Singula Decisions · Subscriber Intelligence Client login →
INTRODUCING SWEEP — LAUNCHING 2026

One wallet for every subscription you pay for.
One tap to pause, cancel, switch, smooth or insure any of them.

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.

£200–400
Forgotten subscriptions per UK consumer, per year
5+
Active subscriptions per adult in the UK target market
0
Consumer apps that have solved this category
2-sided
Network effects baked into the business model
Meet the consumer app
sweep.
Your subscriptions, swept.

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.

Free
Up to 5 cancellations a year. Detection, scoring, and the full subscription portfolio — included.
£4.99 / mo
Unlimited actions, life-event handling, switch & save, and subscription insurance.
01

Sweep

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.

02

Score

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.

KEEP REVIEW CANCEL
03

Act

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.

What it is

A subscription wallet built on decisioning, not dashboarding.

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.

"Every consumer is currently the worst manager of their own subscription portfolio. A tool that does it for them — with intelligence, not just dashboards — is a category-defining product that nobody has built well."
Singula Wallet — Project Charter
Why now — the market moment

Three forces have converged for the first time, and the window is open.

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.

9 yrs
Open Banking maturity

Infrastructure is finally production-grade

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.

£12bn
UK consumer spend on subscriptions

Subscription fatigue is now visible spend

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.

5
Failed predecessors

The dashboard era is closed. The decisioning era is open.

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.

The wound

What's broken in the consumer experience right now.

Seven structural failures of the current consumer-side subscription experience — each one a feature of Sweep, not a bullet point in a pitch deck.

No consolidated view

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.

Forgotten subscriptions

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.

Cancellation friction

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.

No life-event handling

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.

No switching infrastructure

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.

No portfolio intelligence

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.

The graveyard

What the previous generation taught us — and where it stopped.

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.

Emma UK
Acquired

Built the cleanest consumer UX of the cohort. Stayed a budgeting overlay. Never converted detection into decisioning, never built a merchant-side revenue surface.

Snoop UK
Wound down

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.

Plum UK
Pivoted away

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.

Yolt UK
Shut down

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.

Cleo UK / US
Pivoted away

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.

Truebill / Rocket Money US
Acquired

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.

The pattern

All of them 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. That is precisely the wound Sweep is built to exploit.

Our USPs — why we'll win where others didn't

Four structural advantages that the previous generation could not have had.

This isn't a better-mousetrap story. The product is fundamentally different in shape — the engineering DNA, the business model, and the network position.

USP 01

Decisioning, not dashboarding.

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.

vs. Emma, Snoop, Truebill: they showed the leak. We close it.
USP 02

Two-sided network effects, baked in.

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.

vs. previous generation: revenue scaled linearly with sales effort. Ours scales with users.
USP 03

Decision Moments™ DNA, applied to the consumer.

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.

vs. consumer fintech: they had to invent the decisioning layer from scratch. We're porting a working one.
USP 04

Operator fluency from day one.

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.

vs. pure consumer fintech: they had to learn the merchant side. We started there.
The market opportunity

Three audiences. Different economics. One product surface.

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.

Audience
What they pay for
ARPU / ACV
Volume
Consumers
UK retail · 18-65 · 5+ active subs

Subscription portfolio management, life-event handling, forgotten-service recovery, pause / smooth / defer mechanics.

£4–12 / mo
Millions
Merchants
Subscription operators across verticals

Pre-cancel signals, win-back routing, switch-intent intelligence, save-offer surfacing at the moment of consumer decision.

£30K–£300K
Hundreds
Banks & BaaS partners
UK retail banks & embedded finance

White-label subscription decisioning engine, embedded inside the bank's own consumer app — a category they cannot build internally fast enough.

£100K–£1M+
Dozens

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.

Available now — Live in production

The B2B revenue layer is already in market.

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.

Live now
For subscription operators

Merchant-Side Console

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.

  • Real-time pre-cancel signals routed to the merchant's retention stack
  • Structured save-offer surface that integrates with existing CRM and billing
  • Switch-intent intelligence — see who's looking at competitors before they leave
  • Compatible with the wider Singula Decision Moments™ framework
Talk to merchant sales →
Live now
For banks & BaaS partners

Bank Embed

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.

  • Subscription detection and verdict scoring as licensable APIs
  • Action library — pause, cancel, switch, smooth, defer — integratable into existing app surfaces
  • Co-branded or fully white-labelled deployment options
  • UK-first; EU and US deployment configurations available
License Bank Embed →
The product roadmap

Nine tools. One platform. Wedge first, app next, revenue last.

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 Wedge — first to ship
Open Banking connection lights up every recurring payment in the bank feed and surfaces the forgotten-services finding. The 30-second wow demo that proves the proposition before the consumer has to think about it.
2026 Q1
Subscription Portfolio Consumer app
The home screen. Every active subscription, categorised, valued, scored on engagement and value-for-money, ranked by review-priority.
2026 Q2
Life Events Engine Consumer app
Single-tap handling for holiday, job change, move, illness, bereavement. Pauses or restructures the relevant subscriptions across the portfolio in one motion.
2026 Q3
Switch & Save Consumer app
Surfaces better-deal alternatives, executes the switch (cancel old + sign up new) end-to-end, and monetises via referral fees from the new merchant.
2026 Q3
Subscription Insurance Consumer app
£1–3/month premium covers 3–6 months of paused subscriptions on a verified life event. Sells to consumers; B2B angle for merchants reducing involuntary churn.
2026 Q4
Spring-Clean Mode Consumer app
Annual or quarterly mode that walks the consumer through every subscription, prompts a keep/pause/cancel decision per service, and executes batch actions.
2027 Q1
Defer & Smooth Consumer app
Payment timing tools. Smooth annual premiums across 12 months. Defer this month's bill into next two. Pay 3 months upfront and skip 1 free.
2027 Q2
Merchant-Side Console Live now
B2B tool surfacing Wallet-driven save opportunities to merchants. "Sarah Patel is about to cancel — here's what's competing for her slot, here's what we can offer to keep her." The revenue side of the network — productised and selling today.
Available now
Bank Embed Live now
White-label engine for banks and BaaS partners to embed Sweep's subscription decisioning layer inside their own consumer apps. Licensable today; UK-first deployment, with EU and US configurations available.
Available now
Three doors

Whichever side of the recurring-payments market you sit on, there's a way in.

Sweep launches in 2026. Conversations are open now with capital partners, beta merchants, and white-label bank licensees.

For investors

Back a platform that's already live.

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.

For merchants

Connect to the console.

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.

For banks & BaaS

License the engine.

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.