what's more in twid?
Exclusive Merchant Offers: Get access to exciting deals and discounts when you pay with TWID. 🤑
Track Expiring Points: Never let your reward points expire! Get reminders and make the most of them. ⏳
Link and Pay with Rupay Cards: Enjoy even more payment options by linking your Rupay cards to TWID. 💳
Bank Transfer: Easily transfer money between bank accounts using TWID’s UPI features. 🔄
Pay with Rewards at Popular Merchants: TWID lets you pay with rewards at merchants like Myntra, IXIGO, Bookmyshow, Jiomart, and many more.🎉
summarizing thoughts
The Twid app represented a pivotal milestone as my first end-to-end platform design, uniquely addressing three critical stakeholders: Issuers, Brands, and Consumers. The design challenge was complex, requiring a balanced approach that provided equal visibility and value for each stakeholder group. This demanded extensive cross-functional collaboration with business, user growth, and data teams to deeply understand existing user dynamics and craft an optimal experience that served multiple perspectives simultaneously. By navigating these intricate stakeholder needs, the design process transformed from a mere interface creation to a strategic exercise in holistic product ecosystem design.
©sahilux/2024
Last updated 1/11/24
© 2025 फक्त Sahilux. साठी सर्व हक्क राखीव आहेत
©sahilux/2024
Last updated 1/11/24
© 2025 फक्त Sahilux. साठी सर्व हक्क राखीव आहेत
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TWID UPI Payment Flow
Introduced a native UPI payment flow within the app, allowing users to send money and scan QR codes. The flow was tightly integrated with reward visibility, making UPI a core channel to activate users and increase app stickiness.
User discover about Bill Payments
View your total rewards across partners, understand how much you've saved, and get a ledger-style history of where each point was earned or spent.
No more juggling on app — just transparent tracking, right down to the transaction.
Track Every Point. Know Its Worth.
Pay with Rewards
Crafted the entire redemption experience at checkout, including eligibility logic and real-time point detection. Designed a frictionless interface that made “Pay with Rewards” feel as seamless as cash or UPI.
User Discovery about quick payments
Offers
Shaped the Offers module for both app and web, enabling users to discover issuer-specific deals, earn more on transactions, and save more via extra discounts. Optimized the experience for clarity, urgency, and ease of redemption.
Partner Merchant oFFERs and brand listing
Bill Payments
Extended TWID’s ecosystem into utility payments like electricity, broadband, and mobile. Created a rewards-first experience that made bill payments not just functional but engaging and rewarding, with personalized reminders and instant redemption.
Check Out Documentation
Partner Merchant oFFERs and brand listing
India's first loyalty program on UPI
Reward POints redemption as cashback
Milestone V2 - Driving retention and revenue
Stars Reward Program
Introduced Stars as a universal loyalty currency, making rewards feel tangible and trackable. Designed the earning surfaces, tier system, and burn mechanics to keep users engaged across transactions. Ensured cross-issuer compatibility, helping unify scattered loyalty programs under one visual identity.
Milestones
Crafted the Milestones feature to guide users into forming a habit of paying with TWID. Designed multi-step checkpoints across UPI, bill payments, and merchant spends — with visual progress, instant gratification, and transparent rules. Milestones played a crucial role in onboarding activation and driving a viral product moment with record-breaking transactions.
Check Out Case Study
TWID Ecosystem - PWA Payment Page
Designed the web checkout flow that powers TWID redemption on merchant websites. This PWA appears when users choose TWID at checkout and supports logged-in rewards, guest flows, and issuer-specific offers. Optimized for speed, fallback reliability, and conversion clarity across mobile and desktop.
Ex. you can use your Cred coins to get cashback on Bookmyshow.
MIlestone v1 - Event based user activation on app
Offer construct (values may differ)
TWID Ecosystem - S2S Merchant Integrations
Enabled plug-and-play reward redemption for partners through Server-to-Server APIs. Worked on flows that allowed merchants to show reward value, trigger redemptions, and track settlement status without hosting a full UI. Designed for scale, low dependency, and easy onboarding.
Partnered with 60+ merchants and payment aggregators to deliver seamless checkout experiences using Twid, featuring brands like Swiggy, Zomato, Zepto, IRCTC, and Indian Oil.
Rewards integration suggestions of merchant app
TWID Ecosystem - System Panels
Created internal dashboards used by operations, issuers, and merchant teams. These tools allow stakeholders to configure earn/burn rules, upload reward rates, view real-time logs, and resolve edge cases like refunds and duplicate redemptions. Prioritized clarity, validation, and status visibility to reduce back-and-forth between teams.
🧾 List of System Panels
Email Report Panel – Enables teams to schedule and send automated reports to stakeholders via email.
Merchant Panel Improvements – Enhancements made to the existing merchant dashboard for better usability and control.
Invoice Template – Allows configuration of invoice layouts for merchants, including reward and settlement details.
Merchant Configuration – Used to define and manage merchant-level rules, permissions, and feature access.
Settlement Panel – Displays payout statuses, logs, and settlement breakdowns for finance and ops teams.
Rule Visualizer – Visual interface for understanding and debugging reward and redemption logic.
Milestone Panel – Controls the configuration of milestone journeys, eligibility logic, and reward triggers.
App Banner Support – Lets teams configure in-app banners for campaigns and nudges without engineering effort.
Dynamic Subtext Rules – Allows real-time customization of reward subtext messages shown on user interfaces.
Merchant Onboarding Panel – Streamlines the onboarding process for new merchant partners into the TWID system.
PWA Offer Page – A dedicated view for displaying contextual offers on the PWA checkout experience.
Booster Redemption Platform – Configures special limited-time reward boosters to drive higher user engagement.
Twid Merchant Panel – Main panel for merchants to view activity, redemptions, and configure core settings.
Reward Earn API Panel – Debugging and validation tool for testing earn configurations through API inputs.
Credit Debit – Manual adjustment panel for reward point credits or debits in special cases or exceptions.
Notification Panel – Controls for managing in-app messages, reminders, and transactional notifications.
Report Customization Platform – Offers flexible setup for generating and downloading custom reports.
Create New Issuer – Interface to onboard and configure new reward issuers into the TWID ecosystem.
What I Built: Key Modules in the
TWID Ecosystem
All Designs
TWID: A Unified Rewards Payment Ecosystem
My Role at Twid
At TWID, I design across all product verticals including the TWID App, S2S integrations, PWA payment pages, and internal system panels that improve efficiency and reduce costs.
Beyond product, I also contribute to marketing creatives and RFP collaterals for business pitch decks. My work is split with the Lead Designer and I often collaborate with tech, growth, business, and merchant teams to ensure seamless design integration and impactful outcomes.
We are a fully AI driven team constantly experimenting with ways to cut subscription costs and move faster, and almost all our graphics and visual assets are designed using AI, which makes our process leaner, while still delivering high quality and scalable design output.
In a country where loyalty points often sit idle, TWID set out to turn them into real currency. Built as a reward-powered payments layer, TWID integrates directly with banks, brands, and merchants, allowing users to earn and redeem points across millions of transactions, both online and offline.
Behind the scenes, it’s a network of issuers (like banks and brands), merchant partners (e-commerce, utility, and retail), and end users, all stitched together through TWID’s platform. This enables instant, seamless reward redemptions.
The ecosystem powers multiple touchpoints, from a sleek consumer app to deep merchant integrations, each designed to reduce friction, drive conversions, and unlock savings for everyone involved.
My
VISUAL REPRESENTATION OF TWID