Palm Circle

The problemA creator program is a payments product wearing a marketing costume. The moment store credit went live it stopped being points in a database and started being money, and everything that was survivable while it was points stopped being survivable.

The decisionAudit the money paths as money paths rather than as features, before launch rather than after. That meant reading the reward submission the way somebody trying to rob it would, and separately checking whether two payout routes could pay for the same thing twice.

The resultTwo problems found and closed while the programme was still pre launch. The reward amount was being trusted from the browser with nothing validating it server side, and the screen an approver used never displayed the amount at all, so an altered figure would have been invisible to whoever clicked Approve. Separately, paying a member through Dots did not touch their Circle wallet, which meant the same reward could be claimed twice on consecutive days.

The payout research is the part I would keep. Every answer to "can we pay creators" came back as "our processor says no", which is true of taking money in and irrelevant to paying money out. The high risk label comes from card acquiring: chargebacks, age restriction, refund ratios. A payout has no chargeback. Once that was separated the list of companies willing to work with us was a completely different list.