Case Study: Smava achieves secure, time-delayed P2P referral growth with Talon.One

Smava Boosts P2P Referrals with Talon.One’s unique API

Smava, the first Peer-to-Peer credit company and now a platform that provides over 1 billion euros in credit annually, faced a complex challenge: build a secure, fintech-compliant referral system that worked with their strict data‑protection rules, multi‑currency calculations, and many inflexible third‑party integrations, while supporting time‑delayed rewards (a two‑week cancellation phase) and robust fraud prevention. Smava selected Talon.One and its Java SDK/Campaign Manager capabilities to meet these requirements.

Talon.One implemented a fast integration (completed in two weeks) using its Java SDK and Rule Builder to deploy hashed, GDPR‑compliant referral logic that only issues rewards after the two‑week cancellation window and supports progressive, targeted reward rules. As a result, Smava now runs time‑delayed, fraud‑resistant referral campaigns from a simple management interface, can copy and edit programs without developer support, and freed their development team to focus on the core product.

Smava

Alexander Artopé

Chief Executive Officer