About us
Built by bankers, for the AI era.
Every bank already knows its customers. We help it show them.
About us
Built by bankers, for the AI era.
Every bank already knows its customers. We help it show them.
Built by bankers, Muscle is the personalization layer that turns data institutions already hold into individual relationships. Six years inside the problem, in production.
Built by bankers, Muscle is the personalization layer that turns data institutions already hold into individual relationships. Six years inside the problem, in production.
Results
14%
Savings in the loyalty budget, from adjusting the value of every point in real time.
1.3x
More redemptions. Customers engage more when the offer is made for them.
3.2%
More offers taken up. The right offer reaches the right customer at the right moment.
45%
Of customers choose to combine points and cash, so rewards stay within reach and the bank earns additional revenue.
Results
14%
Savings in the loyalty budget, from adjusting the value of every point in real time.
1.3x
More redemptions. Customers engage more when the offer is made for them.
3.2%
More offers taken up. The right offer reaches the right customer at the right moment.
45%
Of customers choose to combine points and cash, so rewards stay within reach and the bank earns additional revenue.
Our Principles
01
The average is waste.
Banks hold the data to know each customer one by one. We build for the individual, so every reward reaches the person it was made for.
02
The bank decides.
Loyalty belongs to the institution that owns the relationship. MUSCLE executes the bank's own criteria in real time, and every decision stays the bank's. We give the muscle back to the bank.
03
AI in the DNA, not on the label.
The intelligence works inside every decision the platform makes, in real time. Banks do not buy AI. They buy customers who feel known.
04
Relationships, not programs.
A program is a catalog of points and tiers. A relationship is a bank that remembers, anticipates, and rewards. We design loyalty as that continuing exchange.
Our Principles
01
The average is waste.
Banks hold the data to know each customer one by one. We build for the individual, so every reward reaches the person it was made for.
02
The bank decides.
Loyalty belongs to the institution that owns the relationship. MUSCLE executes the bank's own criteria in real time, and every decision stays the bank's. We give the muscle back to the bank.
03
AI in the DNA, not on the label.
The intelligence works inside every decision the platform makes, in real time. Banks do not buy AI. They buy customers who feel known.
04
Relationships, not programs.
A program is a catalog of points and tiers. A relationship is a bank that remembers, anticipates, and rewards. We design loyalty as that continuing exchange.
Careers
We're a small team building for some of the biggest banks in the world. If that sounds like your kind of problem, we'd like to meet you.
Careers
We’re a small team building for some of the biggest banks in the world. If that sounds like your kind of problem, we’d like to meet you.