Bunq Benefits Bonus

Have you ever found yourself wanting to buy a potato but your card gets declined and the shame takes over?Bunq Benefits Bonus is your solution, lending you a small sum so awkward moments are avoided

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Inspiration

My partner and I have had a few awkward and embarrassing situations where our card got declined over a small amount of money. It can happen for all kinds of reasons, but it’s never a pleasant experience. To solve this, Bunq Benefits Bonus aims to save us from those cringe-worthy moments.

What it does

This is a demo of an idea for a loyalty program. Imagine you're a loyal customer with a steady monthly income, if your card gets declined for a small transaction, Bunq would temporarily cover the amount to avoid any awkwardness. The demo loads your current balance and transaction history (in a real scenario, this would be done automatically via the Bunq API). It also simulates a product price, how long you’ve been a Bunq customer, and asks whether you’ve used this feature before, and if so, whether you’ve paid back on time (i.e., if you have a clean history). Based on that, it tells you whether you're eligible for a quick micro-loan and explains why or why not. In short, it’s a prototype that shows how this feature could work if implemented inside the real Bunq app.

How we built it

Bunq Budget Boom is a demo app combining a Flask backend and an Expo React Native frontend to simulate a small financial assistant feature: Flask API (flask-server/): Fetches recent Bunq sandbox transactions and current balance via the public API. Constructs a tailored prompt including user data and transaction history. Sends the prompt to an LLM (Mistral via NVIDIA’s endpoint) and streams back a structured eligibility response. Expo Frontend (my-app/): Displays current balance and recent transactions in a sleek, animated UI. Collects user inputs (purchase cost, membership duration, TrustBoost usage history). Submits data and transaction history to the Flask API and renders the formatted LLM answer. This combo illustrates how to integrate React Native, Flask, external APIs, and a generative model into a cohesive app.

Challenges we ran into

We faced issues fetching transactions and setting up reliable endpoints to ensure smooth communication between the Flask server and Expo frontend across different devices.

Accomplishments that we're proud of

We built a fully functional demo that works as intended and clearly shows the value of the concept.

What we learned

We learned how to interact with APIs and LLMs, and how to build an app that combines them effectively.

What's next for Bunq Benefits Bonus

In the future, we’d love to explore adding repayment deadlines and integrating the feature directly into the Bunq app for real-world use.

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