Add-on cards are gaining relevance as account usage becomes more collaborative and structured. For platforms like Creditas, they support controlled access without the need to open multiple accounts, helping organisations and households manage spending more efficiently. An add-on card allows limits, visibility, and usage rules to be defined clearly, which reduces friction while maintaining oversight. From a product and operations view, add-on cards also reflect account maturity and evolving needs. When implemented thoughtfully, they extend account value and usage depth without adding unnecessary complexity to core banking systems.