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FinTech · payments · mobile

Take care of the people who take care of your customer.

CUES gives a business instant payment rails to its own team — stipends, bonuses, spiffs, reimbursements and tips paid out on the shift instead of on the bank's cycle — with a prepaid card and a cashback layer on top.

Client
CUES
Sector
FinTech · employee payments
Platforms
iOS, Android and web
Users
Distributed and frontline teams
CUES — mobile wallet, business prepaid card and company dashboard
CUESMobile wallet · card · dashboard
The problem

Where it started.

The people closest to the customer are the slowest to get paid. A bartender earns a spiff on Friday and sees it in a fortnight. A technician buys a part out of pocket and files an expense report that clears at the end of the month. A manager wants to reward a shift that went well and has no mechanism faster than payroll.

Everything about that gap is a business problem: the incentive stops motivating by the time it lands, the expense admin costs more than the expense, and the team's sense of being looked after erodes on the delay rather than the amount.

The product

Four parts, one wallet.

PaymentsCard issuingRewardsMobile
01

Instant payments

Money moves between the business and the person immediately, and between people in the app. A spiff paid at the end of the shift is in the wallet at the end of the shift — no bank cycle, no payroll run, no waiting.

02

The CUES Card

A business prepaid card that removes the reimbursement loop entirely. Staff spend from the card instead of their own pocket, so there is no expense report to file and no float to chase.

03

Cashback that compounds

The more payouts run through the platform, the more the user earns back — a rewards layer that makes the fast rail the one everybody wants to use.

04

Communication tied to money

Broadcasts, high-fives and pulse checks sit next to the wallet, so an incentive is announced, earned and paid in the same place instead of across a group chat, a spreadsheet and a payslip.

The surface

What each side sees.

One system, two very different jobs.

The team member — mobile

  • Wallet balance with instant transfer in and out
  • Payment history — who paid you, who you paid, when
  • CUES Card for spend without reimbursement
  • Cashback earned on platform activity
  • High-fives and recognition from managers and peers
  • Broadcasts, check-ins and pulse surveys
  • Native iOS and Android — on the App Store and Google Play

The business — web dashboard

  • Deposits and balance across the company wallet
  • Scheduled payments with status by recipient
  • Pay logs — every payout searchable by company, date and status
  • Active users, wallet activity and unprocessed items at a glance
  • Card issuing and management per employee
  • Company events and milestones
Why it holds together

Money is the hard part —
so it sets the standard.

A payments product earns trust in the first ten seconds of use or never.

Instant means instant

No pending states to explain.

A transfer that resolves while the user is still looking at the screen is the entire promise. Everything else in the product is built around not breaking it.

Card and wallet as one balance

One number people can trust.

Spend on the card, transfers between people and payouts from the business all read against the same balance, so nobody has to reconcile two figures in their head.

Mobile-first, genuinely

Designed for a shift, not a desk.

The people being paid are standing up, mid-service, on a phone. The primary experience is native on iOS and Android; the dashboard is the secondary surface, not the other way round.

Where it stands

Live on both stores.

Shipping to businesses paying distributed and frontline teams.

Instant
payouts, not cycles
Stipends, bonuses, spiffs, reimbursements and tips settle immediately rather than at the end of a pay period.
Card + wallet
one balance
The CUES Card removes the reimbursement loop; the wallet keeps spending and payouts in a single ledger.
iOS + Android
live in both stores
Native apps for the people being paid, with a web dashboard for the business paying them.

Building something
that moves money?

Payments products are unforgiving — the trust is won or lost in the first transfer. If that is the problem in front of you, it is the kind we like.