Partner Integration Specification

Candescent Marketplace — Refer a Friend

1. Partner Overview

Field	Details
Partner Contact	hello@nuevesolutions.com
Product Status	Generally Available — live across multiple financial institutions
Interested Institutions	Old National Bank, Bluepeak Credit Union, Bay Federal Credit Union

About the Product Refer a Friend is a fully automated referral program that helps financial institutions grow membership by turning existing account holders into advocates. Inviters share a personal referral link or code through email, text, or social media. When an acceptor joins and completes the qualifying activity, the system automatically tracks their progress and distributes rewards to both parties — no manual follow-up or staff involvement required.

2. User Journey

Who starts the flow? The inviter, after logging into Candescent digital banking. Step-by-step experience:

Member logs in and sees the Refer a Friend widget on their dashboard
They view the offer details and how many referrals they’ve made so far
They share their personal referral code via email, SMS, or social media
The acceptor signs up and enters the referral code at their first login
Both parties track progress inside digital banking as eligibility criteria are completed
Rewards are automatically distributed once all conditions are met — no action required from staff

What happens when something goes wrong:

If a referral code is invalid or already used, the member sees a clear message explaining why and how to proceed
If a reward cannot be processed right away, the system retries automatically each day and flags it for admin review
If the campaign or submission window has closed, the member sees an appropriate message
No reward is ever issued until all qualifying criteria are fully confirmed

3. Integration Overview

How it fits into Candescent The program is delivered as an embedded widget inside the Candescent digital banking experience. Members never leave the app. On mobile, it integrates with the native share sheet for seamless referral sharing. What data the integration uses:

Data	Purpose
Member identity	Identify who is sharing or submitting a referral code
Linked accounts	Verify the acceptor has the right account type
Account activity	Confirm qualifying transactions (direct deposits, debit purchases)
FI terms & conditions	Display program rules before the acceptor submits their code

How data flows: Member-initiated actions (submitting a code, sharing, checking status) are handled in real time. Eligibility checks and reward processing run on a scheduled daily basis.

4. Authentication & Access

Question	Answer
How members are authenticated	The widget runs inside the member’s existing Candescent session — no separate login required
Single Sign-On (SSO)	Not required
Per-user setup	Not required — the FI configures the campaign once, and all eligible members can participate automatically
Session management	Fully managed by Candescent — the widget respects the existing session timeout and re-authentication flow

5. UI & Experience

Question	Answer
Where it appears	Embedded inside Candescent digital banking — available as a sidebar widget, dashboard card, full landing page, or smart ad placement
Mobile support	Yes — native share sheet for referral sharing on mobile
Branding	Fully themed to the FI’s Candescent design system
Terms acceptance	The acceptor must accept the FI’s program terms before submitting a referral code
Engagement features	Referral count, progress tracker, and milestone badges to keep members engaged
Audit logging	All member actions are logged with user ID, action type, and timestamp for compliance
Data residency	Data is stored within Candescent’s database infrastructure
Marketplace availability	Open listing — available to all Candescent financial institution partners

6. Onboarding Requirements

FI-level setup is required before the program goes live. This involves:

Choosing the campaign type (member referral or FI-sponsored promotion)
Setting qualifying activity rules (e.g., direct deposit amount, number of debit purchases)
Configuring reward amounts for the inviter and/or acceptor
Customizing messaging and program disclosures for the institution
Designating the account from which rewards will be paid

No per-member setup is needed. Once the campaign is configured, all eligible members can participate immediately.

​Candescent Marketplace — Refer a Friend

​1. Partner Overview

​2. User Journey

​3. Integration Overview

​4. Authentication & Access

​5. UI & Experience

​6. Onboarding Requirements