Your organization
A homeowner’s equity can be a reason to keep the community card.
Marketplace/10
HELOC
Home equity, spendable on the community card.
HELOC connects a lender’s home equity line to the SuperApp. After the lender approves, eligible access can be spent and managed on the mCard.
Add it to any community SuperApp. Members and cardholders see it next to their mCard.
9:41
HELOC
$48.2k
available of $75k
Member screens. Tap through the feature.
In the SuperApp
One switch. It shows up for cardholders.
Homeowners see the line, the lender, and the available amount beside the mCard once the lender has approved it.
01
Show the line
Discovery and the application name the lender.
02
The lender decides
Underwriting, rate, and approval stay with that lender.
03
Spend on the mCard
Approved access can be used and watched in the SuperApp.
Who it is for
A feature has to be worth it for every side of the program.
Members & cardholders
Approved access is usable in ordinary card spend, in the app they already have.
Banks & partners
The lender owns the credit decision, the rate, and the agreement.
Industry bundles that include HELOC
Credit unions & local communities
Community Banking
A local institution can offer credit lines, a HELOC, bill pay, remittances, and wealth tools on each community card.
Open Community BankingNext on the shelf
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11
Micro Credit Lines
Smaller lines for shorter needs, offered by a licensed lender and usable on the mCard if approved.
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Bill Payments
Members pay household bills from the SuperApp, using the balance and the mCard the program supports.
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Foreign Exchange
Members exchange currency and see the rate before they move money, through a licensed payments partner.
Put HELOC on the mCard SuperApp.
A HELOC is offered by licensed lenders. Approval and terms are determined solely by the lender. This is not an offer of credit.