Partner Ecosystem Series: Tillo

Tillo is an embedded rewards and incentives platform that has revolutionised how businesses offer gift cards and loyalty rewards. Tillo’s API gives fintechs and companies instant access to a network of 2,000+ global brands offering digital gift cards, vouchers, and top-up rewards. Through one simple integration, a developer can enable their app to issue or sell gift cards from major retailers (from Amazon and Ikea to local boutique shops) without negotiating individual partnerships. Tillo’s platform is renowned for its scalability and ease of use – it operates the world’s fastest-growing digital gift card network, processing over $2 billion worth of gift cards to date across 37 markets and 16 currencies. Key technical features include push provisioning of gift cards (delivering gift card codes or wallet links in real time via API), and a robust management interface for tracking redemptions and balances. Tillo also emphasises security and reliability: it is certified in Customer Service Excellence and has high uptime, ensuring that gift card issuance is as dependable as core payments. Importantly, Tillo extends beyond just gift cards for consumers; it supports rewards campaigns, cashback offers, and corporate incentive schemes – all via the same platform. For example, fintechs like savings or budgeting apps use Tillo’s API to reward users with cashback gift cards for hitting milestones, thereby increasing engagement. Tillo is often described as an award-winning rewards and incentives API, giving companies a plug-and-play ability to boost user engagement and create new revenue streams through gift card commerce.

How Integrated Finance amplifies Tillo: By combining Tillo’s gift card network with Integrated Finance’s platform, fintech founders can create a richer financial experience that seamlessly blends banking and rewards. Using Integrated Finance’s orchestration engine, customers can invoke Tillo’s API as part of various workflows. For instance, consider a neobank that wants to offer a cashback in the form of a gift card whenever a customer achieves a savings goal. Without IF, the customer would have to independently build a ledger and integrate that with both  Tillo’s API and tie it into their core banking logic/integrate with Bank. With IF, however, this can be configured in IF’s own workflows: when the savings goal event triggers, you can record it on the IF ledger, you can then call Tillo to generate a gift card code (from a chosen retailer) and deliver it to the user. The entire ledger of transactions will include an entry for the reward issuance, thanks to IF’s programmable ledger which tracks not just monetary transactions but also incentive disbursements in real time. Moreover, Integrated Finance ensures that any value transfers via Tillo (e.g. issuing a £20 gift card) are handled with the same rigor as other financial transactions – meaning they can be subjected to approval rules or limits if needed (for compliance or accounting purposes).

From a developer’s perspective, the synergy is significant: IF provides a unified record point to record bank transfers/ card spend, subscriptions, fees and (with Tillo) rewards. With IF Tillo can be added as another “module” in the overall fintech infrastructure. Your team could, for example, set up a “rewards wallet” for users on IF’s ledger, credit that wallet with cashback amounts (calculated via IF’s Tillo), and then allow users to redeem that balance for gift cards via Tillo – all orchestrated and recorded by IF. Integrated Finance’s integrations across the ecosystem mean it’s also easy to combine Tillo with other services. Perhaps a fintech wants to fund gift card rewards using interchange fees from card spending; IF can connect the card issuer (say Marqeta or Thredd) and Tillo in one flow: helping the fintech to manage card spend is tracked in IF, triggers a reward calculation, and then you can use use Tillo to fulfill the reward. Such multi-component assembly is at the core of IF’s value proposition. Additionally, IF’s compliance-first approach adds trust to the rewards process. Even though gift cards are generally not cash, they represent value; IF can make it easier for fintechs to ensure that large gift card payouts might trigger a quick KYC re-check (using the compliance integrations) or that records of gift card distribution are stored for auditing (important for tax or promotional regulatory reasons). In summary, Integrated Finance supercharges Tillo by enabling clients to embed its vast rewards catalog directly into fintech apps’ financial flows. Founders get to deploy an engaging, revenue-generating rewards program with minimal effort, while maintaining a single source-of-truth ledger and control via IF. This combination exemplifies how technical orchestration and business innovation go hand-in-hand: Tillo brings the innovative rewards capabilities, and IF’s platform weaves those into a cohesive, ledger-backed fintech experience that is both better for users and easier for developers to maintain.