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For card-issuing fintechs with 3,000+ signups a month

Turn more signups into spenders with a best-in-class journey in 7 days

We go through every step from signup to first purchase, find where new users stall and why, and hand you every fix to get them past it

Anton Totomanov
“I’ve spent years paying users to show up - bonuses alone never build a habit.”
Anton Totomanov, founder. Co-founded Objective Labs, a risk firm for top DeFi lenders
$5M+
in rewards programs I've run

If you're tired of paying for users who never spend

  • Staring at new accounts with zero card purchases
  • Watching bonus hunters grab the cash and disappear
  • Waiting weeks on data and engineering to get one campaign live
  • Running lifecycle with a team of one, or nobody at all
  • Sending campaigns with no idea if they made you a single dollar

Which sends your CAC way past what you planned

If it costs you $60 to get people to sign up but only 1 in 5 of them ever makes a purchase, then you're really paying $300 just for the chance to make your money back

CAC payback turns into a years-long grind

And you've already tried the usual things

Give them another bonus

But most people do just enough to get paid and stop. So you pay them again - that gets expensive pretty quickly

Set up a welcome series

But it sends the same day-3 email whether someone's already spent or hasn't even opened the app since signing up

Buy a better messaging tool

But even with all its AI, someone still has to find where users get stuck, set it all up and check that it works

It's because getting them to sign up was only half the job

The other half is getting them to actually spend - and every new user gets stuck at a different step, for a different reason

You have to find that step and make it stupidly easy to take - and if you're reading this, that is probably nobody's job right now

7-Day Activation Blueprint

Give me 7 days and I'll hand you a step-by-step plan to get your new users spending

We go through every step from signup to first purchase and hand you the plan to fix it. If it isn't worth it, you get every dollar back

  • A full teardown of your activation journey. Every path from signup to first purchase, including the ones that break, and exactly why people give up
  • Every fix to make your journey best-in-class. Biggest wins first, with draft copy and mockups ready to hand to your team
  • A living, editable plan. Your team edits it and ticks off fixes, and your AI agents work straight from it
  • A walkthrough with Anton. One call with your team to go through everything, then 30 days to ask me anything

Want it done for you? We'll build and run every fix in a 6-week sprint, and your $2,500 counts toward it

Founding price for our first 5 blueprints

Usually $3,500Now $2,500

Pays for itself with just 9 more spenders

Book a call with Anton

Not ready yet? Get your free activation audit

Our guarantees

Pay $0 if it isn't worth it

If you don't get at least $2,500 of value, tell us why within 14 days and we'll refund you in full

Ready in 7 days, or it's free

If your blueprint isn't in your hands within 7 days of starting, you get every dollar back

Takes 2 hours of your time

A few exports, a test account and one person to answer our questions. We do everything else

Here's a peek inside a blueprint

Penny is a made-up card app with very real problems - see where its users usually get stuck, and a few ways to get them moving again

  1. Step 1: Approval

    • Abandoned ID check

      They got interrupted, and nothing brought them back

      Why it works: It tells them exactly what's left and takes them straight there

  2. Step 2: First deposit

  3. Step 3: Card in wallet

  4. Step 4: First purchase

  5. Step 5: Second purchase

  6. Step 6: Direct deposit

Your users are stuck somewhere too.

Get your blueprint

The other ways to figure this out

  • Keep guessingCost: $0Time to a plan: Never

    Main risk: You keep paying $300 for every customer who spends

  • Ask your teamCost: PayrollTime to a plan: 4+ wks

    Main risk: They can't see what they're used to

  • Hire a lifecycle marketerCost: $10-15k/moTime to a plan: 2-3 mo

    Main risk: They join the same queue for data and engineers

  • Hire an agencyCost: Up to $18kTime to a plan: 4-6 wks

    Main risk: You pay them to learn fintech

  • Our 7-Day Activation BlueprintCost: $2,500Time to a plan: 7 days

    Main risk: None: worth it, or every dollar back

You probably have a few questions

No. AI helps us dig through your data faster, but I check every finding against your app and your numbers myself. Each one shows where we found it - a screen, a number or something your users said. If we can’t back it up, it’s not in your blueprint.

Let’s see where your users are getting stuck

Show me your app and where you think new users get stuck. I’ll show you where I’d look first, and we’ll decide together whether a blueprint makes sense for you

Book a call with Anton