{{ programName }} · interactive demo Two sides · free-roam · illustrative data
HBL console ↗

Companion to the build spec

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Six layers described on paper, played out as two products: what the customer touches, and what the bank sees. The customer side is live — every tap moves real state. The console reads a snapshot of that state, refreshed when you ask for it.

Side one iOS · mobile

Customer app

Ayesha Karim, month three, Root tier, still Level 0. Onramp, Foundation cashback, streaks, the fraud quiz, a Moments reward, and a live Trust Score.

Onramp Foundation Daily Habits Moments Trust Score
Open the app →
Side two Web · desktop

Program console

A standalone internal tool with its own book of business: control room, layer economics, customer search and drill-down, points liability, rule projections, the credit desk queue, partners, compliance and delivery.

Control room Liability Customer 360 Rules Credit desk
Open the console →

Figures across both sides are illustrative — plausible, not modelled. Thresholds, reward values and tier names remain workshop material.
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{{ customerName }} {{ tierLine }}
{{ pointsFmt }} points
Wallet balance

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Today

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Cashback this month

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Credited instantly. No points to claim.

Trust Score

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Live for you {{ offersCount }}
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Recent activity · tap for why
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Streak

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One free freeze a month — a missed day does not reset progress. No streak here ever requires spending.

Reward curve 135710 Day 1Day 7Day 14Day 21Day 30
Fraud check

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Points from habits redeem in the marketplace. They do not move your Trust Score — that is earned by how you bank, not by how often you tap.
Trust Score
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Recalculated weekly, next Monday. An internal behavioural score — not a credit bureau rating.

What moves it
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What it unlocks at {{ trust }}
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Tier ladder
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Points to spend

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Most rewards here are paid for by a partner. Bill payment and the literacy session are the bank’s own.

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Purpose track

Convert points into a literacy session for a small-business owner. {{ purposeLine }}

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Why you earned this

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Messages

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Why you got this

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Points statement

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Earned {{ l.earned }} {{ l.pts }}

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Expires {{ l.expires }}

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Messages & language

Language

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How we reach you
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What went wrong?

Pick the closest one. We look at the engine trace before we ask you for anything.
raised

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{{ caseDoneRef }} · four-hour first response

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You pay {{ mktCost }}
You get {{ mktWorth }}
That is {{ mktPer }}
Afterwards {{ mktAfter }}

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Your request

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Foundation cashback is applied automatically at the moment of the transaction — nothing to claim, no ledger.

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Foundation cashback {{ payCashback }}

In your balance already. Real-time, at the bank's own margin.

Moment unlocked {{ payMoment }}

Credited now and visible immediately. Spendable after the standard two-hour window on received funds. One Moment a day.

Today's Moment has already fired. The cap is deliberate: it is a marketing budget, not an entitlement.
Fraud check {{ quizProgress }}

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Completion is tracked against fraud-dispute rates by cohort. If it holds, the layer reports as partly self-funding.
Onramp · one time

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Registering this device triggers the standard two-hour hold on debits. The bonus is yours — the sequencing of the message is the design problem.

Free-roam — send money, check in, take the quiz, lift the limit. The console reads whatever you leave behind.

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Program console

Read-only against production. Rule changes and pricing here are projections.

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The mercenary test same cohort · 6 months · illustrative

Engagement against Trust Score movement. Engagement up with Trust Score flat is reward-chasing, not habit formation.

M1M2M3M4M5M6 Engagement Trust Score Both rising together — habit, not mercenary behaviour.
Streak completion

Share of participating customers reaching each milestone.

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Quiz completion 58% · accuracy 71% · one freeze used by 22% of streakers.

Layer engagement is read by cadence, not by reward value: Daily Habits fires daily, Moments per transaction, Foundation on every transaction. The bottom three layers carry meaning, not frequency — do not judge them on this chart.
Outstanding points

184.2M

across all layers, month end

Recognised liability

Rs. 46.4M

IFRS 15, per-layer breakage

Partner-funded share

61%

target is rising, quarter on quarter

Layer Outstanding Breakage Cost / point Liability Funded by
{{ r.layer }} {{ r.outstanding }} {{ r.breakage }} {{ r.cpp }} {{ r.liability }} {{ r.funder }}

Outstanding Points × (1 − Breakage Rate) × Cost Per Point. Daily Habits is modelled separately from Moments — one blended rate misstates both. Finance and Audit sign off before launch.
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{{ customerName }}

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{{ snapTrust }}

Trust Score

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Trust Score inputs
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Engagement, this snapshot

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Habit activity does not feed the score. Transaction consistency, bill punctuality and savings held do — which is what keeps engagement honest.

Compliance flags

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Rule set

Move a lever to see the projected effect. Nothing here writes to the customer app.

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Projected monthly program cost

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Points liability

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at the current breakage assumption

Cost per engaged user

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per month, blended

Projection only. In production these levers are a change request with Finance sign-off, because they move a recognised liability — not a marketing setting.
Application {{ appRef }} Trust Score attached

Rs. 45,000 · 12 months

{{ customerName }} · working-capital top-up · {{ snapTierLine }}

Trust Score

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Bureau file

Thin

Tenure

3 mo

Behavioural evidence behind the score
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This is the advantage a wallet-only competitor cannot copy: the same behavioural data, priced into credit rather than into coupons.

System recommendation

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Analyst price {{ analystPrice }}

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{{ decisionLine }}

Demo workflow only — the decision is not written back to the customer app, and generous Trust Score pricing is gated on risk-model validation in a controlled cohort.
Redemption rate

72%

Rising is the goal. Breakage is not a win.

Active partners

14

Phase 3 target was 3–5. Ahead.

Failed redemptions

0.4%

A core KPI — execution is the opening.

Partner Category Funding Redemptions Bank cost
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The purpose track is the one line the bank funds on principle rather than on return — literacy sessions and small-business grants, reported alongside the commercial partners so the trade-off stays visible.

Snapshot-based: the console shows the customer's state as of the last refresh, not live.