Interest Rate Boost

    Tellus

    Value
    Finance
    Client activation
    USA
    2026

    Tellus USA bundles a credit card and cash loan with a behavioral incentive model. Customers who pay on time and meet spend goals can activate a monthly Interest Rate Boost, lowering their loan to 5.29% for that month. This opt-in reward loop builds engagement while reinforcing discipline and risk control.

    Use Cases

    Enhance customer loyalty by rewarding fiscal responsibility with lower interest rates after meeting specific spending and payment criteria.

    Innovation Metrics

    11%

    Penetration

    3,5€

    Willingness to pay

    MAU

    Engagement

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    Innovation Flow

    Screen 1 / 3
    Screen A
    Screen B
    Screen C
    9
    Tellus - Screen A

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