Challenges
The average American consumer holds 3-4 credit cards, each with a unique and complex reward structure (cashback categories, tiered multipliers, and welcome bonuses). This complexity leads to several major pain points:
- Decision Paralysis: Users struggle to remember which card offers the best rewards for specific categories like groceries, gas, or dining.
- Financial Loss: Using the wrong card results in hundreds of dollars in missed cashback or points annually.
- Lack of Insight: Users lack tools to analyze their actual spending habits to find better card matches or assess their eligibility for new cards.
- Fragmented Offers: Merchant coupons and card-linked offers are scattered across different apps, making them difficult to track and activate.
Scope Of Work
Relia Software built a comprehensive backend API and mobile infrastructure, featuring 70+ modules and 187 database entities to power the entire ecosystem.
Core Features:
Bank Account Linking: Secure connection to financial institutions via Plaid, automatically syncing 365 days of transaction history.
Advanced Engines: Includes a Reward Calculation Engine for complex rules (spend-based, category-specific, tier-based) and a Recommendation Engine for personalized card suggestions.
Missed Reward Analysis: A proprietary tool that identifies and quantifies rewards lost due to using the wrong credit card.
Card Approvability Score: Predicts the likelihood of card approval by integrating TransUnion credit data.
Merchant Integration: Centralized Card-Linked Offers (CLO) for easy coupon activation and a browser extension for desktop support.
Financial Services: Integrated Stripe for premium subscriptions, PayPal for user payouts, and a referral reward program.
Solution
Technical Innovations
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Intelligent Rule Engine: Developed a dynamic logic system that handles bank-specific multipliers, such as Bank of America’s preferred rewards tiers.
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High-Scale Automation: Utilized BullMQ for background job processing (Plaid webhooks, data sync) and cron jobs for offer expiry scanning.
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Real-time Synchronization: Built a WebSocket-based Reward Gateway to provide users with instantaneous updates on their rewards.
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Seamless 3rd-Party Ecosystem: Integrated over 9 external services, including Ortto for marketing automation, CleverTap for engagement, and AirBridge for deep linking.
Tech Stack
|
Layer |
Technology |
|
Frontend |
React, React Native |
|
Backend |
NestJS |
|
Database |
MySQL |
|
Caching |
Redis |
|
Cloud |
AWS |
|
Integrations |
Plaid, TransUnion, Stripe, PayPal, Ortto, CleverTap, AirBridge, Branch.io |
Results & Impact
User Base: Successfully supported over 1,000 active users during peak periods.
Technical Integrity: Solved complex challenges involving PII encryption, real-time data sync, and a scalable worker architecture.
Project Delivery: The project was fully completed and handed over to the client in February 2025.
