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RETHINK YOUR INFRASTRUCTURE

Your Platform Is Operated by Your Competitor. Now What?

Move to the only independent platform at scale administering millions of accounts. Own the brand, the experience, and the economics, across accounts, cards, investments, claims, and eligible shopping.

Move to the Independent Platform See It Live
Millionsof accounts administered
Your brandend to end, not white-labeled
Two wayscustom experience or full Lynx APIs
YOUR BRAND LIVE
HEALTH WALLET

Good afternoon, Alex

3 accounts
Primary productHSA / FSA / HRA Wallet

Spending, saving, and reimbursing in one member experience.

CDH
TOTAL AVAILABLE$7,640HSA, FSA, and HRA on one card
AccountsPowered by Lynx
H
Health SavingsInvestable · +4.6% YTD
$4,820
F
Flexible SpendingHealthcare
$1,240
R
ReimbursementHRA
$1,580
LYNX APIPOST
/transactions/authorize 
{
"account": "hsa_4821",
"merchant": "CVS Pharmacy #1187",
"amount": 42.10
}
RESPONSEApproved · Health Savings
200
REAL-TIME DATAACCESSIBLE NOW
RetailerCVS Pharmacy #1187
Amount$42.10
MCC5912
AccountHealth Savings
StatusApproved
SettledToday
APIrulesmember experience
ONE INTEGRATIONAccounts · cards · payments · commerce
Claim approved: $120.00 → HRA

Why move now

Take Back Control of Your Experience, Roadmap, and Economics

On the surface, customers may still see your name and logo. But if the platform underneath is operated by a competitor, it's time to reassess who controls the experience, roadmap, and economics.

DIFFERENTIATION

Stop selling the same platform

When every administrator runs on the same underlying platform, finalist meetings become a services comparison instead of a product advantage.

CONTROL

Decide what ships next

Configure the member experience and launch SKU-restricted LSAs, ICHRA, pharmacy wallets, and multi-purse cards, without waiting on a competitor-owned roadmap.

ECONOMICS

Keep more of the value stack

Administration is only one layer. Card, deposit, investment, and e-commerce economics can become part of your business model instead of someone else's.

The proof problem

Four Administrators, One Identical App

A national health plan, a regional TPA, a large bank, and a regional bank can all sit on the same competitor-owned CDH platform: the same layout, the same menu, the same “I Want To” list, with a different logo stitched on top.

TodaySame template

Rebadged, not rebuilt. Swap the logo and the product underneath doesn’t change. Members can tell, and so can the broker across the table at renewal.

With LynxTruly yours
Your BrandHealth & Benefits
This is your member experience. One login, one brand, one app. No competitor-owned portal underneath.
Good morning, Alex
HSA Account$1,810.00Cash + Investments
LSA Wallet$350.00SKU-restricted
Shop eligible itemsInvest HSA cashSubmit a claim

Your roadmap, your brand, end to end: embedded in your app through APIs or launched as a custom experience Lynx builds for you. Investments, eligible commerce, and new wallets like LSAs and GLP-1 programs are yours to ship.

GET /accounts/member/balancePOST /investments/ordersGET /commerce/commodity/detailPOST /cards/freeze
Try the live demo ↓

Break away from one-size-fits-all. Move to an independent platform you control.

Two ways to connect

Custom Experience or Full Lynx APIs, See It Live Below

Once you move off a competitor-owned platform, there are two clear ways to bring your benefits home. Lynx can deliver a complete experience under your brand, or expose the full platform through APIs so your team builds benefits directly into the portal and app you already run. The live toggle below shows both.

One Platform, Two Paths

Choose how you connect benefits

Both paths run on the same Lynx healthcare financial infrastructure. The difference is whether Lynx delivers the member experience, or your engineers consume the APIs and own the front end.

Custom: a differentiated web and mobile experience under your brand, designed, built, and maintained by Lynx, ready to launch.
API: the raw Lynx platform surface for balances, cards, claims, contributions, investing, reimbursements, and commerce, ready for your engineering team to embed.
Or both: launch the custom experience now and pull key journeys into your own app over time, with no second replatform.
Powered by Lynx● LIVE DEMO

Lynx API surface

The same endpoints powering the custom experience, available directly to your engineering team. Docs at docs.lynx-fh.com.

