The Opportunity with
Transaction Enrichment
Raw transaction feeds are noisy, inconsistent, and lack context. Merchants are often unrecognizable, purchases are undifferentiated, and critical value signals like rewards or offers used are missing.
What Enrichment Can Unlock?
- Understand merchant identity, type, and vertical
- Track whether the user earned or missed rewards
- Detect patterns and recommend smarter actions
- Build context for LLMs, agents, and embedded AI
The Rewards Intelligence Layer for Transactions AI
Uthrive adds deep intelligence to your transaction data with enrichment tailored for rewards optimization and financial AI.
Normalized Merchant ID & Category
Pinpoint where and what was purchased
Earned/Missed Rewards Tags
Show rewards captured or lost with card-level insight
Spend Pattern Structuring
Enable personalized insights over time
Designed for AI-Driven Experiences
Structured JSON for real-time use in agents or chatbots
Transform dumb data into decision-ready intelligence.
Enrichment enables smarter, more valuable user experiences and downstream modeling:
- Power real-time feedback loops for AI agents
- Unlock personalized advice and targeted nudges
- Improve segmentation, personalization, and engagement
- Boost perceived product intelligence and loyalty
How It Works
Build With Better Spend Data
SEND Raw Transactions
to Uthrive API
Via batch or streaming endpoint
Get Back Structured Insights
Merchant, category, earned/missed rewards, tags
Apply in UX or Models
Use enriched data to power your frontend or feed downstream engines
Purpose-built for the rewards layer.
Unlike general-purpose enrichers, Uthrive adds precision for credit card rewards, enabling:
Granular
card-level reward
intelligence
AI-compatible data
for agents and
personalization engines
Coverage across
merchants, categories,
and card network
Low-latency
performance with high
enrichment quality
