Stored Value Closed Loop Wallet

The Modern Approach to Customer Loyalty​

Product Overview​

Accrue's stored value closed loop wallet is a fully white-labeled digital wallet platform that embeds directly into your app or website. Customers save, spend, earn rewards, access exclusive offers, and pay — all within a branded experience that feels native to your product.

Key Features​

For Businesses​

• White-Label Integration: Fully customizable to match your brand — logos, colors, copy, and behavior. Your customers see your brand, not ours.

• Flexible Deployment Options: Choose between a branded widget overlay, a fully embedded web integration, native mobile SDKs, or a WebView implementation based on your technical needs.

• Payment Processing Optimization: Direct integration with your payment stack eliminates interchange fees and reduces transaction costs, improving margins on every purchase. Support for wallet checkout and POS integration.

• Incentive Engine: Go beyond basic cashback with configurable rewards — sweepstakes, mystery rewards, tiered cashback, onboarding bonuses, and automated win-back campaigns. All delivered directly into customer wallets.

• Offers & Events Marketplace: Surface merchant or partner-funded offers and exclusive product/event access based on wallet activity. Turn engagement into a distribution channel.

• Real-Time Analytics: Access comprehensive data on customer saving and spending patterns, enabling personalized marketing and deeper customer insights.

• FDIC-Insured Security: All customer funds are held in FDIC-insured accounts, providing peace of mind for both your business and your customers.

For Customers​

• Versatile Funding Methods: Load wallets through one-time transfers, recurring deposits, round-ups from everyday spending, or receive contributions from friends and family.

• Earn Rewards on Everything: Cashback on deposits, purchases, and referrals. Mystery rewards for qualifying actions. Sweepstakes entries for wallet activity. Rewards are deposited directly into the wallet balance.

• Exclusive Access: Unlock early access to products, event invitations, and partner-funded offers based on wallet activity — the more engaged you are, the more you unlock.

• Frictionless Payment Experience: Pay seamlessly in-store or online using the pre-funded wallet, eliminating the need to enter payment details repeatedly.

• Secure Fund Management: Withdraw funds at any time with no penalties.

How It Drives Loyalty​

Accrue's stored value closed-loop wallet creates a powerful loyalty engine by addressing the core elements that drive customer retention and engagement:

1. Financial Incentives: Cashback on deposits and purchases, sweepstakes entries, mystery rewards, and partner-funded offers create tangible value that encourages repeat engagement.

2. Reduced Friction: The seamless integration of saving, earning rewards, and purchasing removes barriers to engagement. One-tap payment experiences make transactions effortless.

3. Exclusivity & Access: Unlike traditional loyalty programs that reward only after purchase, Accrue gives wallet users access to things non-wallet customers can't get — early product access, event invitations, and partner offers gated by activity.

4. Data-Driven Personalization: Every interaction provides valuable customer insights, enabling personalized offers and experiences that strengthen emotional connections to your brand.

5. Increased Customer Lifetime Value: Pre-loading funds increases commitment to your brand while the rewards structure encourages higher spending over time, driving significant LTV growth.

6. Psychological Ownership: As customers save in a dedicated wallet for your brand, they develop a sense of investment and commitment that traditional payment methods don't create.

7. Tiered Loyalty Structure: Implement customizable membership tiers based on brand engagement. Each tier includes specific benefits that increase in value as customers move up:

   • Progressive reward rates
   • Exclusive perks and partner offers
   • Early access to products and events
   • Mystery reward eligibility

Business Impact​

• Higher Retention: Businesses implementing Accrue's wallet solution report significant improvements in customer retention rates. Beta testers have seen an average 40% higher customer retention compared to non-wallet users.

• Increased Transaction Value and Frequency: Wallet users typically spend more than non-wallet customers, with early adopters reporting a 30% growth in average order value and 25% increase in purchase frequency.

• Reduced Payment Costs: By eliminating or reducing interchange fees through direct integration with payment systems, businesses save on transaction costs while building a pool of interest-free working capital.

• Enhanced Customer Insights: Gain a deeper understanding of customer behavior through comprehensive data on saving and spending patterns, enabling more personalized marketing strategies.

Platform Capabilities​

The wallet connects to every layer of the Accrue platform:

Implementation Process​

1. Discovery and Design: Our team works with you to understand your business needs and design a wallet experience aligned with your brand and goals.

2. Integration: Choose your path — web SDK, mobile SDK, WebView, or API-only. Full documentation and support for every approach.

3. Launch and Optimization: Our customer success team helps you launch the program and develop strategies to maximize adoption and engagement.

4. Ongoing Support: Receive continuous technical support and strategic guidance to evolve your wallet program as your business grows.

Accrue Wallet transforms how customers engage with your brand — combining payments, rewards, offers, and exclusive access into a single branded experience that drives retention, increases spending, and generates partner revenue.