# Banking and Fintech

UPGRADE YOUR PAYOUTS

## Set New Standards for Rewards and Payouts in Fintech

With one API, Runa turns engagement into a revenue driver for neobanks and fintechs.

## Runa Is Trusted by Leading Fintech Innovators

# Reward Smarter, Retain Longer, Engage Deeper

### Offer Everyday Savings  
Encourage customers to choose your card or app for daily transactions with instant cashback, personalized offers, and gamified streaks that keep you top of wallet.

### Reward and Incentivize Action  
Reinforce positive financial behavior, from on-time BNPL installments to consistent bill payments, with instant rewards that strengthen trust and loyalty.

### Transform Your Disbursements  
Say goodbye to clunky ACH and wires. Send funds instantly to your customers’ cards with a faster, simpler, and more engaging experience with Runa Prepaid and Push to Card.

## The Numbers Don’t Lie—Rewards and Payouts Drive Growth in Fintech

### Loyalty Builds Retention
**77%** of banking consumers expect to be rewarded for their loyalty but only **45%** are satisfied with the rewards they receive.

### Rewards Influence Behavior
**70%** of customers say rewards from financial institutions influence spending and **66%** admit rewards change how they use financial products.

### Make Every User a Return Visit
With nearly **75%** of new fintech users churning within a week, loyalty rewards turn first-time users into repeat customers.

## The Smarter Way to Power Payouts and Rewards for Fintech

### Reliability That’s Always On
When your business runs 24/7, reliability can’t take a break. Runa’s payout rails are built for fintechs that don’t tolerate friction. Instant, global, and tested to extremes.

### Keep Every Payout On-Brand
With Runa, every payout lives inside your own experience, not a third-party redirect. Build a fully branded reward journey that feels seamless, secure, and unmistakably yours.

### Less Chaos, More Clarity
No more juggling vendors, currencies, or contracts. With Runa, one API powers your rewards and disbursements across every market, so your team can focus on building what’s next.

## Runa Brings All Your Payout Needs Under One Roof

### Runa FX
Cut FX costs and complexities. Runa FX unlocks instant global payouts 24/7/365 with low-cost, real-time currency conversion.

### Runa Payout Link
Pay your customers how they want to be paid. Send an open payout balance so they can choose how, when, and where to spend or save.

### Runa Network
Send rewards and more to cards and wallets in 160+ countries and access 5,000+ gift and prepaid card endpoints, all through one integration.

## We Didn’t Just Make Payouts Better. We Made Them Make Sense.
While others are retrofitting for modern finance, Runa was designed for it.

### Runa
- Zero Transfer Fees
- 24/7 FX
- Instant Payout Delivery
- Competitive Rates

### The Rest
- No
- No
- No
- No

## See How Industry Leaders Go Further with Runa

### Runa FX enabled Coincards to expand into new global markets with faster, simpler currency exchange and reduced manual work
**Mike Olthoff**  
Founder & CEO

### Pluxee Transformed Their Rewards Program—Halving Processing Time, Enabling Instant Delivery
**Josephine Hack**  
Catalog Manager, Pluxee

# Ask Us Anything—We’re Ready
How do banks and fintechs use Runa?
Runa helps banks, neobanks, and fintech platforms power global loyalty and reward programs. You can use Runa’s API to embed gift card rewards directly into your app and platform within a branded, seamless experience to reward customer spending, incentivize positive financial behaviors, and offer cashback. You can use Runa Shop to easily launch and maintain a fully branded member mall and offer discounted gift cards.

What makes Runa different from other payout or reward providers?
Runa consolidates over 5,000 global payout options, including gift cards, prepaid cards, and direct-to-account, into one API and one contract. Unlike legacy systems, Runa automates fulfillment, reduces vendor management, and gives you full control over branding and compliance.

How fast can we start using Runa?
Integration can take as little as a few days, depending on your system setup and use case. Our onboarding team works directly with your product and compliance teams to ensure smooth, compliant implementation.

Is Runa a good fit if we’re just starting to explore rewards?
Yes. Many banking and fintech platforms begin with a simple rewards use case, like offering digital gift cards or cashback, and expand into full payout automation as their programs grow. Runa scales with you as your needs evolve.

How does Runa help increase customer loyalty and retention?
Runa enables you to reward customers instantly and meaningfully for key behaviors, like spending, saving, app usage, or on-time payments. These real-time touchpoints build habit, deepen trust, and keep your platform top-of-wallet.

# Modern Finance Moves Fast. Your Rewards Should Too.
Launch branded global rewards with Runa and keep your platform ahead of the curve.