The fintech playbook. Built in the builder, decided by your ledger.
Ten journeys, each drawn below as it runs. The decision comes from your ledger, your credit engine or criteria you set; the journey carries it. Aims are targets to agree in the pilot, not results.
Fund the wallet within forty-eight hours of KYC.
A verified wallet with no top-up after forty-eight hours gets one push that opens Add money, and one WhatsApp three days later if money still has not landed; the journey stops the moment it does.
- Decides
- your ledger's KYC and top-up events.
- Aim
- more wallets funded in the first week.
Offer the savings pocket the day the salary lands.
A salary credit into the wallet asks your ledger whether the user already holds a pocket, then sends one WhatsApp with Open a pocket or Not now; a tap goes to your system to open it.
- Decides
- your product rules and what your ledger holds.
- Aim
- pockets opened without a campaign.
Raise the limit the day the third instalment clears.
A third instalment paid on time asks your credit engine whether a higher limit is available, then sends one WhatsApp with Raise my limit or Keep it; a tap goes to your system to apply it.
- Decides
- your credit engine.
- Aim
- limits raised without a call, only where your engine agrees.
Turn an unused credit limit into a first draw.
A limit approved and untouched for thirty days checks with your credit engine that it is still live, sends one Story on three ways to use it, and one WhatsApp with a use case if they read it.
- Decides
- your credit engine and your segment definition.
- Aim
- first draws on limits that were sitting idle.
Bring the Add money visit to a top-up.
A session with the Add money screen opened twice and no top-up sends one push that opens the step they left, and one WhatsApp with the same link if money has not landed by the next day.
- Decides
- a session rule you set.
- Aim
- more first top-ups from users who already tried.
Catch the wallet that is emptying quietly.
A user whose top-ups have fallen on your RFM windows enters At Risk, gets one Story on the feature they never used and one nudge if they read it; if not, the journey waits and moves them to Lost with no more messages.
- Decides
- your RFM definitions.
- Aim
- the drifting user reached once, before the balance is gone.
Set up autopay on the third bill to the same biller.
A payment event from the receipt you already send, the same biller for a third month, asks your ledger whether the biller is on file, then sends one WhatsApp with Set up autopay or Not now; a tap goes to your system to schedule it.
- Decides
- your ledger and the pattern you define.
- Aim
- bills that pay themselves, and a user who stays.
Finish the KYC that stalled at the document.
A session that started KYC and ended with no document uploaded sends one WhatsApp with a tap to continue where they stopped, checks your ledger, and sends one SMS with the same link if they are still not verified.
- Decides
- a session rule you set; your ledger's KYC status.
- Aim
- more verifications completed.
Remind on the instalment date, then escalate.
The journey waits until the date your ledger holds, sends Pay now, stops when paid, and escalates by channel if not, with the outcome written back.
- Decides
- your due dates and risk tiers.
- Aim
- higher on-time repayment, lower cost to collect.
Grow by referral, credited honestly.
A tap on a per-person link is matched to an install, deterministically on Android and as an estimate on iOS, and the sharer's reward waits for the new user's first payment before your system pays it.
- Decides
- your reward rule; your ledger's first payment.
- Aim
- member-get-member that pays for a paying user, not an install.
Where a step says your system decides, the journey calls your system and branches on its answer. xNotify carries the journey; it does not become the model.