UPWAY

$150 Billion in loyalty points.

Wasted.

We fix that.

✈ The Plaid for Points
0
Rewards cardholders
Value multiplier
0
Personalized tools
Kyle Fitzsimmons · Founder & CEO · kyle@consolia.io
March 2026 · Pre-Seed
The Problem
0.8¢

Average redemption value per point

$400
Gift card redemption
$1,800
Business class seat
Same 40,000 points. Same card. 5x the value.
Cash back (0.8¢)Upway optimized (4.2¢)
0
Americans with rewards cards
0
Idle points value
0
Personalized tools that exist
Try It

Search. Find. Book.

upway.ai/search
● LIVE
Scanning 0 airline programs...
SFO → NRT · Business Class
United Polaris · 777-300ER · Lie-flat suite with door
$4,200 cash
40,000 pts
You save $2,340
Lie-flat bed
Suite door
Polaris lounge
5.85¢/pt
SFO → HND · Business Class
ANA · 787-9 · "The Room" staggered suite
$5,100 cash
55,000 pts
You save $3,560
The Room suite
Direct aisle
6.47¢/pt
Booked.
$0
saved vs. paying cash
Chase UR → United MileagePlus0%
The Product

Three pillars. One intelligence layer.

LIVE CONVERSATION

11 Specialized Tools

Portfolio analysis, transfer optimization, upgrade probability, live availability, hard product scoring — all in one conversation.

Zero Hallucination

Every recommendation verified against live data. No claims without a source. Trust is the product.

99.2% grounding accuracy

Plain English

"Your Chase points" not "UR balance." "Lie-flat bed" not "J-class." Zero jargon, zero learning curve.

LIVE FEED

Proactive Alerts

Deals, devaluations, transfer bonuses — personalized to YOUR portfolio. The value finds you.

Devaluation Warnings

Know before programs change their charts. Transfer your points while they're still worth more.

Transfer Bonuses

Amex, Chase, and Citi run 30-40% transfer bonuses. We surface them instantly so you never miss one.

YOUR PORTFOLIO

Total Portfolio Value

See the real dollar value of every point across all your cards and programs. Updated in real-time.

Hidden Card Benefits

Trip delay insurance, purchase protection, lounge access — benefits you're paying for but not using.

Optimization Score

How well you're using your portfolio. Gamified progress toward unlocking your full potential.

72% optimized · $1,980 left to unlock
Market

Massive. Underserved.

TAM
$0
Global loyalty market
SAM
$0
US rewards holders
SOM (YR 3)
$0
Target ARR
YR 5
$0
With B2B licensing
0
Primary target users
0
Power users
Value multiplier
Revenue

Four engines. Compounding.

💰
SaaS Subscriptions
$9/mo Simple · $25/mo Pro
$180-450
LTV
💳
Card Affiliate
Credit card referral commissions
$150-250
per card
Transaction Fee
% at checkout on Upway bookings
ceiling
ROADMAP
🏦
B2B Licensing
White-label for banks & issuers
10×
multiplier
18+ MO

Unit Economics

CAC<$30
LTV (blended)$315
LTV/CAC10.5x
Gross Margin75-80%

The Endgame

When Upway handles the full booking flow, every transaction generates revenue. Not just subscriptions — a percentage of every dollar saved. That's the transaction fee dream.

The Moat

Proprietary data. Compounding daily.

Agentic AI Engine

Claude + 11 tools. Autonomous multi-step reasoning across portfolio, availability, transfers, and cabin quality.

Knowledge Graph

Airlines, aircraft, loyalty rules, transfer maps, cabin configs, card benefits. Structured data LLMs can't learn from the internet.

Shadow GDS

Chrome extension captures award availability passively. Building toward real-time global award inventory index.

Award Predictor

"Don't book now. Our data shows 85% probability seats drop Tuesday." Predictive intelligence no one else can build.

Phase 3 · needs 6+ months data
1
Users search
with extension
2
Data flows to
Shadow GDS
3
AI finds
better deals
4
More users
join Upway
Competition

They serve publishers. We serve people.

PlayerModelFatal FlawResult
The Points GuyAd mediaConflict of interestRecommends highest-paying cards
NerdWalletComparisonNot award-travel focusedOptimizes sign-ups, not usage
AwardLogicManual searchRequires expertise80% of users can't use it
Card IssuersProprietarySingle ecosystemWill never cross-optimize
ChatGPTGeneral AINo live dataFabricates flights
UpwayIntelligence layerNONEPersonalized. Grounded. Trusted.
Go-to-Market

The content sells itself.

Show someone their 40K points are worth $1,800 instead of $400. They tell everyone.

Organic Content

TikTok / YouTube / SEO. Real "before & after" optimizations. Every video is a product demo.

CAC < $30

Creator Partnerships

Travel creators demo Upway with their real portfolios. Authentic. Verifiable. Shareable.

VIRAL LOOP

Chrome Extension

Free tool. Passively captures data. Seeds the flywheel. Converts to paid.

DATA MOAT
Roadmap

MVP → PMF → Infrastructure

Now
MVP
AI adviser. Portfolio tracking. 3 airlines. 100 beta users.
BUILDING
Q2 2026
PMF
500 users. <5% churn. Chrome extension. Full coverage.
NEXT
Q4 2026
Prediction
Award trend predictor. "Seats drop Tuesday." Alert engine.
DATA MOAT
2027
Full Stack
Automated booking. Transaction fees. B2B bank licensing.
SCALE
PMF SIGNAL
500 users
<5% churn
SEED TRIGGER
1,000 users
Engagement metrics
SERIES A
$1M ARR
5,000+ subscribers
Why Now

18-month window.

AI is ready

LLMs can now reason over structured domain data and produce grounded, cited outputs. This wasn't possible 18 months ago.

Points are exploding

Sign-up bonuses at all-time highs. More points in circulation than ever. The problem grows faster than solutions.

Incumbents are slow

Amex, Chase, NerdWallet — all building AI on legacy systems with inherent conflicts of interest. We move 100x faster.

Banks need us

Card issuers need better "burn" tools to manage $150B in liability. Upway becomes their white-label intelligence layer. 10x revenue multiplier.

The Ask

Raising $2–4M seed.

Use of Funds

  • 50%
    Engineering
  • 25%
    Data & Compliance
  • 15%
    Marketing
  • 10%
    Operations

Founder

Kyle Fitzsimmons

Solo technical founder. Full-stack engineer. Building MVP end-to-end with AI-assisted development.

Seeking: Business/partnerships co-founder

kyle@consolia.io

Let's build the Plaid for Points.

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