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HabitCart

  • Platform

    Mobile App (Android, iOS)

  • Product Type

    Utilities/Finance

  • Country

    Canada

  • Project Type

    Saas

  • Core Technologies :

01

Overview

HabitCart is a habit-forming, rewards-based platform that blends financial wellness with the daily, frictionless delivery model. It gamifies personal finance by rewarding users for consistent actions โ€” such as paying bills, saving money, or sticking to budgets โ€” and lets them redeem those rewards for daily essentials like groceries, milk, and wellness products.

02

Key Features:

  • Bill Payments - Users pay bills or for others as well via the app.
  • Reward Points - Each payment earns "Coins", redeemable for curated offers.
  • Competitions - Users enter weekly/monthly reward competitions based on their Coins.
  • Leaderboards - Show top savers/payers by city, age group, Rank by consistency, savings streak, payment punctuality etc.
  • Streak System - Daily/monthly bill-related challenges (e.g., "Pay 3 bills in 30 days").
  • Daily Micro-Rewards - Small daily savings = daily wins (โ‚น20 off milk, โ‚น10 cashback).
  • Essentials Integration - Redeem points for home delivery of essentials
  • Social Challenges - Compete with friends or family. "Mom saved โ‚น300 more than you!"
  • Smart Finance Engine - Automate your payments and savings, get daily insights.
  • Share app and get some percentage off in delivering milk.
03

User Flow Example

  • Habit triggers - Pay a bill, round up a transaction, save a micro-amount.
  • Get rewarded - Earn Basket Points daily.
  • Spend on essentials - Use those points for offers on milk, bread, groceries.
  • Compete & Win - Climb local leaderboards. Join city-level savings races.
04

Revenue Model

  • Commission from partner brands for reward placements.
  • Featured promotions and sponsored competitions.
  • Credit report or loan services.
05

Technology Stack:

Frontend

Flutter (cross-platform for iOS and Android)

Backend

Node.js (API-driven architecture)

Payment Integration

Stripe

06

Challenges

  • Daily delivery needs accuracy
07

Future roadmap

  • Go national and bridge online finance with offline essentials.
  • Expand to Tier 2/3 cities with local delivery agents.
  • Offline partner tie-ups: use Basket Points in physical stores.
  • Utility & rent payment support.
  • Add wellness bundles (e.g., "Healthy Basket of the Month").
08

Testimonials

โ€œI paid a bill and got free eggs next morning. Thatโ€™s smart, not just fun.โ€

โ€œItโ€™s like a money-saving game where groceries are your prize.โ€

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