Designed an uncapped 3% cashback system that rewards everyday spending automatically, with no categories to track or limits to hit.
Cashback usually comes with strings — rotating categories to activate, caps that kick in just as they start to matter, and points systems that take a spreadsheet to follow. Customers end up leaving rewards on the table simply because the rules are too much work to track.
We built a rewards engine that returns up to 3% on everyday spending, credited automatically with nothing to activate and no ceiling. Customers earn on ordinary purchases without opting in, tracking categories, or toggling anything on.
The point was to remove every reason rewards get left on the table. There's no cap, so the earning keeps going no matter how much someone spends, and no rotating categories to follow — the credit simply lands on its own.
Behind the simplicity is an engine built to scale cleanly across millions of transactions, so the logic holds up whether it's rewarding one purchase or a month's worth.
Customers now earn without thinking about it. Rewards land automatically, the cap that used to blunt them is gone, and the engine holds up across millions of transactions — so everyday spending quietly pays for itself.
You expect money to move the instant you tap send — no holds, no waiting, no fine print.
When a bank can't deliver that, it isn't just behind on features — it's behind on your life.
So we built a neo-bank on modern rails — engineered to move at the speed you actually live.
Because when your money moves in the right direction, you get where you're going faster.
