A digital bank with a large user base wanted to give customers a reason to keep balances in their account rather than withdrawing to other platforms. The product team identified gift cards as a high-demand feature, but building a gift card catalogue from scratch, with brand agreements, inventory management, FX handling, and delivery infrastructure, was estimated to take over a year of engineering time.

Bamboo Card built an embedded mini app inside the neobank’s product. The experience runs under the bank’s own branding and design system. Users browse 3,500+ brands, spend their balance, and receive digital cards in seconds. Bamboo handles the catalogue, fulfilment, FX, compliance, and recipient support. The bank owns the user experience. The integration shipped in months.

The feature launched as a native part of the product with no visible infrastructure seam. Balance utilisation increased. And under the merchant-funded model, each gift card redemption generates margin for the bank rather than consuming budget.