How KaldiApp Built a Rewards-Driven Fintech Product with Integrated Finance
See how KaldiApp uses Integrated Finance for KYC, virtual accounts, ledgering, and custom fund flows — powering a rewards-first fintech journey with seamless compliance.
Challenges
- Enable customers to buy gift cards and earn cashback
- Track cashback in a secure, real-time ledger
- Issue virtual accounts for streamlined transactions
- Sweep cashback balances to third-party investment platforms
Benefits
- Embed KYC and transaction monitoring directly into the onboarding and transaction process
- Use IF’s virtual account module to issue unique GBP accounts for every user
- Leverage the stand-alone ledgering system to track cashback balances in real-time
- Configure customised orchestration flows to: Collect gift card payments, Record cashback, Sweep balances to an investment platform
KaldiApp is a UK-based fintech that transforms everyday purchases into financial empowerment. Through its gift card-based cashback platform, users earn rewards that can later be invested through partnered platforms
Reglatory & Compliance Coverage
Getting the right reglatory converage is crucial (and time consuming) to serve your customers both to launch and once you are up and running. Alongside utilising regulatory coverage from Integrated Finance, Kaldi harnessed pre-built KYC, screening & transaction monitoring flows to make sure they were automating as much as the whole compliance process to support their own teams.
Plug-and-play ledgering to manage cashback flows
Connecting to a cashback and rewards provider and managing customer cashback transactional flows is a challenge for operations and finance teams. Using the IF ledger & custom transaction modules, Kaldi built automated flows to make sure all cashback transactions are instantly shown to customers.
Modular architecture enables rapid product iteration
Adding new products to offer to your customers is harder than you think. Technical development, new operational & compliance workflows & treasury management will all change each time you add something new. By building on flexible infrastructure that flexes as new products were added, Kaldi rapidly added new features to allow customers extra ways to pay and store money.
30%
reduction in operating costs
85%
reduction in development costs
3x
improved timed to market