✅ MVP Live on TestFlight · Seed Round Open

The UK's First Open Banking Rewards Optimizer

MaxRewards proved the model in the US ($4M raised, 800K users). No one has done it for the UK's 32 million credit card holders — until now.

Request Investment Info See the Product
£2.1B+
Rewards left unclaimed annually
0
Direct UK competitors
SEIS
Advance Assurance in progress
Rewards4all App - Dashboard showing net worth, card recommendations, bonus tracking, and Quick Ask
Current Traction

Beyond Ideation — MVP is Live

Functional product on TestFlight with real Open Banking integration, not a slide deck.

📱
iOS App
Live on TestFlight
Live
🏦
Open Banking
TrueLayer FCA-regulated
Integrated
💳
50+ Cards
UK card database seeded
Live
☁️
3 Services
Deployed on Google Cloud
Production

Development Timeline

Q4 2025
✓ Core platform built: FastAPI backend, React Native mobile, PostgreSQL database
Jan 2026
✓ Open Banking integration with TrueLayer (FCA-authorized)
Jan 2026
✓ Card recommendation engine with NLP-powered Quick Ask
Feb 2026
✓ Sign-up bonus tracker, location-based notifications, unified net worth dashboard
Feb 2026
✓ iOS TestFlight build v1.2.0 distributed, Android build ready
Q2 2026
● App Store submission & public beta launch
The Problem

UK Consumers Leave Billions in Rewards on the Table

The average UK household has 2.3 credit cards but rarely uses the optimal card for each purchase.

💸

£2.1 Billion Wasted

UK consumers miss out on over £2.1 billion in potential rewards annually by not optimizing their card usage across categories.

🤯

Too Complex to Track

Varying cashback rates, bonus categories, rotating offers, and sign-up bonus thresholds make manual tracking impossible.

📱

No UK Solution Exists

MaxRewards (800K users, $49/yr) and CardPointers (~$1M ARR) proved the model in the US. Neither operates in the UK.

The Product

Built, Not Planned

A working platform on TestFlight today, not a wireframe. Here's what's live.

💳
Best Card Engine

Type "£50 at Tesco" and instantly see which card earns the most. NLP-powered merchant detection across 500+ UK retailers.

  • Natural language Quick Ask input
  • Category-based recommendation algorithm
  • Pence-per-point valuation engine
  • Savings comparison vs. worst card
🏦
Open Banking

Connect UK bank accounts via TrueLayer's FCA-regulated API. Real transaction data powers smarter recommendations.

  • Real-time balance aggregation
  • Automatic spending categorisation
  • Transaction history across all banks
  • Unified net worth dashboard
🎯
Bonus Tracker

Track progress toward sign-up bonus thresholds across every card. Alerts when you're falling behind pace.

  • Spend progress visualisation
  • Deadline and pace alerts
  • Estimated bonus GBP value
  • Multi-card tracking

Also Built & Live

Location-based card notifications (30+ UK retailer geofences) · Spending insights & analytics · Points-to-GBP conversion · Google & Apple sign-in · Smart expiry & devaluation alerts

Technology Stack

React Native
iOS & Android
FastAPI
Backend API
PostgreSQL
Cloud SQL
TrueLayer
Open Banking
Google Cloud
Serverless Infra
Redis
Rate Limiting
Next.js
Web Dashboard
Secret Manager
Token Security
Key Differentiator

Open Banking: The Advantage US Competitors Can't Replicate

The UK's regulatory framework gives us a structural advantage over US incumbents.

📍

Location-Based Recommendations

Walk into any store and get a push notification with the best card to use. 30+ UK retailer geofences active.

🏦

FCA-Regulated Data Access

TrueLayer's Open Banking APIs provide secure, real-time transaction data. No screen scraping like US competitors use with Plaid.

📈

Unified Net Worth View

Bank balances + rewards value in a single dashboard. See your complete financial picture across all accounts and cards.

🔔

Proactive Intelligence

Expiry warnings, devaluation alerts, bonus deadline tracking, and optimisation opportunities surface automatically.

App Features - Open Banking, spending analysis, reward tracking, alerts
Market Opportunity

Proven Model, Untapped Market

US competitors have validated the business model. We're applying it to a market with zero competition.

