Milestone-based disbursement API

Send money to people when they complete real-world actions.

Stretch helps organizations disburse funds instantly, securely, and based on milestones. Define a program, enroll participants, set milestone-based tasks, and let Stretch handle card issuance, spend controls, and disbursement — all through one API built on Highnote.

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Integration path

One API between your app and Highnote.

Your application defines programs, enrolls participants, and marks milestones complete. Stretch owns the disbursement logic and orchestrates Highnote for card issuance, funding transfers, spend controls, and event reconciliation.

Your app

Program UX

Enroll participants
Define milestones
Show disbursement state

Stretch

Milestone layer

Budgets and reservations
Action verification
Disbursement logic

Highnote

Payments platform

Card issuance
Financial accounts
Spend controls and events

Developer quickstart

From program setup to funded milestone in four calls.

The participant experience stays in your app. Stretch handles the program logic that links real-world actions to card-based disbursements.

See the full integration

milestone-flow.ts

const program = await stretch.programs.create({
  cardProductId: "cp_9xW...",
  name: "OSHA completion funding",
  totalAwardPool: 50000,
  maxParticipants: 100
});

const user = await stretch.users.create({
  highnoteAccountHolderId: "ach_1842"
});

await stretch.tasks.assign({
  programId: program.id,
  userId: user.id,
  monetaryValue: 500
});

await stretch.userTasks.complete("ut_01J7");

Budget reserved

Milestone verified

Card funded

Platform surface

The disbursement layer your card program is missing.

POST /v1/programs

Milestone ledger

Track program budgets, participant caps, and task-level reservations — funds don’t move until milestones are verified.

PUT /v1/usertasks/{id}/complete

Action-gated disbursement

Mark a milestone complete and Stretch validates program state, resolves the reservation, and initiates card funding.

POST /v1/webhooks

Webhook reconciliation

Card lifecycle events from Highnote are reconciled back to program context — every dollar ties to a milestone.

GET /v1/users/{id}/agreements

Consent records

Versioned agreements and participant consent stay attached to the decisions that release program funds.

Operational trust

Built for programs that need accountability and compliance.

Highnote gives you modern card issuing, ledgers, and controls. Stretch adds the program record: why funds were reserved, who completed the milestone, what consent applied, and when the disbursement settled.

OAuth2 client credentials

Idempotent writes

Agreement versioning

Webhook retry posture

Card-product mapping

Highnote sandbox mapping

Use cases

Disburse funds based on actions, behaviors, and events.

Explore card controls

Education & development

Workforce Training

Disburse funds when participants complete certifications, attend trainings, or hit employment milestones.

Behavior-based rewards

Staffing Rewards

Tie shift completion, tenure, ratings, and referral milestones to instant card-based payouts.

Purpose-bound funds

Tenant Benefits

Fund rent, upkeep, meeting attendance, and program milestones with granular spend controls.

Controlled disbursement

Community Programs

Link check-ins, appointments, employment verification, and other real-world actions to card funding.