Earn & Play
Gamified mechanics that reward users for key behaviors — spin a wheel, scratch a card, earn and track points, redeem rewards. Drive ongoing engagement by making everyday banking fun and habit-forming.
A Telos Labs company
Intelligence, loyalty and engagement for financial institutions
Transform everyday banking into an engaging, rewarding, and behavior-changing experience. Trusted by credit unions, banks and fintechs across the Americas.
Hundreds of millions of transactions processed. Hundreds of thousands of consumers across the United States and Latin America.
Impact to financial institutions
+48%
Bill payment transactions
+32%
Higher deposits
2–3×
App usage
6×
Digital transactions YoY
A platform built around three engagement modules
Use them together or stand-alone, supported by a central intelligence layer that learns from every event.
Contextual Campaigns
Time-bound, segmented promotions to drive specific behaviors — card activation, transactions, on-time loan payments. Personalized missions deliver goal-oriented results, with guaranteed prizes or chance-to-win mechanics.
Level System
Progressive loyalty tiers (Bronze → Silver → Gold) that reward customers as they advance. Each tier unlocks new benefits, rewards and recognition — deepening relationships and boosting multi-product adoption.
How it fits into your stack
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1
Embedded into your existing app
Native SDKs for iOS, Android, React Native, Flutter and Web. The Flourish module renders inside your product — your brand, your design system, your typography.
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2
Personalized missions & journeys
Push behavioral events (card transactions, bill payments, transfers, generic events) and Flourish runs the mission engine: streaks, spending thresholds, time-bound campaigns, EPIC missions across multiple goals.
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3
Monetary or non-monetary rewards
Cashback, points, gift cards, sweepstake tickets, game vouchers — or your own custom prize. We process the mechanics; you control delivery via webhooks.
What customers see
Improved on-time payments & default rates
- 2× more clients paying on time
- −12 pp reduction in 30-day-late payments (37% → 25%)
More interchange revenue from card activity
- +4.3% increase in first purchase
- +11.5% increase in customers with 5+ transactions
- +4.8% increase in on-time payment
Why Flourish
Behavioral science & gamification
Mechanics designed by people who understand the psychology of habit and motivation, not by people who just like leaderboards.
Brandable, modular technology
Typography, colors, icons and copy adapt to your visual identity. The user feels like they're in your app the whole time.
Simple to implement
REST APIs and native SDKs ship in 5–7 weeks, faster than building it in-house. We've done it dozens of times.
Secure by design
The platform operates without using personally identifiable information. Your customer data stays with you.
For your engineering team
Documentation, ready when you are
REST APIs for mechanics and data ingestion. Webhooks for reward delivery and behavioral notifications. SDKs for every major mobile and web platform. Full reference is available behind a partner login — ask us for credentials and we’ll set you up.
Open the docs
Restricted area · partner credentials required
Built by Flourish, joined with Telos
Flourish Fi has served over two dozen banks, credit unions and fintechs since launch — processing hundreds of millions of transactions and reaching hundreds of thousands of consumers across the United States and Latin America. We were founded on the idea that financial software should be useful, engaging, and responsibly built.
In January 2026, Flourish joined Telos Labs — a Berkeley-based product engineering firm that helped build the first version of our platform. Flourish continues to operate as an independent SaaS while expanding the team's capabilities into AI-enabled product systems and long-term product stewardship. Read the announcement →
Fintech Americas Award winner · Featured in industry research
Ready to make engagement a competitive advantage?
Tell us about your product and we’ll show you what we’d build with you.
Talk to our team