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The credit loop

How Masterhub Wallet works.

One credit system for employee benefits, recognition, and knowledge sharing. Buy credits, allocate them, employees spend them. That's it.

Most companies manage employee benefits through a tangle of vendor portals, PDF documents, and separate invoices. Masterhub Wallet replaces all of that with one credit-based system. Your company buys a bundle of company credits with a single invoice. You allocate those credits to employees — monthly, one-off, or by rule. Every employee sees their balance and spends it in the Wallet Marketplace, sends credits to colleagues as recognition, or supports internal knowledge creators. One system. One place. Every employee benefit use case covered.

The credit loop

Four steps, ten seconds.

A process your whole team understands before you've finished explaining it.

🪙1
Order credits
Your company purchases a credit bundle — one invoice, one amount.
📤2
Allocate
Set rules for who gets credits, how much, and how often.
🛒3
Employees use
Every employee has a visible Wallet balance. Spend, send, or support creators.
📊4
You see impact
Real-time dashboard shows utilization, engagement, and what your team values.
Read the full breakdown ↓
1
Step one

Order your company credit bundle.

You choose how many credits your company needs. We send one invoice. No subscription. No per-employee monthly fee. No platform charge on top.

Credits are priced in ₵ — one unit of value for your employees to spend. You decide the bundle size based on your team: monthly benefit drops, spot awards, onboarding welcome packs, or a mix of all three.

  • No subscription and no per-employee monthly fee
  • One invoice per credit bundle — Finance stays happy
  • Unused credits don't expire — they roll over
  • Top up any time with a new bundle

"Replace 100 invoices with one." One credit bundle. One invoice. Every employee benefit use case covered.

See bundle sizes →
Masterhub Wallet — credit bundle allocation, Arvella sent Masterhub credits to John Mick
Masterhub Wallet — employee credit balance and active subscriptions
2
Step two

Set your allocation rules.

As an admin, you decide how credits flow to your team. Once the rule is set, it runs automatically. Credits appear in each employee's Wallet on the schedule you chose. You don't touch it again unless you want to change something.

📅
Automatic recurring drops
Monthly credits land in every Wallet without manual work each month.
👥
Allocate by team or individual
Different amounts for different teams, or the same for everyone. Your rules, your logic.
⚡
One-off sends in minutes
Spot award, onboarding pack, milestone bonus. Send immediately or schedule ahead.
See allocation in action →
3
Step three

Employees open their Wallet.

Every employee gets their own Wallet — a visible credit balance that shows exactly what they have and what's been added.

"When employees can see a balance, they use it. When benefits are invisible — buried in a PDF or scattered across vendor portals — they get ignored. The balance is the product."

From their Wallet, employees can:

  • Browse the Marketplace and spend credits on what they actually want
  • Send credits to a colleague as a thank-you or recognition
  • Support an internal creator who posts useful knowledge

No separate logins. No PDF benefits document. No HR reminder emails. One Wallet. Everything in one place.

Masterhub Wallet employee app — available credit balance and incoming allocation
Masterhub Wallet — active subscriptions and peer recognition activity
4
Step four

You see exactly what's working.

Most benefit spend is invisible. You pay for Multisport. Some people use it. Some don't. You have no idea. You just keep paying.

Masterhub Wallet shows you what your team actually values. The admin dashboard gives you:

📈
Credit utilization by employee, team, or company-wide
🛒
Most-used Marketplace categories — what people are actually choosing
📤
Allocation history — what went out, when, and to whom
☕
Kudos activity — who's recognizing who and how often
Order credits →
Where employees spend

The Marketplace — what employees can spend on.

The Wallet Marketplace is where employees spend their credits. Built to be genuinely useful — not a list of obscure vendors nobody's heard of. Employees choose from subscriptions and items. Start lean. Expand as your team grows.

Explore the Marketplace →
🏥
Healthcare
₵ Credits
🏋️
Gym Access
₵ Credits
🧘
Wellbeing
₵ Credits
🎬
Entertainment
₵ Credits
📚
Learning
₵ Credits
🍱
Meal plans
₵ Credits
Send credits ☕
Recognize someone on your team
SB
Sara Becker
Product Design · Berlin
₵5
Quick
₵10
Coffee
₵20
Big thanks
Between colleagues

Peer recognition — credits between colleagues.

