Routes In Reserve
Concept Library · Internal Strategy
07 Plays · Concept Stage · In Reserve

Seven routes, held in reserve.

The five active routes are the strategic moves Singula is currently building. The map is wider than five. These are seven additional pivot directions explored during strategy work — each with a thesis, a market gap, and a risk profile. They sit in this library as a working set of next moves. Routes flow in and out of the active portfolio as conviction develops.

The Seven Plays
Concept Stage · In Reserve
01
B2C Switching Service

Subscription Switching

Like energy switching, but for everything. A consumer-facing service that finds you a better deal on every subscription you have, executes the switch on your behalf, manages the cancellation of the old service, and pockets a referral fee from the new merchant. The energy-switching template (Octopus, USwitch) is well-understood and the consumer pull is strong if positioned right. A natural complement to Singula Wallet — same Open Banking plumbing underneath, different commercial layer on top.

Sells To
UK consumers + merchant referral network
Risk Profile
Thinly margined, regulator-adjacent
Status
Concept · In Reserve
02
B2B Issuer + Merchant Network

Pre-Failure Card Health

A B2B network sitting between issuers, card networks (Visa, Mastercard) and merchants. When a card is about to fail — expiry, change of bank, fraud reissue, address mismatch — the network proactively notifies every merchant that has it on file and helps them obtain updated credentials before the next billing cycle. Visa Account Updater and Mastercard ABU exist in fragments today, but coverage is patchy and adoption uneven. A merchant-side aggregator that guarantees the lift would be valuable.

Sells To
Merchants on subscription billing platforms
Risk Profile
Highly technical, regulated, slow sales cycles
Status
Concept · In Reserve
03
Data Service for Banks

Recurring Payment Identity Layer

Solve the "what am I paying for?" problem at the merchant descriptor level. Most consumers see "AMZN MKT*A12B3X" on their statement and have no idea what it is. Build a data service that translates statement descriptors into recognisable merchant names, products and reasons-for-charge, and licence the dataset to banks for embedding in their apps. Stripe spent years on better statement descriptors but the problem remains unsolved at scale.

Sells To
UK and EU retail banks
Risk Profile
Data-only, hard to differentiate, slow B2B procurement
Status
Concept · In Reserve
04
BaaS-Backed Fintech

Subscription-Aware Banking

Partner with a challenger bank or PSP to launch a subscription-aware account — an account where every recurring payment is automatically tagged, categorised, valued, and surfaced as a portfolio. Pause, cancel and switch tools built into the banking experience itself. A decision-support layer rather than a budgeting app. Could be co-branded with an existing bank, or built as a standalone fintech using a banking-as-a-service partner's rails.

Sells To
UK consumers via banking partner
Risk Profile
Regulatory uplift, BaaS partner needed, challenger banking is tough
Status
Concept · In Reserve
05
Consumer + Merchant Insurance Product

Subscription Insurance

A fintech product that lets consumers insure their recurring payments against life events — job loss, illness, divorce, bereavement, a change of circumstance. A premium of £1-3 per month covers the consumer for 3-6 months of paused subscriptions if a verified life event occurs. Sells to consumers but also B2B to merchants who want to reduce involuntary churn at the source. PR-friendly, genuinely novel, and easy to soundbite — the kind of product a Sunday Times feature writes itself about.

Sells To
UK consumers + merchants seeking churn protection
Risk Profile
Insurance regulation is heavy, claims experience uncertain
Status
Concept · In Reserve
06
Recurring-Payment Smoothing

Subscription BNPL

Most BNPL — Klarna, Afterpay, Clearpay — is built for one-time purchases. Subscription-aware BNPL is largely unbuilt. Offer consumers the ability to defer or smooth recurring payments — pay an annual insurance premium across 12 months interest-free, pay a gym membership 3 months upfront and skip a month free, defer this month's bill and split it across the next two. Sells into the merchant who funds the smoothing in exchange for guaranteed retention. The product Klarna would build if Klarna paid attention to subscriptions.

Sells To
Merchants seeking retention via flexibility
Risk Profile
Financial-services regulation, capital requirements
Status
Concept · In Reserve
07
Alternative Credit Data

The Subscription Bureau

Treat subscription history as a credit-bureau-equivalent dataset. Consumers who pay £400 per month of subscriptions on time for 5 years carry a credit-relevant signal nobody currently uses. Build a credit-bureau equivalent for recurring-payment behaviour, sell it into lenders — mortgage providers, car finance, BNPL — as an alternative-credit data source. Particularly relevant for thin-file consumers (young adults, immigrants, gig workers) who get poorly assessed by traditional bureaus.

Sells To
Lenders, BNPL providers, mortgage and finance brokers
Risk Profile
Regulatory complexity, slow lender adoption, consent aggregation at scale
Status
Concept · In Reserve