop in Action — Multi-Modal Pass example

Shared Loop in Action — Trip Planning Incentives example

Shared Loop in Action — Connected Vehicle Payments example

Build on the Shared Loop.

Metroblox is working with mobility operators, sponsors, and developers to create shared infrastructure for the future of transportation.