32M
UK Credit Card Holders
£295B
Annual Card Spend
£2.1B
Unredeemed Rewards
0
Direct UK Competitors

US Comparables — Proof the Model Works

Metric MaxRewards (US) CardPointers (US) Rewards4all (UK)
Founded 2016 2019 2025
Funding $4M (Seed) $0 (Bootstrapped) £500K (Raising)
Users 800,000+ Est. 20,000+ TestFlight beta
Revenue ~$3.7M ARR ~$1M ARR Pre-revenue
Employees 7 1 (Solo founder) 2 co-founders
Pricing $49/year $49.99/year £49/year (planned)
Open Banking No (Plaid) No Yes (TrueLayer)
UK Market No No First mover
Business Model

Four Revenue Streams

Diversified monetization with proven unit economics from US comparables.

💳 Card Affiliate Referrals

Commission when users apply for credit cards through our platform. UK card issuers pay £50–£150 per successful application. MaxRewards generates significant revenue from this channel.

Primary — £75–£150 per conversion

⭐ Premium Subscription

£49/year for advanced features: unlimited cards, priority alerts, spending insights, bonus tracking, and family accounts. Matches proven US pricing model.

Recurring — £49/user/year

🎯 Merchant Partnerships

Location-based offers from retailers. When users are near a store, we can surface targeted offers. Revenue share on incremental spend driven through the platform.

Growth — CPA per redemption

🏢 B2B White-Label API

License the recommendation engine and card database to banks, card comparison sites, and financial advisors. They embed our intelligence into their products.

Enterprise — SaaS licensing
Go-To-Market

How We Acquire the Next 3 Customers — and the Next 3,000

Evidence-based acquisition strategy, not big-number market-capture slides.

1
Seed Community (Q2 2026)

Launch on App Store. Target UK credit card communities (Head for Points, MSE Credit Club, Flyertalk UK). These power users are our early adopters and evangelists. Free tier with premium upsell.

1,000 users £0 CAC (organic) 10% premium conversion
2
Growth Engine (Q3-Q4 2026)

Referral programme (give £5, get £5 credit). Content marketing via card review SEO. Strategic partnerships with UK personal finance influencers. Browser extension for online shopping.

10,000 users £5–£12 CAC £49K ARR target
3
B2B Channel (2027)

White-label API for card comparison sites and neobanks. They gain intelligent card recommendations for their users; we gain distribution at near-zero marginal CAC.

B2B SaaS revenue 50K+ indirect users Series A ready

First Customer Segments

Not "10% of a multi-billion market." These are the specific people we're acquiring first and how.

UK Points & Miles Enthusiasts
~400K people

Active on forums like Head for Points and MSE. Hold 3–5+ credit cards. Already manually optimising but want automation.

Acquisition: Community engagement, content partnerships, forum presence. £0 CAC — they're actively searching for this product.
Multi-Card Holders
~4M people

Hold 2–3 cards but don't optimise which to use. Know they're leaving rewards on the table but find it too complex.

Acquisition: App Store search, referrals from power users, personal finance content SEO.
Card Comparison Sites & Neobanks
B2B opportunity

MoneySuperMarket, Compare the Market, Starling, Monzo — they need card intelligence to serve their users better.

Acquisition: Direct outreach with working API demos. Revenue: SaaS licensing + affiliate share.
Path to Profitability

Default Alive — Next Round is Optional

Unit economics that work at scale. Designed so profitability doesn't require further fundraising.

Blended CAC
£8
Community-first strategy. Power users acquired at £0; paid channels at £12–£18.
Annual LTV
£85
£49 subscription + £36 affiliate revenue per active premium user.
LTV:CAC Ratio
10.6x
Well above the 3x benchmark. Healthy unit economics from day one.

Revenue Projection: Conservative Scenario

Metric Month 6 Month 12 Month 18 Month 24
Registered Users 2,500 10,000 35,000 100,000
Paid Subscribers (10%) 250 1,000 3,500 15,000
Subscription Revenue £12K £49K £172K £735K
Affiliate Revenue £5K £24K £72K £180K
Total ARR £17K £73K £244K £915K

Breakeven at ~£25K monthly costs requires ~500 paid subscribers + affiliate revenue. Achievable by month 10–12.

