A consumer app that connects to a bank account via Open Banking, surfaces every recurring payment leaving it — including the forgotten ones — and provides a single screen from which to pause, cancel, downgrade, switch, insure, defer, or smooth any of them. Intelligence that acts on the portfolio, not a dashboard that watches it.
The previous generation — Emma, Snoop, Plum, Yolt, Truebill — were dashboards, not decisioning tools. They surfaced what the consumer was paying. They didn't act, didn't decide, didn't generate signals to monetise on the merchant side.
The consumer wallet. Connects to Open Banking, surfaces every recurring payment leaving the account — including the forgotten ones — and turns the whole portfolio into a decisioning surface. Cancel, pause, switch, insure, defer, smooth. The connect-and-scan flow is the wedge; the rest is what makes it sticky.
"Sarah Patel is about to cancel — here's what's competing for her slot, here's what we can offer to keep her." Sweep-driven save opportunities surfaced to merchants in real time.
White-label engine for banks and BaaS partners to embed the subscription decisioning layer inside their own consumer apps. The platform play.
A new section to be added to the Singula Decisions corporate website. Introduces the Wallet proposition, frames the consumer opportunity, and previews the Sweep demo. Tonal register: corporate-credible — sits comfortably alongside the existing operator-facing routes, not the consumer wallet brand itself.