Product Roadmap

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Hydrogen APIs

Latest Releases

View all features released over the last 90 days.

Feature Description Status Release Date
Debit Budgeting No-Code No-code app that creates and tracks card spending against budgets. Released Mar 2022
Debit Cash Flow No-Code No-code app that tracks income and spending for a debit card during the last month. Released Mar 2022
Spanish Language App Translation White labels and web components/webviews will detect browser language settings, and automatically display all text in that language. Spanish language will be released first. Released Mar 2022
Cards Web App URL Parameters Link to your white label web app with URL parameters to pre-fill user sign up details, group users (referrals, affiliate codes, plans etc.) and assign internal IDs for tracking. Released Mar 2022
ITIN Acceptance ITINs used by nonresident and resident aliens are now accepted, in addition to the currently supported SSNs, on Debit Card Issuance. Please note, due to these individuals having limited records, you may experience failure rates 3-4x higher for ITINs than for SSNs. Released Mar 2022
Card Decline Results View aggregate analytics on card declines, including MCC blocks and decline reasons. Released Feb 2022
Card Tokenization Results View all approved and declined tokenization requests on Apple, Google, and Samsung Pay wallets. Released Feb 2022

Upcoming Roadmap

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Feature Description Status Release Date
Cards KYC Minimum Age (18) Our bank partner will currently reject any card applications under the age of 21, but we are working to have them change this to 18. In Progress May 2022
Client Admin & Invite Codes View and download client details, including DDA accounts for employers and payroll. Invite pre-approved clients to your app with an email link and code, or sign them up via API. Remove public sign up forms from your white label apps. In Progress May 2022
Debit Rewards No-Code Configurable no-code Web Component, WebView, and widget in our white label app, which shows users pending and earned rewards. In Progress May 2022
Enhanced KYC, Anti-Fraud Engine & Admin Enhanced KYC and AML protections, including document verification and biometric identity checks. Admin to view client, card, ACH, and transaction fraud blocks and flags by Hydrogen. In Progress May 2022
Forgot PIN If a user has forgotten their PIN on either virtual or physical cards, display the PIN in a PCI compliant container after a security check. In Progress May 2022
Instant Bonus Load Configure bonuses in our Rewards Admin that can be instantly loaded to users when a card is issued or a user is referred. In Progress Jun 2022
User Referral System Referral codes generated for each Nucleus client and integrated into the Rewards Admin and white label. In Progress Jun 2022
Automated Payroll Connect (Direct Deposit Switching) Allow cardholders to login to their payroll provider and link their card account number to their payroll direct deposit, for larger, automated deposits into their accounts. In Progress Jun 2022
Mobile Sample Apps Sample apps that embed and authenticate our cards WebViews for Native iOS, Native Android, React Native, Flutter, Ionic, Xamarin In Progress Jun 2022
Notifications & Alerts Automated notifications via email and SMS for configurable alerts. Examples include card fulfillment status (printed, shipped etc.), card loads, funds transfer status, declined transactions, low balance. In Progress Jun 2022
Card-Linked Rewards (Merchant Funded) Cardholders will receive up to 10% cash back at leading retailers and merchants nationwide. These rewards will be funded by merchants directly, not from your reserve account, and linked directly to purchases made with your card program. In Progress Jun 2022
Rewards Points System Configuration on rewards admin to set each dollar spent equal to X points, instead of purely tracking rewards on a dollars basis. Requested Jul 2022
Affiliate Rewards (Merchant Funded) Cardholders will receive up to 10% cash back at leading retailers and merchants nationwide. These rewards will be funded by merchants directly, not from your reserve account, and linked to affiliate codes provided to your company. Any card can be used for the purchase for the cardholder to receive the reward. Requested Jul 2022
Branded Tokenized Cards Transform Plan Only- Add your logo and brand color to tokenized cards in Apple, Android, and Samsung wallets. A black card with no logo will be present on tokenized cards until this release. In Progress Jul 2022
Debit White Label Mobile App (iOS & Android) White Label mobile app (iOS & Android) to issue cards and view balances, transactions, and analytics. Use as a beta app while integrating our WebViews into your own custom app. In Progress Aug 2022
Rewards Sweepstakes Create sweepstakes rules on our Rewards Admin that can automatically disburse funds to cardholders in scheduled drawings based on odds and points earned. Requested Aug 2022
Interchange Fee Tracker Review an estimate of interchange fees earned for the month and historical interchange disbursements Requested Sep 2022
Crypto Rewards (Tenant Funded) Pay cardholder rewards in cryptocurrency (e.g. BTC or ETH), instead of USD. Rewards will be paid by converting money held in your Reserve Account. Requested Sep 2022
P2P Balance Transfers Transfer all or part of a balance from one cardholder to another, for P2P payments and wallets. Requested Oct 2022
Multi-Card Issuance Users can create more than one active card under the same username. We are currently limited 1:1. Requested Oct 2022
Sign Up Funnel BI Track app sign ups, conversions, churn, dropoffs, bottlenecks on a business intelligence dashboard. Requested Nov 2022
Credit Bureau Reporting Credit building feature on the Hydrogen debit cards that reports select debit transactions to the major U.S. credit bureaus. Examples include paying utility bills, loan payments etc. Requested Nov 2022
Payroll Earned Wage Access (EWA) Earned Wage Access (EWA) also known as 2 day early direct deposit, allows users to receive their paycheck to the card early. Requested Dec 2022
Account Aggregrator Connection Users do not currently have a login to our bank sponsor Metabank, but if an app has enabled micro-deposit auth verification (not all do), then they can verify ownership of the account using our DDA account and routing number. We are working on a direct connection for our white labels into account aggregators, starting with Plaid, and followed by Finicity and Intuit. This will allow users to pull all their account data (auth, balance, transactions) into leading fintech apps. Requested Dec 2022
Debit POS Cash Back Cardholders can receive cash back at the Point of Sale (POS) when making a debit purchase. This is currently disabled. Requested Dec 2022
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