Products · Rewards Engine
Branded rewards currency that designed for mCard engagement
Each neobank names its own currency and builds a local network of sponsors, advertisers, and affiliates. They fund value offers and SKU-level rewards; members activate them in the SuperApp; mCard transactions may apply offer currencies where available, marketing, affiliate, and banking in one rail.
Branded currency
Named points · promo cash
Value offers
$ to spend at locations
SKU rewards
Item-level cashback
Apply where supported
On eligible mCard activity
Why this matters
Where advertising meets the card network
Classic loyalty is disconnected from checkout. Coupons and affiliate links break the experience. Neobankify Rewards Engine turns funded marketing into offer currencies that ride the same mCard transaction, seamless for members, measurable for sponsors.
Marketing meets the card rail
Sponsors fund offers. Members activate in-app. mCard transactions settle value according to partner program rules and transaction timing, no coupon codes, no separate loyalty login.
Value-based offer currencies
Promo cash and spendable balances at specific merchants, “You have $5 to spend at 2 locations”, redeemed at the point of sale where supported.
SKU-level precision
Item-level rewards ($0.20 per mini can, 5% on a SKU) verified via receipt scan or card data where partners enable it.
Affiliate & advertiser economics
Local and national partners buy attention with real consideration: funded earn in exchange for transactions, loyalty, and measurable outcomes.
Experience the rails
Currency, value offers, SKU rewards, one engine
Member balance
Community Points
2,480
Each neobank names its currency. Earn on mCard spend. Boost with activated offers. Redeem into perks, statement-style value, or partner promo cash where configured.
Everyday earn
Base rate on eligible card spend, simple math members trust.
Partner multipliers
Sponsors fund 2×–10× windows members activate before they buy.
Offer currencies
Promo cash and SKU cashback sit alongside points as spendable value.
Visibility when posted
Balances, pending, and lifetime earned update in SuperApp Rewards.
Seamless settlement
From sponsor budget to member receipt, one path
01
Sponsor funds offer
Value pool or SKU reward, local or national partner.
02
Member activates
In SuperApp Rewards, Growth OS push, or agent suggestion.
03
Pay with mCard
Terminal, online, or wallet, same card rail.
04
Offer currency applies
Cashback, promo cash, or points may post, visibility depends on settlement and partner rules.
Members
Real value at checkout, not coupon chaos
- ✓One branded currency they understand
- ✓Promo cash they can spend at map locations
- ✓SKU offers redeemed by scan or card match
- ✓Balances, history, and pending rewards in SuperApp
Sponsors & affiliates
Buy real transactions, not just impressions
- ✓Fund offers against a high-intent cardholder audience
- ✓SKU and location precision for retail and CPG
- ✓Analytics: redemptions, ROI, repeat purchase
- ✓Partner kits and Growth OS outbound for recruitment
For neobank operators
Configure currency, earn rates, and the sponsor network
Design Studio sets the branded currency name, everyday and partner earn, and preview offers. Growth OS and the partner landing recruit sponsors. The SuperApp is where members activate and redeem.
Name the currency
Alumni Points, Fan Coins, Blessings, members earn and spend under your brand.
Set the economics
Everyday vs partner rates, welcome bonuses, and offer multipliers.
Grow the network
Local merchants and national advertisers fund value and SKU offers.
Make eligible mCard spend a loyalty moment
Launch a neobank where sponsors fund real offer currencies and members redeem them the moment they pay with mCard.
Illustrative product experiences inspired by scan rewards and promo cash patterns. Not affiliated with brands shown as examples. Disclosures