Good UI, creation. a bit naive on the ability to deliver.

Aggregation, social, alerts Uses yodelee API Get wow points when spent points or give points

reward point sharing amongst friends

Yodlee aggregates data from multiple loyalty apps. you can buy different rewards from friends based on cloud points

structured approach to the problem.

Nice idea well presented and clearly articulated to customer need, not so much to bank/institutional need. Sharing is a nice feature.