How we make money
"Free cashback" deserves a real answer to "so how do you get paid?" — here it is, itemized, because a member who understands the model trusts the wallet more, not less.
Brand pays → we split → you keep most
Every category — shopping, travel, subscriptions, crypto, prop firms, forex — runs this exact structure. The only thing that changes is the size of the commission pool.
What we never do
The revenue tricks common in the rewards industry, and our position on each — on the record.
No selling personal data
Your purchase and trading history exists to credit your wallet, full stop. It is not a product, not 'shared with marketing partners', not anonymized-and-sold. The commission model pays enough that we don't need a second business model behind your back.
No price markups
You check out on the brand's own site at the brand's own prices. We physically can't touch the price — the tap-through opens the same store everyone else sees.
No expiring balances
Expiry is how points programs monetize forgetfulness (20–30% of points die unredeemed). A confirmed balance here is a liability we owe you until you withdraw it. It doesn't rot.
No float games
We don't set high payout minimums to trap balances, and withdrawal friction is fee-honesty, not a retention strategy. Members who withdraw often and keep earning are our best members.
No pay-to-rank without a label
If a brand ever pays for placement, it's labeled as featured/sponsored. Rate tables are sorted by the numbers, and the numbers are the ones your wallet gets paid.
Why the incentives line up
The model only compounds if you keep using the wallet — which means every design decision gets graded on one question: does this make members trust the balance more?
You earn more → we earn more
Our revenue is a fixed thin share of a flow you control. The only way our number grows is if your number grows first — more categories, better rates, bigger volume tiers.
Scale buys better rates for you
As platform volume hits partner tiers, commission terms improve — and improved terms fund higher member rates. Growth is passed through, not pocketed.
Trust is the whole balance sheet
A cashback platform is a promise to pay later. We've honored that promise for years across millions of dollars of payouts — that track record is worth more than any single quarter's margin.
The questions people actually ask
If most of the commission goes to members, how is this a business?+
Volume and retention. Our slice per transaction is thin, but members route more categories through one wallet over time — shopping, travel, subscriptions, trading. A thin slice of a growing, recurring flow beats a fat slice of one-off transactions. That's also why every incentive we have points at keeping your trust.
Does the commission model bias which brands you show?+
The rate table is the honesty mechanism: we publish what you get per store and per broker, so a lower-commission brand that's better for you is visible right next to the higher one. Featured placements, when they exist, are labeled. And guides are edited to the standard that a reader who never clicks a link still got the truth.
Trading commissions are the biggest — does that make you a forex site?+
Trading is our highest-paying category and we're open about that — introducing-broker economics dwarf retail affiliate rates. But the platform is the wallet, not any one category: shopping, travel and subscriptions are where most members start, and trading is there for the members it fits, with honest risk framing on every trading page.
What do you earn when cashback is 'up to 80%'?+
The remaining share of the introducing commission after your rebate, plus the equivalent slices in other categories. The exact split varies by partner and volume tier — bigger platform volume gets better partner terms, which is how rates improve over time without our slice growing.
How rates and reviews stay honest is documented separately in our editorial standards. If you run a brand and want in on the model, see UTSPlus for business.
Now that you know how it works
Join free. The model above starts paying you on the next thing you were going to buy anyway.