Bilt today announced the next evolution of its platform, introducing the operating system for neighborhoods – Bilt Neighborhood OS: an AI operating system and commerce network designed to help businesses grow by reaching new customers, building loyalty, and making everyday life more rewarding for the communities around them.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20261110538915/en/

To learn more, visit business.bilt.com.

To learn more, visit business.bilt.com.

Building on the technology and membership platform it created for housing, Bilt is expanding into a much larger opportunity: connecting the businesses where people spend with the communities where they live, work, and spend time.

The announcement introduces two major offerings through Bilt for Business:

  • Bilt Neighborhood OS: An AI-powered commerce platform that works across a business’ existing systems to help attract new customers, build loyalty, personalize experiences, and drive measurable growth through the surrounding neighborhood

  • Bilt Membership Platform: An expansion of Bilt’s existing membership and loyalty technology, enabling organizations to launch their own branded membership programs via white-labeling or extend existing loyalty programs into the neighborhood, connecting their communities to rewards, benefits, and local commerce

Both offerings are powered by Bilt’s underlying AI, identity, loyalty, and commerce infrastructure, connecting businesses and communities through one neighborhood network.

The company also announced a coalition of partners spanning payments, point-of-sale technology, reservations, and commerce platforms to help distribute Neighborhood OS across the country, alongside new membership partnerships across professional sports, hospitality, real estate, and financial services.

“The last tech revolution transformed how businesses sell online, but it largely left behind the businesses that make our neighborhoods special,” said Ankur Jain, Founder and CEO of Bilt. “We’re building the operating system for neighborhoods to change that. By connecting the technology businesses already use with the people living right around them, Bilt Neighborhood OS gives businesses the tools to reach new customers, build lasting loyalty, and grow, while making the neighborhoods we all call home more rewarding.”

From Housing Rewards to Neighborhood Commerce

Bilt began by making housing payments rewarding, enabling millions of members to earn rewards on rent and mortgage payments and helping renters build credit history through eligible on-time housing payments. Since its launch in 2021, Bilt has delivered $1 billion in value to Bilt Members.

The company subsequently evolved into a technology and membership platform for housing, connecting property management, payments, maintenance, resident services, and other existing building systems into a unified resident experience powered by AI.

Today, Bilt’s platform reaches approximately one in four apartment buildings in the United States, and the company expects to process more than $100 billion in housing payments this year.

As Bilt expanded its membership network, it began connecting members to the businesses surrounding their homes, rewarding them for spending at participating neighborhood merchants. Over the past 12 months, Bilt Members generated more than $12 billion in rewarded commerce at local businesses. That growth laid the foundation for Bilt’s next chapter: opening its technology and neighborhood commerce network to businesses and communities beyond housing.

The opportunity is substantial. Of the roughly $8 trillion U.S. retail market, approximately $6.6 trillion of annual U.S. retail and food-services spending occurs in person1,2, yet many local businesses continue to rely on disconnected systems, manual processes, and limited tools for customer acquisition, loyalty, and measurement. Bilt is bringing together AI-powered technology, existing commerce infrastructure, and community-based distribution to help close that gap.

Introducing Neighborhood OS: AI-Powered Growth for Local Businesses

Neighborhood OS is designed to help businesses grow through the neighborhood by attracting new customers and strengthening customer relationships – all without requiring them to replace the technology they already use.

The platform connects existing systems, including those for reservations, point of sale, payments, customer relationship management, and loyalty, allowing Bilt AI agents to coordinate work and execute customer experiences across them.

Neighborhood OS – designed for businesses across dining, retail, fitness, personal services, and other categories of local commerce – brings together three core capabilities:

  • Attract new customers: Reach relevant audiences from nearby residential communities, hotels, offices, sports teams, and other participating networks. Create personalized offers and measure visits and attributable spending.

  • Build loyalty and customer relationships: Recognize returning customers, personalize hospitality, reward visits, and encourage customers to return through AI-powered loyalty and CRM capabilities.

  • AI-powered business operations: Deploy Bilt AI agents that work across existing systems to help manage reservations, guest services, customer communications, marketing, and other business activities.

For example, a neighborhood restaurant can identify prospective customers, launch a targeted offer to bring them in, recognize them when they visit, and automatically apply the appropriate benefit through its existing point-of-sale system. The same platform can then help the restaurant understand which campaigns generated visits and spending, and recommend ways to bring customers back. In the past 30 days alone, Bilt AI Agents have completed more than 2 million real-world actions across more than 29,000 businesses, with 91% completed without human intervention.

“Great neighborhood businesses have always been built on relationships,” continued Jain. “The owners and teams behind those businesses know how to make their customers feel valued. Technology should help them do that better, not get in their way. Neighborhood OS gives businesses the opportunity to bring that same personal attention to more customers while helping them grow.”

A Coalition to Bring Neighborhood OS to Millions of Merchants

To make Neighborhood OS accessible at scale, Bilt is partnering with leading technology providers already serving merchants across America for the Bilt Neighborhood Coalition.

