What nbfcs are up against.
Repayment traffic is unmonetised
Borrowers visit monthly to pay EMIs — high-frequency, high-trust traffic that generates zero revenue beyond the loan itself.
Cross-sell has regulatory limits
Pushing more credit products at repayment time invites both regulatory scrutiny and borrower fatigue.
Engagement ends with the loan
When the loan closes, the relationship closes. There is nothing keeping the customer in the app between or after loans.
Built for nbfcs, not retrofitted.
Monetise repayment traffic
EMI and repayment visits become commerce moments with contextual merchant offers.
Built for regulated lenders
Zero PII storage and server-side tracking designed for compliance-conscious NBFCs.
Revenue share only
No setup fees or monthly charges — commission is shared only on confirmed conversions.
A new revenue line from existing traffic, with no upfront cost.
How nbfcs put it to work.
01
Offers on the repayment journey
After an EMI payment, show relevant merchant offers — a value moment instead of a dead end.
02
Rewards for good repayment behaviour
Commission-funded merchant rewards can recognise on-time repayment without touching loan pricing.
03
Relationship beyond the loan
A rewards surface keeps closed-loan customers engaged until their next credit need.
One API between your platform and every affiliate network.
No loan, bureau, or KYC data is involved — the rewards layer runs on an opaque user token through one REST API, entirely separate from your lending stack.
Merchant campaigns
Aggregated from every major network
MBO Rewards API
Normalised, deduplicated, ranked
Your platform
Renders offers in your UX
Server-side tracking
Opaque tokens, zero cookies
Confirmed commission
Webhooks + monthly statements
Zero PII stored
User identity is an opaque token MBO Rewards cannot reverse-map.
Server-side tracking
No cookies, pixels, or client-side scripts in your application.
Encrypted throughout
TLS 1.3 in transit, AES-256 at rest, tenant-isolated data.
Review-ready
An architecture designed to pass enterprise security review.
Revenue Opportunity Simulator
What is affiliate commerce worth to your platform business?
Four questions, an executive dashboard, and a downloadable business case for your leadership team.
Questions nbfcs ask us.
Does MBO Rewards see any borrower data?
No. Tracking runs on an opaque token your systems generate. No loan data, bureau data, KYC, or personal identifiers enter MBO Rewards.
Will this complicate our regulatory position?
Merchant rewards are retail commerce, not a credit product. The zero-PII, server-side architecture is designed for compliance-conscious regulated lenders.
What's the effort for our engineering team?
One REST API integration, typically 2–3 days from sandbox to production, with a dedicated integration engineer.
How do we earn?
Affiliate commission on every confirmed purchase made through embedded offers, reported per campaign with monthly statements.
Talk to the team that will run your integration.
A 30-minute scoping call covers your platform, compliance requirements, and go-live plan. Most integrations complete in 2–3 days.