← Embedded Finance Index 2026

Points or Cash

“Can an AI advisor own the award-travel decision moment and monetise via subscriptions and bank referrals rather than becoming a fintech itself?”

HQAntwerp, Belgium
IndustryTravel / AI advisor

The story

Points or Cash is a small Belgian operation (GJ Consultancy BV, Antwerp) running an AI-powered points-vs-cash travel advisor. The product is pre-revenue beta with a planned Pro ($9/mo) and Concierge ($79/trip) tier. Cash bookings are handled via Duffel; it does not operate its own banking, card, or payment infrastructure.

Last 12 months

2026-11

Published a banks and card issuers offer: the points-or-cash award calendar embedded in a bank's app, showing two months of award seats the cardholder's points can reach, priced against the cash fare, with a hand-off to the bank's points transfer. No bank customer named yet.

Product timeline

2026

Points or Cash operates an invite-only AI advisor 'Mila' that recommends points-vs-cash for award travel, with web, SMS/WhatsApp and MCP (Claude/ChatGPT) interfaces.· launch

The stack

0 layers disclosed in Points or Cash’s embedded-finance stack

Accounting gap: none

Points or Cash — frequently asked

Where is Points or Cash headquartered?

Points or Cash is headquartered in Antwerp, Belgium.

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