Sweep connects via Open Banking, detects every recurring payment leaving your account — including the ones you'd forgotten about — and turns the whole portfolio into one screen you can act on. Detection in thirty seconds. Decisioning, end-to-end, from the same screen.
Sweep is the consumer-facing brand at the front of the Singula Wallet platform. It is the app users will download, the wedge that powers the user-acquisition flywheel, and the surface inside which the merchant- and bank-side revenue layers are monetised.
Connect once via Open Banking. Sweep does the rest — surfacing every recurring payment, scoring each one, and turning the whole portfolio into a single screen the user can act on.
Open Banking connection takes seconds. Sweep scans the last 90 days and surfaces every recurring payment leaving the account — including forgotten trial traps, unused services, and the small monthly drips that don't show up on a budgeting app.
Every subscription gets a verdict — engagement, value-for-money, life-fit. Not just price. Sweep flags the trial that converted to £24.99/month for an app the user hasn't opened in fourteen months. It catches the duplicate that nobody noticed.
One tap to pause, cancel, switch, smooth, insure or defer any subscription. Sweep handles the cancellation flow, the switch logistics, the payment timing — end-to-end, from the same screen. The decisioning is the product.
Sweep is the consumer app at the front of the Singula Wallet platform. It connects via Open Banking, automatically detects every recurring payment leaving the user's account, and surfaces their full subscription portfolio — including the forgotten and unused services bleeding £200–400 a year out of the average UK current account.
From there, the experience becomes a decisioning layer for every subscription life event: pause, cancel, downgrade, switch, insure, defer, smooth. One screen, one tap, executed end-to-end.
It is the inverse of what Singula already builds for the merchant side of the market — the same engine, applied at the opposite end of the same conversation.
The previous generation of consumer subscription apps launched into a market that wasn't ready. Today's market is a different animal — and the infrastructure to build properly on top of it is finally in place.
UK Open Banking has crossed from experimental to operational. Coverage, latency, categorisation accuracy and consent UX are all where they need to be for a serious consumer product. The pipework that broke Yolt and Snoop is now reliable.
Cost-of-living pressure and a decade of subscription accumulation have made household subscription audits a mainstream consumer behaviour. The "I need to cut my outgoings" conversation now happens monthly, not annually.
Emma, Snoop, Plum, Yolt, Truebill — every previous attempt was a transaction-listing dashboard. Each proved demand exists; none cracked monetisation. The vacuum they leave behind is the opportunity Sweep was built to fill.
Seven structural failures of the current consumer-side subscription experience — each one a feature of Sweep, not a bullet point in a pitch deck.
Bank apps show transactions chronologically. Card statements aggregate by unrecognisable merchant descriptors. Email is buried under marketing. "What am I paying every month, to whom, for what, and which of these am I still using?" has no good answer today.
The average UK consumer pays £200–400 a year for services they no longer use. They don't know the size of the leak. They have no instrument that surfaces it.
Cancelling a subscription is deliberately hard. Apps make you call. Websites bury the button. Some require posting a letter. Consumers give up — exactly as the merchant intends.
Job loss, illness, relocation, holidays — life events that should pause or restructure subscriptions are handled service-by-service in a panic, if at all. There is no "pause my life for three months" button anywhere.
When a better deal exists, activation costs (search, compare, cancel old, sign up new) rarely justify the switch even when the savings are large. The £20-a-month saving is left on the table because the friction to capture it is two evenings of admin.
A consumer paying £150 a month across fourteen services has no read on whether that's healthy, wasteful, value-for-money, or ripe for restructuring. There is no Bloomberg terminal for personal subscription spend.
Six attempts at this category in the last decade. Each proved demand. None cracked the model. Reading their failure modes is reading Sweep's product brief in reverse.
Built the cleanest consumer UX of the cohort. Stayed a budgeting overlay. Never converted detection into decisioning, never built a merchant-side revenue surface.
Vanquis Banking Group acquisition couldn't save the unit economics. Open Banking PFM was the right pipework, but the product was a feed, not a tool. Closed in 2025.
