Trust earns richer data
Every category is opt-in, plain-language and revocable. Sensitive life events are protected by default and can never be used to sell to you.
More consent, sharper anticipation. Revoke any category in one tap — we'll forget within 30 days.
Account transaction analysis
Benefit: Cash-flow view and category insights across your connected accounts.
How it works: Uses merchant, amount and date signals only — no SKU-level detail.
Life moment planning
Benefit: Proactive help for anniversaries, travel, family and home milestones.
How it works: You'll see reminders before we personalise offers.
Receipt Vault analysis
Benefit: Warranty tracking, price protection and better budget categories.
How it works: Only the receipts you upload are analysed.
Partner offers & rewards
Benefit: Curated ecosystem rewards matched to your preferences.
How it works: You can pause partner sharing at any time.
Credit readiness & affordability
Benefit: See what you'd qualify for before you apply.
How it works: Soft assessment only — no impact on your credit record.
Insurance & protection gaps
Benefit: Flag valuable items and family cover gaps for review.
How it works: We won't auto-enrol you in cover.
Block sensitive events for marketing
ProtectedBenefit: Health, bereavement and legal events are never used for offers.
How it works: Protected by default. Cannot be toggled on.
How confident is a given insight?
Every recommendation you'll see across the app carries one of these five confidence tags — so you always know what it's grounded in.
Transaction signals
Merchant, amount and date on your connected accounts. Broad but coarse — good for cash-flow, weak on what you actually bought.
Based on transactionsOpen-banking context
Balances, standing orders and salary rhythm across every bank you connect. Confirms patterns transactions alone can't.
Based on open bankingReceipt item & category detail
Line-item SKU, warranty terms, VAT. Turns “R842 at Makro” into “Bosch drill, 24-month warranty, price dropped R120 last week.”
Based on receiptsPartner preferences
What our merchant partners already know about your loyalty and preferences — shared only when you opt in per partner.
Based on partner dataEcosystem-native journeys
End-to-end purchases inside our own rails: quote → pay → deliver → warranty. Highest confidence, because we saw every step.
Based on ecosystem purchasesWe never sell your data — full stop.
Revoke any category in one tap. We'll forget within 30 days.
Health, bereavement and legal events are never used for marketing — regardless of any toggle above.
Your choices are mock-only in this prototype and won't persist between sessions.