01Ready
Per-Transaction Routing
For every payable, recommend the lowest-cost, highest-ROI compliant rail across NEFT, QR, card, SWIFT and multi-currency.
Maximize Net Value · v1.0
Stop earning points. Start capturing net value.
ValorMax calculates the real ROI of every transaction — points earned, minus costs, minus devaluation risk, minus time-to-redemption — across 50+ programs and every card you hold. One backend, three purpose-built interfaces.
Power User · Wallet
Every program, one screen, ranked by what's bleeding value.
Connect 10–20 programs. We surface expiry, devaluation risk and the single highest-ROI redemption you can execute this week.
- 01Real-time net value: earn − cost − devaluation − time
- 02Per-transaction routing across your 5–15 cards
- 03Expiry & devaluation alerts 60–90 days ahead
Loyalty Wallet · You
250,000 FB · 180,000 Accor · 92,000 MRAccor Lifetime180,000 pts
Expires Oct 15 · rumored 25% devaluation
$4,320
Book 18 nights now
Flying Blue250,000 mi
Stable · NYC–LHR business = 140k
$5,000
Hold or book
Marriott Bonvoy92,000 pts
Cat 6 free night within reach
$736
Top up 8k
Amex MR312,000 pts
Transfer 1:1 to FB before Aug devaluation rumor
$6,240
Transfer 60k
Wallet Value
$16,296
At Risk · 90d
$4,320
This Yr ROI
7.1%
Platform
One backend. Four pillars. Three interfaces on top.
01
Net Effective Value Engine
Every transaction scored on points earned minus costs minus devaluation risk minus time-to-redemption. Not gross points — real ROI.
02
Global Routing
Card, channel and corridor optimization across India, US, EU, SG, UAE. NEFT, QR, card, SWIFT and multi-currency rails — picked per transaction.
03
Compliance as Infrastructure
RBI structuring thresholds, LRS headroom across linked entities, audit trail by default. Quiet pillar — never the headline, always present.
04
Redemption Intelligence
Devaluation curves, transfer-partner math and award-chart change forecasts. Tells you what to book this week, before the value evaporates.
Workflows
Six decisions your finance team currently makes in a spreadsheet.
6 / 6 shipping in beta
02Ready
Real-Time Cap Management
Track monthly/quarterly accelerator caps across every card. Split-route automatically when a cap is about to bind.
03Ready
Receipt → GL Pipeline
OCR, MCC, tax classification, approval routing and GL posting in one continuous workflow. Audit trail for every step.
04Ready
Devaluation Early Warning
Per-program historical curves. Pre-empt transfer-ratio cuts and award-chart changes by 60–90 days. Re-route earning.
05Ready
Multi-Entity Consolidation
Roll up India + offshore entity spend, wallets and benefits. CFO-grade exports with jurisdictional citations.
06Ready
Fleet Optimization
Find underutilized cards, training-gap employees and routing leakage across 100–10,000 corporate cards.
Coverage
50+ loyalty programs. Earning, transfer ratios, devaluation curves — all in one valuation layer.
Flying BlueKrisFlyerStar AllianceAccor LifetimeMarriott BonvoyHilton HonorsAmex Membership RewardsChase Ultimate RewardsHSBC PremierAxis EDGEHDFC SmartBuyCapital One MilesCiti ThankYouBA AviosQatar PrivilegeEmirates SkywardsANA MileageUnited MileagePlus+ 32 more
Who ValorMax Is Not For
We optimize legitimate spend. Nothing else.
- [ ]You want a personal travel-rewards tracker only. ValorMax goes much further than that — pick a simpler app.
- [ ]You're looking to liquidate points for cash. We don't do mile-buying, brokerage, or arbitrage exits.
- [ ]You want help hiding income or splitting personal withdrawals. That is structuring — we decline.
- [ ]Your annual spend is under ₹50L / $60k. Routing economics don't justify the workflow yet.
Cohort 01 · 100 seats
Reserve access.
We're onboarding the first 100 — across Power Users, SMB finance teams and Corporate Fleets. One invite when your cohort opens. No marketing list. No spam.