☰

RETHINK YOUR INFRASTRUCTURE

Your Platform Is Operated by Your Competitor. Now What?

Move to the only independent platform at scale administering millions of accounts. Own the brand, the experience, and the economics, across accounts, cards, investments, claims, and eligible shopping.

Move to the Independent Platform Explore the Platform
Millionsof accounts administered
Your brandend to end, not white-labeled
One APIaccounts, cards, investing, commerce
YOUR BRAND LIVE
HEALTH WALLET

Good afternoon, Taylor

3 accounts
Primary productHSA / FSA / HRA Wallet

Spending, saving, and reimbursing in one member experience.

CDH
TOTAL AVAILABLE$7,640HSA, FSA, and HRA on one card
AccountsPowered by Lynx
H
Health SavingsInvestable · +4.6% YTD
$4,820
F
Flexible SpendingHealthcare
$1,240
R
ReimbursementHRA
$1,580
LYNX APIPOST
/transactions/authorize 
{
  "account": "hsa_4821",
  "merchant": "CVS Pharmacy #1187",
  "amount": 42.10
}
RESPONSEApproved · Health Savings
200
REAL-TIME DATAACCESSIBLE NOW
RetailerCVS Pharmacy #1187
Amount$42.10
MCC5912
AccountHealth Savings
StatusApproved
SettledToday
APIrulesmember experience
ONE INTEGRATIONAccounts · cards · payments · commerce
Claim approved: $120.00 → HRA

Why move now

Take Back Control of Your Experience, Roadmap, and Economics

On the surface, customers may still see your name and logo. But if the platform underneath is operated by a competitor, it's time to reassess who controls the experience, roadmap, and economics.

DIFFERENTIATION

Stop selling the same platform

When every administrator runs on the same underlying platform, finalist meetings become a services comparison instead of a product advantage.

CONTROL

Decide what ships next

Configure the member experience and launch SKU-restricted LSAs, ICHRA, pharmacy wallets, and multi-purse cards, without waiting on a competitor-owned roadmap.

ECONOMICS

Keep more of the value stack

Administration is only one layer. Card, deposit, investment, and e-commerce economics can become part of your business model instead of someone else's.

The proof problem

Four Administrators. One Identical App

A national health plan, a regional TPA, a large bank, and a regional bank administrator can all sit on the same underlying CDH platform: the same layout, the same menu, the same "I Want To" list, with a different logo stitched on top.

Today: rebadged, not rebuilt

Swap the logo and the product underneath does not change. Members can tell, and so can the broker sitting across the table at renewal.

National Health Plan
My Accounts$3,000.00
Reimburse Myself›
Manage Expenses›
View HSA Investments›
TPA
My Accounts$3,000.00
File A Claim›
Manage Expenses›
View HSA Investments›
Large Bank
My Accounts$2,500.00
Make HSA Transaction›
Manage Expenses›
Scan Item for Eligibility›
Regional Bank
My Accounts$2,500.00
Manage Expenses›
Scan Item for Eligibility›
View and Upload Receipts›

An illustration of the pattern, not a screenshot: the menu order and account structure repeat almost verbatim across administrators on the same backend.

With Lynx: it comes home

One app for the balance, the OTC purchase, and the investment account. Try it, this one actually moves.

YOUR BRAND● LIVE
Powered by Lynx
H
HSA
$3,140.00
F
FSA
$430.00
C
Commerce & SKU controls
Native
SHOP OTCSKU eligible
Allergy relief, 24ct$12.99 · HSA eligible
First aid kit$18.49 · HSA eligible
INVESTMENTSHSA
Stocks 56%
Bonds 22%
ETFs 22%

Balances above the HSA threshold invest automatically. Members manage it without leaving the app.

One login, one brand, one app
No employer-channel conflict
Investments, commerce, and GLP-1 wallets are yours to build

The differentiator isn't the account. It's who the member thinks they're banking with.

Not just a mobile card

The Full Portal Comes Home Too

The same APIs that power the wallet in your app power a complete web portal: balances, investments, SKU-level shopping, and support, all under your brand.

accounts.yourbrand.com
YOUR BRANDHomeAccountsShopInvestmentsSupport
HSA account$1,810.00
LSA account$1,000.00
Order #00324On the way
Shop eligible items
Submit a claim
Manage investments
One-time contribution
Stocks 56%
Bonds 22%
ETFs 22%

The alternative

Two Ways to Run Your Platform

Lynx is the real alternative: the only scaled independent platform that lets you own the customer experience while we power the regulated infrastructure underneath.

