Overview

What it does

Capital One Beyond is a mobile-first financial assistant designed to elevate your travel experience through smart, integrated financial tools.

It combines Trip Budgets, Shared Wallet, and Fraud Detection into one seamless ecosystem powered by Capital One’s APIs for transaction simulation and rewards integration.

From planning to payment, Beyond helps users:

Forecast and manage expenses before and during the trip.
Split and pay group costs transparently through a shared wallet — no awkward IOUs or manual calculations.
Travel confidently knowing that Capital One’s fraud detection adapts to their itinerary, reducing false transaction blocks.

No spreadsheets, no confusion — just smooth travel with smarter money.

How we built it

We built Capital One Beyond as an iOS prototype using SwiftUI and Capital One’s developer APIs to simulate real transactions, transfers, and purchases. The system architecture connects the following components:

Frontend (iOS app) — SwiftUI for dynamic UI, offline-first travel planning, and budget visualizations.
Capital One API integration — simulating financial transactions, calculating spend predictions.
AI-driven estimations — ML-based budget forecasting leveraging historical user data and public travel cost data.
Shared Wallet logic — implemented through a virtual “group card” that handles multi-user payments and balances in real time.
Fraud Detection simulation — maps user itineraries and purchase contexts to assess risk levels dynamically.

Challenges we ran into

Integrating realistic transaction simulation while maintaining privacy and modularity.
Designing a Shared Wallet model that distributes responsibility fairly among users, even with multiple banks.
Building accurate budget predictions for diverse destinations and travel purposes.
Simulating fraud detection behavior in a way that feels real yet user-friendly.
Balancing design simplicity with a high volume of financial data visualization on small screens.

Accomplishments that we're proud of

Developed a fraud detection mock model that reduces friction while maintaining security.
Delivered a cohesive iOS user experience that merges all three tools into one intuitive platform.

What we learned

How to design for financial inclusion, ensuring users from any bank can participate.
The importance of context-aware finance tools — not just secure, but also predictive and empathetic.
The power of Capital One’s API ecosystem for building creative financial experiences.
That good UX for finance means reducing stress and making money management feel invisible while traveling.

What’s next for Capital One Beyond

Expanding to other platofrms and web to make Beyond universally accessible.
Connecting with Capital One Travel to integrate hotel, flight, and rental bookings directly in-app.
Adding real transaction tracking for Capital One users to merge real and simulated data.
Introducing personalized reward suggestions based on user history and spending habits.
Partnering with travel agencies and event organizers to provide exclusive travel experiences — starting with our demo trip: the Super Bowl experience.