Fluz
“Can a cashback rewards app become the embedded payments infrastructure layer for software companies and marketplaces by monetizing the same multi-bank, multi-card-network rails it built for consumers?”
Founded in 2018 as a consumer cashback and collaborative earning app, Fluz built payment infrastructure processing over $5 billion in consumer and business payments across gift cards, virtual cards, and bill pay. It expanded into SMB spend management with corporate cards and bill pay. In early 2026, Fluz launched Fluz Platform, pivoting toward embedded finance infrastructure — offering pay-ins, wallets, virtual card issuance, and payout rails as a B2B product to software companies and marketplaces. The company now operates both a consumer/business-facing rewards product and a white-label embedded finance infrastructure layer.