Started with subscription tracking. Pivoted into savings and investing once it became clear that tracking alone didn't monetise. Tracking was a feature; nobody had figured out the product around it.
ING-backed PFM with significant capital behind it. Closed in 2022. The lesson: the bank-as-builder model fails when the parent treats the consumer app as a marketing surface, not a standalone product.
AI chatbot personal finance. Subscription detection was a feature; the product became something else entirely. Demonstrated that personality and tone aren't enough on their own.
The closest predecessor — and acquired by Rocket Companies for the data, not the standalone consumer business. Got further than the UK cohort. Still didn't crack the two-sided model that converts user value into merchant revenue.
This isn't a better-mousetrap story. The product is fundamentally different in shape — the engineering DNA, the business model, and the network position.
Every previous app surfaced data and stopped. Sweep leads with action: pause, cancel, downgrade, switch, insure, defer, smooth — executed end-to-end from one screen. Detection is the first thirty seconds of the experience, not the entire product.
Every consumer who connects an account adds intelligence value to every merchant on the other side, and vice versa. The freemium consumer app is a user-acquisition flywheel; the merchant and bank surfaces are the revenue. The only consumer subscription product structured as a genuine platform.
The framework Singula has spent ten years refining for operators — detect the lifecycle moment, score the portfolio, orchestrate the right intervention — translates elegantly to the consumer. HOLIDAY. JOB-CHANGE. MOVE. RENEWAL-DUE. SPRING-CLEAN. Same engine, opposite end of the conversation.
The merchant side of the marketplace — pre-cancel signals, win-back routing, switch-intent intelligence — is exactly the conversation Singula already has with subscription operators. The B2B revenue layer that took Truebill years to build, we open with relationships and language already in place.
Most consumer fintech businesses optimise for one buyer type and try to retrofit a second. Singula Wallet is engineered from the start to monetise across all three — because the underlying intelligence is valuable to each in different shapes.
Subscription portfolio management, life-event handling, forgotten-service recovery, pause / smooth / defer mechanics.
Pre-cancel signals, win-back routing, switch-intent intelligence, save-offer surfacing at the moment of consumer decision.
White-label subscription decisioning engine, embedded inside the bank's own consumer app — a category they cannot build internally fast enough.
The freemium consumer side is the user-acquisition flywheel. The merchant and bank sides are the revenue. The product is consumer-facing in the UI but two-sided in the business model — and that asymmetry is precisely what separates Sweep from every previous attempt at this category.
While Sweep launches in 2026 to power the consumer side of the network, the merchant- and bank-side products that monetise it are productised, licensable, and selling today. Sweep arrives into a B2B network that's already operating — not a hypothetical revenue layer waiting on consumer adoption.
Pre-cancel signals, save-offer routing, and switch-intent intelligence — productised for subscription operators who need a real-time view of consumer save opportunities ahead of the action being taken.
White-label subscription decisioning, productised for banks and BaaS partners. License the engine and embed Sweep's detection, scoring and action library inside your own consumer app — differentiation you can ship in weeks, not the years it would take to build the platform.
Sweep is the consumer wedge — the thirty-second wow demo that lights up every recurring payment in the consumer's bank feed. Tools 2–7 build out the consumer app around it through 2026 and 2027. Tools 8 and 9 — the B2B revenue layer — are already live in production today, ahead of the consumer launch.
Sweep launches in 2026. Conversations are open now with capital partners, beta merchants, and white-label bank licensees.
The B2B revenue infrastructure — Merchant Console and Bank Embed — is in production and selling today. Sweep launches in 2026 to power the consumer flywheel into a network that's already operational. Materials available under NDA: strategic plan, financial model, comparable-company analysis, exit landscape.
The Merchant-Side Console is live in production today. Subscription operators can integrate now to receive pre-cancel signals, route save offers, and capture switch-intent intelligence — ahead of Sweep's consumer launch in 2026, when the network effect compounds.
Bank Embed is live in production today. White-label Sweep inside your own consumer app and ship subscription decisioning in weeks — differentiation your competitors cannot match without spending years building the platform we already have.