Upside was Intelligent Cashback as an API, enabling fintechs and everyday apps to provide their users with frictionless cashback. Upside used Open Banking data to hyper-personalise offers. Spend data is highly predictive which enabled Upside to create valuable insights to API customers and retailers. As of February 2022, Upside became part of Cheddar. Users of Cheddar can now get paid effortlessly from friends, family and colleagues direct to their bank account, as well as get paid cashback from their favourite (and new) brands. Available free as a consumer app on both Apple and Android.