Competitor-owned legacy platform

Keep Renting the Stack

You may keep the logo on the surface, but the platform underneath, the economics, and the strategic leverage belong to your competitor.

BrandWhite-labeled
ExperienceConfigurable within the platform
RoadmapShared across the vendor's book
EconomicsDefined by vendor contracts
ExpansionAdd products as the platform supports them
VS
Lynx independent infrastructure

Move to Independence

Use Lynx as the independent financial and benefits infrastructure underneath the differentiated business you actually want to build.

BrandYour brand, end to end
ExperienceFull API control or custom app
RoadmapConfigure new wallets, rules, and workflows
EconomicsParticipate across more of the value chain
ExpansionCDH + payments + pharmacy + commerce + more

Explore what you can build with Lynx

One Infrastructure Layer. Far More Than Account Administration

Banking and ledgering, advanced payment processing, e-commerce, and investments, delivered through APIs or a turnkey white-label experience.

Lynx underneath. You in front.

One Integration. Unlimited Product Configurations

Launch standard accounts out of the box, then differentiate with granular benefit designs, new spending programs, and embedded experiences.

API-first when you want control. Turnkey custom app when you want speed.
Accounts + ledger

HSA, FSA, HRA, LSA, ICHRA, and configurable plan-funded accounts on a common infrastructure layer.

Cards + payments

Physical and virtual cards, multi-account wallets, ACH, reimbursements, and real-time authorization.

SKU-level controls

Control spend by merchant category, merchant, and product SKU, not only broad category rules.

Investments

Embed investment functionality directly into the account experience instead of sending members elsewhere.

E-commerce

Build an owned marketplace with integrated eligibility, payments, and fulfillment.

Next-gen benefits

Extend the same infrastructure into pharmacy, rewards, supplemental benefits, and personalized wallets.

Choose how you work with Lynx

API-First or Custom App. Not a Choice Between Control and Speed

Use the same Lynx infrastructure whether you want to deeply embed capabilities into your existing experience or launch a turnkey branded platform.

Make your app the benefits experience

Bring balances, claims, transactions, investments, cards, and commerce into your existing portal or mobile app.

  • Own navigation, UX, and data presentation
  • No redirect-first product strategy
  • Add capabilities over time through the same API layer

Build products your competitors cannot copy overnight

Configure funding, restricted spend, and new benefit designs around your clients instead of waiting for a shared platform roadmap.

  • SKU-level wallets
  • Multi-purse cards
  • Pharmacy and specialty benefit programs

Your brand. Lynx builds the experience

Launch a modern web and mobile experience without staffing an internal consumer product team.

  • Branded mobile + web experiences
  • End-to-end design, build, and maintenance
  • Program operations and optional service support

Turnkey does not mean generic

The same underlying platform can support differentiated plan designs, card controls, commerce, and investment experiences by partner.

  • Client-specific configurations
  • Modular product expansion
  • One underlying infrastructure layer

Start without a big-bang conversion

Launch Lynx for a new product, employer cohort, or account type while the existing book remains in place.

  • Prove operations and member experience
  • Create a reference client
  • Move cohorts on your timetable

Then consolidate

As contracts renew, migrate additional populations until the old dependency becomes optional rather than permanent.

  • Parallel operations during transition
  • Phased card reissuance
  • Controlled communications and cutover

A practical replacement path

Here Is What to Do Next

Create leverage immediately, prove Lynx with a wedge, and migrate the broader book at the pace that makes sense for your business.

LAND

Lead with a new need

Start with net-new HSA/FSA business, a differentiated LSA, ICHRA, commerce, or another client need where you want more control.

PROVE

Run in parallel

Operate Lynx alongside the existing platform and give sales a differentiated story before forcing an enterprise-wide conversion.

EXPAND

Take back the book

Migrate accounts and employers by cohort or renewal until the infrastructure, experience, and economics are back under your control.

Ready to Own Your Platform?

Move to the only independent platform at scale administering millions of accounts.

Move Now →