Build a loyalty and gift card program
Issue branded gift cards instantly, reward every transaction and run B2B bulk gifting — designed as a clickable prototype before you commit a dollar.
Gift cards and loyalty points are stored value — which makes them financial products, with float, redemption liabilities and compliance obligations hiding behind the marketing. The brands that win (think Starbucks Rewards, Prezzee) treat the program as a product in its own right, with instant issuance, a real wallet and partner distribution.
Kobble's AI builder designs that product for your brand: digital and physical prepaid cards, points earning on every transaction, embedded redemption at checkout and a B2B bulk gifting flow for corporate buyers. You get a clickable prototype plus a clear map of the regulatory pathway for stored value in Australia.
What you can build
Instant digital gift card issuance
Cards are created and delivered in seconds — email, SMS or in-app — with physical prepaid cards available for retail distribution.
Points on every transaction
Earning rules by product, category or campaign, with balances that live in a consumer mobile wallet customers actually open.
Embedded redemption
Points and card balances redeem inside your checkout rather than in a separate portal, keeping the loop inside your brand.
B2B bulk gifting
A corporate flow for buying cards at volume — with an API so platform partners can distribute your cards programmatically.
Stored-value compliance mapped
The builder's compliance pathway sets out how the program sits against Australian stored-value and AML requirements, and what Kobble's licensing covers.
Powered by Kobble modules
The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.
- Prepaid card issuing
- Stored value accounts
- Loyalty points engine
- Consumer wallet
- Partner API
- AML monitoring
How it works
- 1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
- 2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
- 3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.
Frequently asked questions
Do gift cards need a financial services licence in Australia?
Stored-value products carry regulatory obligations that depend on program size and structure. Programs on Kobble run on infrastructure operating under AFSL No. 545391, and the builder maps the specific pathway for your design.
Can customers hold both gift cards and loyalty points?
Yes — the consumer wallet holds prepaid balances and points side by side, and both redeem through the same embedded checkout.
How does B2B bulk gifting work?
Corporate buyers purchase cards at volume through a self-serve flow or via API, with delivery scheduling and their own reporting.
Can this bolt onto an existing retail app?
Yes. Choose "Upgrade an existing product" in the builder and describe your current app — the prototype renders the loyalty program inside your existing product's brand.
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Build a loyalty and gift card program
Describe it in a sentence. See it as a clickable prototype in your brand — then take it live in around 8 weeks on Kobble.
Start building — it's free