When we started brain storming about what we can build with the financial data which has not been build yet. After doing lots of Analysis diving into Machine Learning problems but still could not get to the "WAO" factor which makes us stand apart. Then we thought of solving as basic problem which me and my teammates have faced most of the time. The problem that we have never used our reward points , how cool it would be if we have a system where we can share , lend our reward points to people who actually uses reward points for shopping or other stuffs. Then we though what if we have a bidding system incorporated in this which actually brings the engagement of users to the app. We went one step further and in the bidding system we introduced collaborative bidding where more than 2 users can bid for a request. We also have online feed going about the all the bids which is going there to bring user's attraction.