GET/accounts/member/balanceReal-time HSA, FSA, HRA, and LSA balances.
POST/cards/freezeFreeze a benefits debit card instantly.
POST/cards/unfreezeUnfreeze a benefits debit card instantly.
POST/claims/member/claimSubmit an FSA or HRA claim with receipt attachment.
GET/claims/member/claim/detailReal-time claim status without a separate portal.
GET/investments/accounts/positionsHSA investment positions and performance.
POST/investments/ordersMove eligible HSA cash into elected investments.
GET/transactions/member/listTransaction history across benefit accounts.
GET/commerce/commodity/detailReal-time SKU-level HSA/FSA eligibility.
POST/commerce/orderEligible-commerce checkout against HSA or FSA cash.

Try it: freeze the card, submit a claim, invest HSA cash, or check out in Shop. Every action maps to a real Lynx API endpoint.

What sits underneath either path

One Infrastructure Layer, Far More Than Account Administration

Banking and ledgering, advanced payment processing, e-commerce, and investments, delivered through APIs or a turnkey white-label experience.

Lynx underneath and you in front

One Integration, Unlimited Product Configurations

Launch standard accounts out of the box, then differentiate with granular benefit designs, new spending programs, and embedded experiences.

API-first when you want control or turnkey custom app when you want speed
Accounts + ledger

HSA, FSA, HRA, LSA, ICHRA, and configurable plan-funded accounts on a common infrastructure layer.

Cards + payments

Physical and virtual cards, multi-account wallets, ACH, reimbursements, and real-time authorization.

SKU-level controls

Control spend by merchant category, merchant, and product SKU, not only broad category rules.

Investments

Embed investment functionality directly into the account experience instead of sending members elsewhere.

E-commerce

Build an owned marketplace with integrated eligibility, payments, and fulfillment.

Next-gen benefits

Extend the same infrastructure into pharmacy, rewards, supplemental benefits, and personalized wallets.

Built for what comes next

Launch What Your Clients Ask for Next

A shared platform ships new products when its roadmap allows. On Lynx, the next wallet is a configuration, not a feature request. Here is what administrators are launching on the same infrastructure today.

Lifestyle LSA$350.00
✓Yoga mat$38.00
✓Fitness tracker$46.00
✕Energy drinks, 12pk$21.99
Approved to LSA$84.00
Declined at the SKU$21.99

SKU-restricted LSAs

Spend rules down to the product

Employers define exactly what a lifestyle account covers. Eligibility is checked item by item at checkout, so the card approves the yoga mat and declines the energy drinks in the same swipe.

GET /commerce/commodity/detail
GLP-1 Wallet$700.00
$500 of $1,200 used this quarterEmployer funded
✓GLP-1 prescriptions
✓Required labs
✓Nutrition coaching
Pharmacy fill · approved−$499.00

GLP-1 wallets

Fund the program, not a blank check

Give employers a dedicated wallet for high-cost therapies: funded on their schedule, restricted to the Rx and the support around it, and reported separately from the core account.

GET /accounts/member/balance
Shop eligible itemsHSA/FSA
Blood pressure monitor$44.99Eligible
Allergy relief, 100ct$18.49Eligible
Checkout · paid from HSA$63.48

Embedded e-commerce

A storefront inside your experience

Put HSA- and FSA-eligible shopping inside your portal and app. Eligibility, payment, and fulfillment run through one integration, and the commerce economics stay with you.

POST /commerce/order

Same ledger, same card, same APIs. Each new program is configured, not rebuilt.

A practical replacement path

Here Is What to Do Next

Create leverage immediately, prove Lynx with a wedge, and migrate the broader book at the pace that makes sense for your business.

LAND

Lead with a new need

Start with net-new HSA/FSA business, a differentiated LSA, ICHRA, commerce, or another client need where you want more control.

PROVE

Run in parallel

Operate Lynx alongside the existing platform and give sales a differentiated story before forcing an enterprise-wide conversion.

EXPAND

Take back the book

Migrate accounts and employers by cohort or renewal until the infrastructure, experience, and economics are back under your control.

Ready to Own Your Platform?

Move to the only independent platform at scale administering millions of accounts.

Move Now →