Customer Loyalty and Cashback (RewardCore)
Earning points, redeeming them to a wallet, inviting friends and gift cards. Other services send events, and a predefined rule determines the number of points.
- Domain
- Customer loyalty and cashback
- Target customers
- Banks, fintechs, marketing and customer retention teams
- Main capabilities
- Points rules engine, redemption to wallet, friend referral, gift cards and vouchers
RewardCore is the platform's customer loyalty microservice. It manages earning points, redeeming points to the wallet, inviting friends, and issuing gift cards or gift vouchers in one standalone service. Every other service on the platform, from sales to financing and payments, can report its business events to it, and RewardCore decides, on the basis of predefined rules, how many points are awarded.
The points cardex is kept append-only, and the accounting voucher is posted only at the moment of redemption, not when points are earned. Earned points are therefore not a permanent booked liability; they have a financial effect only when they are converted into money.
The service is designed for banks, fintechs and any business that wants to tie a loyalty or cashback program to customers' real transactions.
Key capabilities
Points earning rules engine
Anti-fraud caps per event, per day and per month, for each customer and each rule.
Unified, duplicate-free event intake
Each source service sends a business event with a stable identifier, and RewardCore prevents the same event from being recorded twice.
Redeeming points to the wallet
A voucher preview before final redemption, built with the same logic as the real voucher.
Manual points adjustment
An operator can manually increase or decrease a points balance, with a floor of zero; the balance never goes negative.
Referral program
Automatic activation when the invitee registers on the platform, with points awarded to both the inviter and the invitee according to rules the operator can configure, not a fixed amount in code.
Gift cards and vouchers
Atomic activation: posting of the accounting voucher and issuance of the payment instrument in a single operation, with automatic repair if instrument issuance fails temporarily but the accounting voucher has been posted.
Reporting and monitoring
A points cardex with full filtering by customer, type, source service, event and time range, and a monitoring dashboard with indicators for points, redemptions, active rules, invitations and voucher posting errors.
Periodic reconciliation job
Automatic, scheduled review of pending or failed redemptions to complete the accounting voucher, with a visible run history.
Business value
Loyalty programs are usually either very simple, with no anti-fraud control or financial traceability, or built from scratch for each business. RewardCore offers a configurable, financially safe points engine that any platform service can use without writing its own points logic. Because every redemption ends in a real, balanced accounting voucher, the finance team can trace and audit the exact cost of the loyalty program, which is missing from many pure marketing solutions.
Use cases
- Bank cashback on card transactions or financing installments.
- A customer acquisition campaign with rewards for inviting friends.
- Promotional gift cards, or selling gift cards as a standalone product.
- A multi-company loyalty program with different rules for each subsidiary brand.
What sets it apart
- Redemption settings are independent for each rule, rather than a single global rate, which allows several loyalty programs with different rates and accounts to run at the same time.
- Every points redemption is tied to a real, balanced accounting voucher; points never remain an invisible booked liability.
- Friend referral with no fixed point amount in code; everything comes from rules the operator can change.
- A multi-instrument gift card architecture that allows connection to a wallet or a credit card without calculating the balance twice.
See this module on demo data
In a demo session we walk through your organization's scenarios on Dara's demo environment and answer your technical and finance teams' questions.