Felmu Loyalty. Rewards your regulator can sign off on.
A loyalty and rewards platform for forex bureaus, banks and fintechs. Every point earned, every rule change and every redemption is controlled, approved and permanently recorded.
Strict controls for staff, a simple app for customers.
Your team gets two-person approvals and an audit trail that can't be altered. Your customers get a clean app for their points.
Programme overview
Pending approvals
Members by tier
Audit trail · tamper-proof
9f2c…a41eConfig change approved09:444b7d…19c0Two-step sign-in · admin09:43e01a…77b2Points batch posted09:30c3f8…5d19Member joined via app09:28Screens show sample data.
Loyalty with proper controls
A lot of loyalty tools are built for marketing teams and little else. Felmu Loyalty is built like a banking system, because in your industry it has to be.
Tiers & membership
Standard, Silver, Gold and Platinum come ready to use. You can change the tiers and set progression rules by branch or product.
Configuration workbench
Every earning rule and setting goes through draft, submit, approve and activate, and can be rolled back in one click. Nothing goes live without approval.
Earning engine
Points are earned by formula on transactions such as FX deals, deposits and referrals, with connections to core banking systems like T24.
Points ledger
A proper ledger of points earned, expired and redeemed. It posts straight to your accounts, so finance can track the liability.
Staff security
Staff sign in with a password and a one-time code. There are 7 roles, with detailed permissions for each branch.
Customer app
Customers sign up with their phone number, check their points and tier, and redeem rewards. The app installs from the browser and works offline.
Ready for audit day
- Tamper-evident. Every action is sealed into the audit history, so any attempt to change past records shows up straight away.
- Two people on every change. Configuration goes through maker-checker approval, so marketing can move quickly without getting around the controls.
- Works with core banking. It's designed to read transactions directly from core banking systems such as Temenos T24.
- Start small. Begin with tiers, members and approvals, then add earning, redemption and analytics as the programme grows.
The essentials
| Who it's for | Banks, forex bureaus and fintechs |
| Where it runs | In your own data centre or a private cloud |
| Sign-in security | Staff use a password plus a one-time code. Customers sign up with their phone |
| Governance | 7 staff roles and two-person approval for every change, with one-click undo |
| Audit | Tamper-proof history. Any change to past records is visible immediately |
| Customer app | Installs straight from the browser and works offline |
| Integration | Connects to core banking systems such as T24 and posts to your accounts |
Launch a loyalty programme your board will approve.
We'll take your compliance and marketing teams through the same demo, and both should come away happy.