Enables Innovation Behind Universal Benefit Account

Xformative is proud to serve as the embedded infrastructure behind a newly launched Universal Benefit Account—an innovative solution that simplifies how employees manage their benefits.

By unifying multiple benefit types into a single experience—one card, one mobile app, one website, and one sign-in—this platform transformed the way employers deliver tax-advantaged benefits, educational reimbursements, workplace giving, and more.

Behind the scenes, Xformative’s ledgering and card services engine made this seamless experience possible. Our platform enabled:

• Real-time ledgering across diverse account types

• Flexible card issuance for multi-benefit access

• Streamlined account management with compliance-ready architecture

• Rapid deployment to meet evolving employer and employee needs

For years, fragmented benefit systems and shifting regulations have created complexity for administrators and confusion for employees. This new Universal Benefit Account model brings clarity and control—empowering employers to respond quickly to policy changes, business priorities, and workforce expectations.

With Xformative’s infrastructure, our partner eliminated redundant platforms, increased accuracy, and reduced administrative burdens—making benefits feel rewarding again.

We’re honored to be the engine behind this transformation, helping employers deliver smarter, more connected benefits that improve health, wealth, and well-being across their organizations.