Stream
Helping employees make their money go further with discounted digital gift cards built directly into Stream’s financial wellbeing platform.

About Stream
Building a fairer financial future for workers
Stream (formerly Wagestream) helps improve the financial wellbeing of shift and variable-income workers through services provided by their employers. Its platform gives people greater control over their pay, savings and financial planning, alongside practical tools designed to make everyday money management easier.
- Challenge:
- Stream wanted to introduce a valuable, accessible feature that would support employees’ financial wellbeing and help their money go further.
- Solution:
- Stream integrated with Tillo’s API to introduce Discounts, enabling members to purchase digital gift cards at reduced rates.
- Result:
- Almost 2,000 members adopted the feature, collectively saving thousands of pounds across their everyday shopping.

Making everyday money go further
Stream wanted to complement its wider financial wellbeing services with a practical benefit employees could use regularly. The opportunity was to help shift and variable-income workers reduce the cost of everyday essentials through accessible savings - while giving employers another meaningful way to support their people through continued cost-of-living pressures.
The Solution
Everyday discounts, built into Stream
Through Tillo’s API, Stream introduced Discounts directly within its financial wellbeing platform. Members can purchase discounted digital gift cards for supermarkets and other familiar retailers, with typical savings ranging from 3%–9% depending on the brand and available promotion.
One contract and integration gives Stream access to thousands of brands while reducing the time, cost and complexity associated with onboarding individual retailers. Immediate digital issuance, reliable infrastructure and real-time reporting support a seamless and scalable experience behind the scenes.

Real savings on the weekly shop
Stream members select a participating retailer, purchase a discounted digital gift card and use it to pay for their shopping. The saving is built into the transaction, helping members reduce the cost of groceries, retail purchases and wellbeing products through an experience that is simple to use regularly.
Even relatively small percentage savings can make a meaningful difference when applied consistently to everyday essentials. By embedding Discounts alongside Stream’s existing financial tools, the partnership makes shopping less expensive and financial planning feel more manageable.

Testimonial 1 of 2
At Stream, we provide financial wellbeing support to shift and variable-income workers through their employer - from choosing how often they’re paid to saving for a rainy day and speaking with money coaches. Through our partnership with Tillo, we can make work even more rewarding by passing on fantastic discounts at a wide range of retailers.


We’re immensely proud to have helped Stream unlock such a valuable use case for digital gift cards. Seeing members use the Discounts feature and make meaningful savings validates our mission to help businesses deliver rewards that make a genuine difference.

Partnership Impact
What Stream and Tillo achieved together
By combining Stream’s financial wellbeing platform with Tillo’s API and digital gift card network, the partnership has created a simple way for employees to unlock meaningful savings across the purchases they make every day.
- 3-9% savings
Typical gift card discounts help members save across everyday purchases.
- Almost 2,000 members
Thousands of Stream members adopted Discounts following its launch.
- Thousands saved
Members collectively saved thousands of pounds on their weekly shopping.
- Everyday retailer choice
Discounted digital gift cards are available across groceries, retail and wellbeing.
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