Return on Investment

How Investors Get Paid

Multiple exit paths in a consolidating loyalty and fintech sector.

🏢

Strategic M&A

Card comparison sites (MoneySuperMarket, Compare the Market) and neobanks (Monzo, Starling, Revolut) need reward optimisation to retain users. Our technology, data, and user base make us an acquisition target.

🌍

US Competitor Expansion

MaxRewards or CardPointers entering the UK market is easier via acquisition than building from scratch. Our Open Banking integration, UK card database, and regulatory compliance are difficult to replicate.

💰

Sustainable Dividends

CardPointers proved a solo founder can build to ~$1M ARR. With a lean team and 85%+ gross margins on subscription revenue, profitability enables dividend distribution as an alternative to exit.

Comparable Exits & Valuations in Loyalty Tech

Cardlytics
Card-linked offers platform. IPO 2018.
$2.9B peak market cap
Dosh / Cardlytics
Cash-back app acquired 2021.
$500M+ transaction
Revolut Rewards
Built in-house at significant cost.
Build vs. buy opportunity
MaxRewards
$4M raised, ~$15-20M implied valuation.
4-5x on $4M in
The Team

Technical Founders Who Build

The entire platform was built by the founding team. No outsourced development.

S

Sam Arora

Co-Founder & CTO

Full-stack engineer who built the entire platform — backend, mobile app, cloud infrastructure, and AI engine. Previously built AI underwriting automation at LGA Insurance processing live insurance applications. Deep expertise in fintech, Open Banking, and scalable cloud architecture.

A

Anubhav Sood

Co-Founder & CEO

Experienced in UK financial services with a track record in business development and strategic partnerships. Driving go-to-market strategy, investor relations, and commercial partnerships. Deep understanding of the UK credit card and rewards landscape.

Investment Opportunity

Join Our Seed Round

Milestone-driven capital deployment with a clear path to profitability.

£500K
Seed Round · 10% Equity · £5M Post-Money
£250K SEIS + £250K EIS · ASAs available for early commitment
✅ SEIS/EIS — Advance Assurance in Progress

We have applied for HMRC Advance Assurance confirming SEIS/EIS eligibility. This means investors can expect up to 50% income tax relief (SEIS) or 30% (EIS), plus capital gains tax exemption and loss relief on qualifying investments. Advance Subscription Agreements (ASAs) are available for investors who wish to commit now, with shares issued under SEIS once assurance is confirmed.

Investor Tax Benefits (SEIS £250K + EIS £250K)

50%
Income tax relief on SEIS (first £250K)
30%
Income tax relief on EIS (remaining £250K)
0%
Capital gains tax on profits (3yr hold)
45%
Loss relief at marginal rate if company fails

Example: A £50K SEIS investment effectively costs £25K after income tax relief. If the company fails, further loss relief reduces net exposure to ~£13,750.

Use of Funds — Milestone-Driven

Product & Engineering App Store launch Q2. Expand card DB to 500+. Browser extension Q3. B2B API Q4.
£150K
User Acquisition & Growth 1,000 users by Q2. Referral programme launch. Content & SEO for card reviews.
£125K
Strategic Hire Growth lead to own acquisition, partnerships, and B2B channel development.
£100K
Operations & Compliance TrueLayer live banking. FCA indirect authorisation. GDPR compliance audit.
£75K
Contingency Reserve 12-month runway buffer. Ensures next round is optional, not required.
£50K

Request Investment Info

Get access to our pitch deck, financials, and schedule a live product demo.

Live Data

Platform Metrics

Real-time data from our production platform. Updated live.

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Registered Users
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Daily Active Users
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Monthly Active Users

Engagement

DAU/MAU Ratio --%
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Platform Uptime 99.9%

Referral & Virality

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Viral Coefficient --

Feature Adoption

Cards Added --
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Recommendations Viewed --
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User Growth (Last 30 Days)

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📍 -- UK Cards in Database
⚡ 28 API Endpoints
🟢 99.9% Uptime
🕑 Updated --