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FinTech · Case study

Smart Rewards with Every Purchase

Our founder worked as a Software Development Engineer for Plem, focusing on authentication systems and the reward point feature. Plem is a digital platform that allows users to purchase gift cards from over 250+ brands, earning 1% cashback in the form of 'PLEMs' on every UPI transaction, simplifying the gift card experience.

Ongoing5 members2023India
Google Play App Store
Plem hero image
Over
Impact
Ongoing
Duration
5 members
Team
2023
Launched
The challenge

What we set out to solve

Consumers often miss out on rewards and face complexities in managing multiple brand gift cards.

The solution

How we built it

Our team developed a user-friendly mobile application that integrates seamless gift card transactions with a rewarding cashback system, encouraging users to maximize their savings.

Key features

What we shipped

Authentication system development

Reward point feature implementation

Gift card purchasing system

Cashback functionality

UPI transaction integration

Multi-brand support (250+ brands)

Digital gift card management

Engineering challenges

What made it hard — and how we approached it

The problems
01

Authentication System Security

Implementing a secure authentication system that protected user data while maintaining a streamlined login experience.

02

Reward Point Calculation Complexity

Developing an accurate and scalable system for calculating, tracking, and managing reward points across multiple transaction types.

03

Multi-brand Gift Card Integration

Creating a unified system to handle gift card purchases and redemptions across 250+ brands with varying APIs and requirements.

04

Real-time Transaction Processing

Ensuring instant and reliable processing of UPI transactions and immediate reward point crediting without delays.

Our approach

Secure Authentication Framework

Implemented a multi-layered authentication system with token-based security, biometric options, and fraud detection mechanisms.

Reward Engine Architecture

Designed a sophisticated reward calculation engine that could handle complex business rules, promotional offers, and point expiration policies.

Brand Integration Platform

Created a standardized integration layer that normalized interactions with diverse brand APIs through a unified protocol.

UPI Transaction Optimization

Implemented efficient UPI transaction handling with robust error recovery and reconciliation mechanisms.

Scalable Database Design

Developed a database architecture optimized for high transaction volumes and quick reward point calculations and redemptions.

Technical architecture

Spring Boot ledger core for gift cards, UPI payments and cashback

Plem is a mobile marketplace where users buy gift cards from 250+ brands, pay via UPI and earn 1% back as PLEM reward points. A Java Spring Boot backend on AWS exposes secure authentication, a rewards ledger and a brand integration layer over MySQL. A modular monolith fit a five-person team while keeping money movement and point accounting in one consistent transaction boundary.

Isometric diagram showing two smartphones with a QR tile and gift card tiles on the left, an authentication gateway, auth, rewards ledger and gift card catalog services, relational databases and a ledger, and UPI payment and brand gift card integrations on a cloud platform at the right.
Isometric diagram showing two smartphones with a QR tile and gift card tiles on the left, an authentication gateway, auth, rewards ledger and gift card catalog services, relational databases and a ledger, and UPI payment and brand gift card integrations on a cloud platform at the right.

Clients

Native mobile apps for Android and iOS are the only customer surface, with an internal console for operations.

  • Android app
  • iOS app
  • Operations admin console

API & edge

A REST API behind a load balancer authenticates every call and shields the backend from abuse.

  • Load-balanced REST API
  • Token-based authentication
  • OTP and biometric login flows
  • Rate limiting and device checks

Core services

Spring Boot modules own identity, catalog, orders, the rewards ledger and brand fulfilment within one deployable.

  • Authentication and user service
  • Gift card catalog and pricing
  • Order and fulfilment service
  • Rewards ledger engine
  • Brand integration adapters

Data

MySQL holds users, orders and a double-entry style points ledger; a cache serves the brand catalog.

  • MySQL transactional database
  • Points ledger tables
  • Catalog cache
  • Object storage for brand assets

Integrations

Payments and gift card issuance come from external providers normalised behind adapters.

  • UPI payment gateway
  • Gift card issuer and brand APIs
  • SMS and push notifications
  • Reconciliation feeds

Infrastructure & delivery

Managed AWS services keep operations light for a small team.

  • AWS compute and managed MySQL
  • Automated backups
  • CI/CD pipeline
  • Monitoring and alerts
Request lifecycle
  1. 01

    User signs in with phone OTP or biometrics and receives a short-lived access token with refresh rotation.

  2. 02

    User picks a brand gift card and denomination; pricing applies any PLEM points redeemed as a discount.

  3. 03

    The app initiates a UPI payment through the payment gateway and the backend records a pending order.

  4. 04

    The gateway callback confirms payment; the backend verifies the signature and marks the order paid in one transaction.

  5. 05

    The brand adapter requests issuance of the gift card and stores the voucher securely for the user.

  6. 06

    The rewards engine credits 1% PLEM points to the ledger and the user is notified; reconciliation runs against gateway settlement files.

Key decisions

Modular Spring Boot monolith over microservices

With five engineers, one deployable with clear module boundaries kept payments, orders and points in a single transaction scope and avoided distributed-consistency bugs.

Ledger-based reward accounting

Points behave like money, so every credit, redemption and expiry is an immutable ledger entry rather than a mutable balance, making audits and promotional rules tractable.

Adapter layer for 250+ brand APIs

Brands expose different issuance APIs and rules; a normalised adapter interface let new brands be onboarded without touching order or payment logic.

Idempotent payment callbacks and reconciliation

UPI callbacks can arrive late or twice; idempotency keys plus scheduled reconciliation against settlement data prevent double credits and lost orders.

Security & compliance
  • Multi-layered authentication with token-based sessions, OTP and biometric unlock, and device-level fraud checks.
  • Payment handled by a UPI gateway so bank credentials never touch Plem servers; callbacks verified by signature.
  • Gift card voucher codes encrypted at rest and revealed only to the authenticated purchaser.
  • Encrypted data in transit and at rest with least-privilege access to the MySQL database.
  • Data handling aligned with Indian digital payment and personal data protection requirements.
Outcomes

What it delivered

10,000+
App downloads across platforms
4.5★
Average user rating on app stores
250+
Brand gift cards available
Tech stack

Built with the right tools

Java
Java
Spring Boot
Spring Boot
MySQL
MySQL
AWS
AWS
Product screens

Inside the product

Plem — product screen 1
Plem — product screen 2
Plem — product screen 3
Plem — product screen 4
“The intuitive UX design and seamless integration of the gift card marketplace has been instrumental in our rapid user growth and high app store ratings.”
RS
Rahul Sharma
Founder, Plem
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