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Real Estate verified Verified Outcome TRL 9

Rent Payment Loyalty Ecosystem

domain Client: Multifamily Landlords handshake Provider: Bilt Rewards schedule Deploy: 2021-Present
96 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Very High

Executive Summary

ANALYST: COI RESEARCH

Creation of a loyalty alliance allowing renters to earn points on rent payments (without transaction fees) which can be redeemed for down payments or travel, turning rent into a stickiness tool.

rate_review Analyst Verdict

"Financial engineering masterpiece. It solves the 'fee problem' (landlords can't absorb 3% CC fees) by creating a co-brand card network. For landlords, it turns the monthly pain of paying rent into a gamified 'Wallet Share' opportunity, drastically increasing renewal rates."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Rent is the largest monthly expense but offered zero rewards, unlike dining or travel. Paying by credit card incurred a ~3% fee, so everyone paid by check/ACH. Landlords had no loyalty levers to prevent churn; a tenant would leave for a $50 cheaper apartment across the street.

psychology The Solution

Launched the Bilt Mastercard. It allows tenants to pay rent at any building with 0% fees, earning 1 point per $1. For partner landlords (Alliance), Bilt integrates into the payment portal. Points can be transferred to airlines or saved for a mortgage down payment. This creates a high switching cost for tenants thinking of moving to a non-Bilt building.

settings_suggest Technical & Deployment Specs

Integrations
Yardi, RealPage, Entrata
Deployment Model
Fintech Platform
Data Classification
Financial PII
Estimated TCO / ROI
Zero (Revenue Share)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Interchange Economics High High spend on non-rent categories.
Fraud Medium Identity verification.

trending_up Impact Trajectory

Audited value realization curve

4M+ members in loyalty network Verified Outcome
Primary KPISignificant lift in lease renewals
Audit CycleBillions in rent volume processed annually

policy Compliance & Gov

  • Standards: Banking Regs
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial PII

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Multifamily Landlords without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-675
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-675

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