Wealth management for the points you forgot you had.
The holder-side intelligence layer for loyalty points. See what you own, protect it from devaluation, and make the highest-value move before it evaporates.
kyle@upway.travel · deck.upway.travel
Loyalty became finance. The holder never got a manager.
Airlines already borrow against their loyalty ledgers. Co-brand cards are the profit engine. The most valuable asset in the system is the points ledger, yet the holder still sees scattered balances and stale portals.
Maddie, 28 · ~$5,000 in points, and she still pays cash to fly.
A real user, not a persona. Which program to transfer to? Where's the availability? Which cabin is worth it? Nothing she used could tell her, so most weeks she gave up and paid cash. She's the median holder, drowning in an asset she can't price, protect, or use:
A dozen accounts, no single view
Cards, airline miles, hotel points, partner balances, statuses, and credits, all in separate logins.
A balance is not a value
The same points can be worthless or worth thousands, and no tool tells you which.
It silently loses value
Programs devalue without notice; expirations and closing transfer windows all move against the holder.
Every tool solves one piece
Trackers show a number. Search tools find one flight. Nobody manages all of it.
Her 80,000 Chase points = $800 cashed out or ~$2,400 of flights she'd have paid cash for.
Maddie owns the currency, but nothing she uses can tell her which one she's holding.Two forces just crossed and opened a category.
Points now move like financial assets
Airlines borrow against them; issuers depend on them; program rules change faster than holders can track.
Models can finally parse hostile data
Account pages, inbox confirmations, transfer rules, and award charts are now machine-readable enough to manage.
One live statement for everything you hold.
One connection turns scattered balances into a live, real-dollar position. A balance is not a value; Upway shows the difference.
Guided one-tap execution ships next.
The feed is a commodity. The reasoning engine is the company.
We read accounts the programs keep messy on purpose
Holder-authorized access across programs built not to be portable. The hard, durable problem.
The only view of the whole position
Connected to everything you hold, Upway sees value, risk, and movement no single airline or issuer can.
Every move teaches the engine
Each valuation, alert, and executed redemption feeds back in. The advice sharpens with every holder.
Sized from the holder up, not 1% of a big number.
The estimated $215B→$400B asset class is the backdrop. 40M+ Americans and millions of Australians hold points they can't price or use; the serviceable wedge is the ~2M premium-card holders across AU + US whose points Upway can actively manage.
Same engine, new holder: point Upway at startups and teams. Business-card points and team travel, an expansion, not a pivot.
Everyone optimizes one corner. The holder's whole position is open.
General AI planners (Mindtrip, Otto, Layla) book cash trips and never read your points. Watchers show one balance; search finds one flight; the programs won't build against their own breakage. The holder's whole position stays open.
Built, not slideware.
The full connect → value → book loop runs today at app.upway.travel.
The core loop is real, not mocked:
on the early-access waitlist; investor demos in progress.
Monetize trust, not confusion.
Three stacking engines that blend to the ~2% take.
See & protect
Portfolio view, valuation, risk flags, cash-booking paths. Genuinely useful. This is distribution and trust.
Manage & act
Proactive monitoring, deeper redemption tooling, richer alerts, guided action.
Free tier is the moat; Pro is the margin. Never gate the first "what are my points worth?" moment.
Founder-market fit: one founder ships the product, one owns the market.
Kyle Fitzsimmons
Aviation-obsessed operator who built the Upway platform end-to-end.
Harry Fiske-Kealy
Owns brand, creative, social, and commercial go-to-market. The audience and revenue motion.
What PayPal did for the checkout, Upway does for travel.
Nothing today connects your cards, banks, programs, and trips, and acts on all of it. The wedge is the points manager. The prize is the layer every travel dollar routes through.
The points manager
Every program, card & credit in one holder-controlled position. Live today.
Every trip, one place
Plan, book, redeem, and manage with your people. Same engine for teams: Upway for Business.
Open Source Travel
The open infrastructure of travel: data and rails open so everything builds on it, and every trip routes through.
Raising to put a manager on the holder's side.
The sharp questions, answered.
How "open" makes money
We open what commoditizes: community data, the rails, distribution. We keep what compounds: the engine and the holder graph. Open is how every travel dollar routes through; closed is why the margin stays ours.
How we read accounts
Program-by-program ingestion with graceful fallbacks; holder-authorized and resilient to portals that change.
Consent & data posture
Holder-authorized read access only; privacy-first handling; no moving value without an explicit holder instruction. The posture of an adviser, not a money transmitter.
Three engines, stacked
Free pays for itself via booking commissions and card kickbacks; Pro (~$5/mo) is pure margin; exchange spread compounds later.
If a feed cuts us off
Feeds are commodity inputs: seats.aero or AwardWallet swap out in weeks, and direct program relationships replace them at scale. The engine and the holder relationship stay ours.
Where the first 10K holders come from
Dense and online: creators, Reddit, FlyerTalk, and the free "what are my points worth?" hook. Near-term, a loyalty MCP server puts Upway inside ChatGPT and Claude, the answer when someone asks "is this award worth it?"