The growing ecosystem includes companies across payments and point-of-sale technology, including Adyen, Verifone, Clover from Fiserv, and Shift4, as well as restaurant and commerce platforms including OpenTable and Grubhub.

These partnerships are designed to enable merchants to connect to neighborhood commerce through the technology they already use, helping them participate without replacing their existing systems.

Capabilities include:

  • Bilt AI Agents, which coordinate customer experiences and business activities across connected systems.

  • Neighborhood ID: A privacy-preserving identity layer that enables businesses to connect customer experiences across their existing systems, deliver personalized benefits, and build loyalty without exchanging raw customer data.

  • Neighborhood Pass: A consumer-facing digital pass that members can use to access personalized rewards and benefits at participating businesses, enabling merchants to seamlessly recognize eligible customers and automatically apply offers at checkout through their existing systems.

  • A unified commerce and loyalty infrastructure, enabling rewards, credits, benefits, and other commerce experiences across participating businesses and membership programs.

The coalition’s combined merchant reach creates a distribution opportunity spanning millions of businesses, with integrations and capabilities rolling out in phases beginning in 2027. The platform is designed to support merchants of all sizes, from independent neighborhood restaurants and shops to large national operators.

Expanding Bilt’s Membership Platform Across Communities

Bilt is also expanding the membership and loyalty technology it built for housing, enabling organizations to create branded membership experiences that extend beyond their own properties, venues, and services.

Hyatt and Bilt are expanding their collaboration to provide new incentives for Bilt Members, exclusive offers at Hyatt properties, and exploring additional ways for World of Hyatt members to be rewarded through experiences in the neighborhood with Bilt Neighborhood OS.

Built on the same underlying operating system, the platform connects an organization’s existing customer and business systems to loyalty, recognition, rewards, and commerce across participating neighborhood merchants. Organizations can launch new branded membership programs or connect existing loyalty programs to the neighborhood network, while maintaining their own brands and customer relationships.

In 2027, Meta and Bilt will partner to support small-business owners through education and resources to grow their business and strengthen connections with their communities.

Professional Sports: Connecting Fans Beyond the Stadium

Bilt announced plans to power next-generation fan loyalty and membership experiences for teams including the Phoenix Mercury, Phoenix Suns, Houston Comets, Houston Rockets, Houston Texans, and Sacramento Kings.

Beginning with phased launches in 2027, participating teams will be able to introduce branded fan experiences combining loyalty, fan passes, concierge services, and neighborhood commerce.

The programs are designed to recognize and reward fans both inside and outside the stadium, including at local restaurants, bars, retail businesses, and neighborhood watch parties. Through Fan 365, teams can extend fan engagement beyond game day, rewarding participation and enabling team benefits and sponsor-funded experiences throughout the year.

The expansion builds on Bilt’s recent $300 million acquisition of LAVA, whose loyalty technology powers experiences for 56 professional sports teams, providing the foundation for a new generation of connected fan membership programs.

In addition, the Chicago Bears are exploring a groundbreaking partnership with Bilt centering on their deep partner network to create transformative fan experiences for supporters everywhere, and are excited about the potential of this collaboration to set a new standard for modern sports and entertainment ecosystems.

As part of its entry into sports, Bilt is also partnering with Jump, the enterprise AI platform, to help clubs turn Bilt’s fan intelligence into stronger revenue growth.

Travel and Hospitality: Extending Loyalty Beyond the Property

Bilt is working with leading travel and hospitality partners to extend customer recognition, benefits, and loyalty experiences into participating neighborhood businesses.

The platform is designed to connect the guest and traveler experience beyond the hotel or airport, enabling eligible members to access personalized local experiences, recognition, rewards, and new ways to use their loyalty benefits.

Constellation Brands joins Bilt Neighborhood OS to bring personalized Modelo Especial and Corona Extra benefits and hospitality experiences to legal-drinking-age consumers across sports fandoms, residential communities, offices and local businesses.

Housing, Workplaces, and Mixed-Use Communities

Building on its housing platform, Bilt is expanding its connected membership experience with real estate partners across residential, commercial, and mixed-use environments. These partners include select luxury New York City rental buildings by Related Companies, as well as Presidio Bay, among others.

These experiences are designed to connect residents, tenants, and other community members to building services, concierge capabilities, local businesses, and neighborhood benefits.

Bilt is also expanding its connected membership experience through partners including Thumbtack and FlyBox, connecting members with home service professionals and on-demand self-storage, moving, and shipping. These partnerships are designed to make everyday life easier, from booking home maintenance and repairs to accessing self-storage without ever leaving home, all through the Bilt experience.

Bringing Cardholder Loyalty Into the Neighborhood

Bilt is also working with financial services partners, including Mastercard, to unlock even more ways to deliver value which may include cardholder recognition, personalized benefits, and real-world experiences across participating merchants.

These partnerships are intended to help financial institutions connect their existing customers and rewards programs to neighborhood commerce, creating new opportunities for both issuers and merchants.

Together, these programs expand Bilt’s membership technology from a platform originally built around where people live into infrastructure that can support communities across the places people live, work, stay, and gather.

