Yonder.
A rewards product is a ledger problem wearing a lifestyle brand.
- Client
- Yonder
- Sector
- Fintech
- Scope
- App + web
- Stack
- TypeScript, Node.js, React
A card and rewards product across app and web, covering onboarding, spending and the rewards mechanics behind it.
What made it hard.
Ledgers must balance to the cent across providers, currencies and retries. Approximate is the same as wrong.
Onboarding compliance
KYC and AML checks have to satisfy regulation without becoming the reason users abandon signup.
Provider dependency
Payment rails fail in ways you do not control. The system has to degrade without losing money.
Audit expectations
Regulators ask what happened on a specific date to a specific account. The answer has to take minutes.
What we shipped.
A card and rewards product across app and web, covering onboarding, spending and the rewards mechanics behind it.
How it holds up.
Double-entry from the first commit, idempotency on every money-moving endpoint, and a reconciliation job that runs whether or not anyone is watching.
The systemRewards accrual is computed from immutable transaction events, so a retroactive rule change can be replayed rather than patched.
Theirs, from day one.
Repositories, cloud accounts and documentation sat with the client throughout. Senior engineers wrote the production code rather than specifying it.
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