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2021
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Lever is a smart digital wallet platform built to help users get the most out of the cards in their pocket. It automatically recommends the best credit card to use at checkout, based on individual rewards goals, spending habits, and real-time offers. The result? Less decision fatigue, more savings, and a better way to shop.
We partnered with Lever’s founder, an ex-McKinsey & Company associate, at a pivotal stage. The concept was clear: simplify a complex financial problem and turn it into a delightful checkout experience for Gen Z and young professionals. Our goal was to build a tool that could match the idea's level of refinement with seamless execution across web and browser.
Industry
Fintech
Capabilities
Web App Development
Chrome Extension Development
Timeline
2021
Region
United States
The Lever team validated an innovative idea: a smart wallet that automatically picks the best credit card at checkout. They knew the market was ready, but turning that vision into a reliable, secure product required a partner with full-stack expertise. They reached out to GoGrow because they needed deep technical insight and rapid execution to transform their concept into an operational tool. Alongside their team, we took on the following challenges:
Aggregating data meant capturing every credit card reward program and keeping it constantly updated. This challenge was about transforming a massive, fragmented dataset into a coherent, actionable resource.
The next task was building a logic system that could analyze user-specific goals and transaction contexts to decide the best card, instantly and accurately.
Finally, creating a Chrome extension that would detect checkout events on diverse ecommerce sites presented unique challenges in terms of performance, reliability, and maintaining user privacy.
Sign Up
Rank your reward goals
Online shopping
Meet us at the checkout page
Maximize rewards and save money
SWIPE
We started small, then scaled fast. The first phase was all about prototyping the browser behavior: detecting when users were at checkout, analyzing cart context, and triggering the extension UI. Once that behavior was reliable, we layered on the algorithm, the card ranking system, and finally, the secure data layer that would allow for autofill without storing sensitive information. The backend team built a PCI-compliant credit card vault and created scraping bots to keep Lever’s database of rewards up to date. On the frontend, we designed a lean dashboard where users could manage preferences and fine-tune their goals. Throughout the process, we tested on dozens of ecommerce platforms to ensure a smooth, reliable experience.
We architected the backend to support a national rewards database, leveraging automated scraping and normalization techniques. By designing a system that continuously updated reward data, we laid the foundation for a reliable recommendation engine that could function in real time.
We built a custom algorithm to match user goals, points, cash back, or travel, with the best card in real time. After rounds of testing and fine-tuning, the engine delivered accurate, personalized recommendations at checkout.
We built a lightweight extension that could detect checkout processes on over a million websites. Extensive compatibility testing and performance tuning allowed the extension to deliver card recommendations instantly, while maintaining strict adherence to privacy standards. This ensured that every interaction felt natural and immediate without compromising security.
We utilized modern technologies to ensure a smooth and high-performing application:
Ruby on Rails
React
Heroku
SWIPE
The web app allows users to upload, manage, and prioritize their credit cards based on personal goals, like maximizing cash back or travel points. It also powers the backend logic behind the extension, securely storing encrypted card data through a PCI-compliant system. Users can customize their experience, edit their preferences, and fine-tune how rewards are ranked, all from a clean, intuitive dashboard.
We developed a lightweight Chrome extension that activates at checkout on more than 1M websites. It automatically ranks and recommends the best credit card in your wallet based on your shopping preferences, right when you need it. The extension is smart, fast, and frictionless, offering a native browser experience that makes rewards optimization effortless.
To support product growth and user acquisition, we launched a sleek landing page that clearly explains Lever’s benefits, how it works, and why it’s a must-have tool for smarter shopping. The page includes trust-building elements like supported retailers and banks, as well as simple onboarding flows that drive extension downloads.
"It is a difficult task and GoGrow does a good job doing the research before building and understanding the challenges ahead. They do a great job explaining each situation and how to address them."
“I am always impressed with GoGrow's deep research and problem-solving skills.“
Amir Vardi
Founder, Lever
Ex McKinsey & Company
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