Kipp

We invented the interaction model for a 200ms decision window that didn't exist before — and turned it into a platform that recovers 35% of declined transactions.

Hero visual

35%+

transaction save rate — proven with Isracard, Israel's largest card issuer

45.1%

recovery for retail, 41.7% for entertainment merchants

200

<ms end-to-end — completely invisible to cardholders

$210M+

projected annual revenue by Year 5

The Tension

Every year, $800B in card transactions are declined. Most of them are legitimate purchases. The cardholder has money. The merchant wants to sell. The issuer wants to approve. But there's no infrastructure for these three parties to talk to each other in the 200 milliseconds between swipe and decision. The result: everyone loses.

The Insight

This wasn't a payments problem — it was an interaction design problem. No one had ever designed the experience of real-time financial negotiation between competing stakeholders. Every rule engine, every data visualization, every trust signal had to be invented from first principles.

Research & strategy

Exploration & iterations

The Strategic Move

We defined the entire product category. From blank canvas to working platform, we created the brand identity, the product architecture, the decision interfaces for both sides of the transaction, and the investor narrative that secured FIS and Mastercard partnerships. The positioning evolved twice as the market validated our thesis — each rebrand reflecting a deeper understanding of where the product lived in the payments ecosystem.

Experience Equation

who

Financial operations teams at card issuers and payment managers at merchants

goal

Recover declined transactions, increase authorization rates, protect top-of-wallet positioning

means

Real-time decision platform operating within the card authorization flow

context

Sub-200ms financial transaction environment where competing stakeholders must reach consensus before the cardholder notices any delay

Root Cause

No infrastructure existed for real-time issuer-merchant collaboration during the authorization moment

Final product

Detail

What Made This Hard

Inventing a category — no market reference existed for real-time payment negotiation between issuers and merchants

Designing for a 200ms decision window where the entire risk assessment, data sharing, and approval must complete invisibly

Building trust architecture for financial institutions — the experience had to communicate security and innovation simultaneously

Aligning the brand across two opposing audiences: conservative banking institutions and tech-forward merchant platforms

What Changed

Platform adopted by Isracard (4M+ cards) with measurable revenue recovery

Trusted by Sony PlayStation, Kiwi.com, and global merchants across verticals

Strategic partnerships with FIS and Mastercard secured on the strength of the product vision

5+ year engagement — from founding through two rebrand cycles and international expansion

Capabilities

Zero-to-one product definitionFintech platform designBrand strategy & visual identityInvestor narrative & pitch designMulti-stakeholder system designData visualization & decision interfaces

Facing a similar tension?

Every complex product has a misalignment hiding beneath the surface. Let's find yours.

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