Credits don't only flow from company to employee. Employees can send credits to each other — a quick thank-you, a "you saved my day," a coffee on me. This is called Kudos. It's peer-to-peer recognition built directly into the Wallet.

Most benefit platforms are top-down only. Kudos makes recognition horizontal. Colleagues recognize each other. Culture builds from the inside, not just from the top.

☕
"Sara helped me debug a problem at 6pm. I sent her a coffee."
🤝
"Marcus covered my client call when I was sick. ₵10 with a note."
🏆
"The whole team sent Kudos after Anna's presentation to the board."
Order credits →
Knowledge inside your company

Internal creator channels — knowledge that gets rewarded.

Every company has people who know things nobody else knows. That knowledge usually disappears into Slack or a meeting and is never shared again. Masterhub Wallet changes that.

1
Any employee creates a channel
They post a video, a tip, a guide — whatever they know.
2
Colleagues follow and watch
Anyone in the company can find and follow internal channels.
3
Supporters send credits directly
Followers send credits to thank and reward the creator.

No other employee benefit platform has this feature.

See internal channels →
MK
Marcus Klein
Data Engineering · 142 followers
▶
How we cut pipeline latency by 60%
₵38
▶
3 SQL patterns I use every week
₵21
▶
Debugging prod without stress
₵14
Not just for HR

Who uses Wallet — and how.

Masterhub Wallet is not an HR tool. It's a company-wide credit system that anyone with budget authority can use.

🏗️
Founders & Owners
"I want to reward great work and build a culture people stay in — without building a benefits department from scratch."
Uses Wallet for monthly benefit budgets, spot awards, and onboarding welcome packs.
⚡
Team Leads & Product Owners
"I want to recognize the people on my team without waiting three weeks for HR approval on a gift card."
Uses Wallet for Kudos, milestone rewards, and event confirmations.
👥
HR & People Teams
"I want to replace 12 vendor portals and 20 invoices with one system I can actually manage."
Uses Wallet as the central platform for all benefit administration.
FAQ

Questions about how it works.

The specifics buyers ask before their first credit bundle.

Order credits →
No. Wallet works alongside your existing HR tools. It handles benefit credits, recognition, and the employee spending experience. It doesn't replace payroll, contracts, or compliance. It replaces the scattered vendor portals, PDF documents, and separate benefit invoices you're currently managing manually.
One credit (₵1) is one unit of purchasing power in the Wallet Marketplace. You set the credit value when you configure your company account. Most companies allocate ₵50 per employee per month as a monthly benefit budget — equivalent to a meaningful benefit spend without the overhead of managing individual vendor subscriptions.
Yes. Unused credits from an employee's balance roll over to the following month by default. Admins can set credit expiry rules if they prefer a use-it-or-lose-it approach, but the default is rollover. Company credits in the main pool never expire.
An LSA typically requires a per-employee monthly subscription fee from a third-party administrator, plus reimbursement paperwork. Wallet works differently: you buy a credit bundle, set allocation rules, and employees spend directly in the Marketplace — no reimbursement, no claims processing, no per-employee platform fee. One invoice. Done.
Most companies are fully set up — credits purchased, allocation rules configured, and employees onboarded — within 24 hours. There is no lengthy implementation process. You order credits, configure your rules, and your team gets access to their Wallet.
Wallet is built for teams from 10 to 10,000+ employees. The same credit system scales from a startup with 15 people to a mid-market company with 1,000. The allocation rules, dashboard, and Marketplace work the same regardless of company size.
Yes. Masterhub Wallet is built to work for companies in any country. Credits are not tied to a specific currency or country — they work across all markets. The Marketplace is built to expand locally as Wallet grows in each region.

Ready to see how it
works for your team?

One credit bundle. One invoice. Your team's benefits, recognition, and knowledge sharing — all in one place.

Order credits → Book a demo

No subscription. No commitment beyond the bundle.

Buy company credits, allocate to employees. Invite teams to spend from one place.

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