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.

    Innovation Metrics

    11%

    Penetration

    3,5€

    Willingness to pay

    MAU

    Engagement

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

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