Inaugural Bilt Research Reveals the Opportunity to Transform Neighborhood Commerce

The launch coincides with Bilt’s inaugural State of the Neighborhood 2026 study, conducted with 451 Research by S&P Global, which surveyed 6,591 U.S. adults*. The research reveals a significant disconnect: while everyday commerce remains concentrated close to home, the technology and loyalty experiences connecting consumers with nearby businesses remain fragmented. Key findings include:

  • Everyday spending is overwhelmingly local: Two-thirds of Americans do at least 80% of their everyday spending within their neighborhood, with the median consumer shopping within 15 miles of home

  • Rewards can drive discovery: 95% say they would try a local business at least once if they could earn points or rewards there

  • Loyalty encourages repeat visits: 87% say they would shop more frequently at a local business if they could earn rewards there

  • Consumers want connected experiences: 83% of renters say having everything from paying rent to booking dinner in one app would meaningfully improve their renter experience

Together, the findings highlight the opportunity to connect businesses with the customers already around them, turning everyday transactions into lasting relationships and making local commerce more rewarding for everyone.

The full study is available at business.bilt.com/state-of-the-neighborhood.

The Bilt Flywheel: Connecting Communities, Businesses, and Consumers

As more communities – from residential buildings and sports teams to hotels, workplaces, and financial institutions – adopt Bilt’s membership and loyalty platform, they bring their audiences into a growing network of neighborhood commerce. Businesses using Bilt Neighborhood OS can reach those consumers, attract new customers, and build lasting loyalty, while participating communities gain more places to offer rewards, benefits, and personalized experiences.

Together, these offerings create the Bilt flywheel: More communities bring more consumers. More businesses create more opportunities to engage and reward them. And as more commerce flows through the network, the value of participating grows for businesses, communities, and consumers alike.

Bilt’s commitment to financial stability and the path to homeownership: starting with $100K donation to Local Initiatives Support Corporation

In parallel with the launch of Bilt Neighborhood OS, Bilt is partnering with the Local Initiatives Support Corporation (LISC), one of the nation’s largest community development organizations, to help more individuals and families build savings, strengthen credit, and achieve long-term financial stability, beginning with a $100,000 donation. Building on LISC’s national network of Financial Opportunity Centers® and expertise in credit-building and savings initiatives, the partnership will develop scalable approaches to connecting people with financial coaching, income growth opportunities, and trusted support services to reach their housing goals, whether they rent their home or are on the path to homeownership.

“Financial coaching can change the trajectory of a person’s housing future, whether the goal is stability in the home they rent or the purchase of a home,” said Valerie White, Head of National Housing Strategic Initiatives at LISC. “Our partnership with Bilt will test new ways to connect financial coaching and resources with people’s housing goals, including pathways to homeownership, with the goal of reaching more individuals, families, and communities across the country.”

Building a Network Where Everyone Benefits

The long-term opportunity extends beyond any individual business, membership program, or industry. As more residential communities, sports teams, hotels, workplaces, and other organizations participate, they can bring additional customers and spending opportunities into the neighborhood network.

As more local businesses connect, those communities gain more places where their members can be recognized, rewarded, and served. For businesses, the network creates opportunities for customer acquisition, repeat spending, and stronger relationships. For participating organizations, it creates new ways to engage their communities and make membership more valuable. And for consumers, it means a more connected and rewarding experience across the places they visit every day.

“What’s truly exciting is that each new community and business makes the network more valuable for everyone else,” added Jain. “More communities bring more customers. More businesses create more reasons to participate. And more commerce flows back into the neighborhoods themselves. That flywheel is the opportunity we’re building toward.”

Availability

Neighborhood OS is now being introduced to businesses nationwide, with integrations and capabilities rolling out in phases across participating partners. Bilt’s expanded membership platform will support new branded and connected loyalty experiences across housing, sports, hospitality, travel, and more, with additional launches beginning in 2027.

Businesses and organizations interested in joining the network can learn more and join the waitlist through Bilt for Business – business.bilt.com.

About Bilt

Launched in 2021, Bilt is the membership for where you live and the Neighborhood Operating System (OS) powering everything around it. More than 8.2 million members use Bilt to earn rewards on housing payments, build a path to homeownership, and redeem the highest value rewards currency on the market across travel, dining, fitness, sports, and more. With Neighborhood OS™, the AI platform to help businesses grow through the neighborhood, Bilt connects multifamily property managers, travel advisors, sports organizations, and more than 50,000 merchants nationwide with nearby customers. Bilt powers 1 in 4 U.S. apartment buildings, including those in the Bilt Alliance, built with some of the nation’s largest owners and operators. For more information, visit www.bilt.com and download the Bilt app.

*Methodology: The State of the Neighborhood 2026 survey was conducted by 451 Research by S&P Global, on behalf of Bilt. The blind study surveyed 6,591 U.S. adults using a consumer population-representative sample and was fielded March-April 2026. Full methodology is available upon request.

1 U.S. Census Bureau Quarterly Retail E-Commerce Sales Report

2 U.S. Census Bureau Monthly Retail Trade Report

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