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Product · Manage · Embedded money management

Your money tools, run on a real number.

Your app calls the endpoints; Pouch returns the live free-cashflow number. You render, we calculate.

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Free cashflow · from Pouch API

£1,284

Left to allocate

Your money management toolSet a limit per category
Groceries£0
Eating out£0
Transport£0
Subscriptions£0
Savings£0
Your UI, your brandUpdates as transactions landEndpoints in, number back

01

The engine at work

Watch it detect every pay cycle.

Switch Pouch on and the guesswork becomes a live number. It is never finished.

Set your budget

How much can you spend?

£

Marked on track, with no idea when you are actually paid or how much you can actually spend.

02

The layer

The intelligence underneath your tools.

Not another budgeting app: the number underneath yours.

Any sourcePOUCHAPIYour modelGROCERIESPlaidfood_and_drinkTrueLayerSupermarketTinkeating-out

Any provider, any model, any label format: ingested into one layer.

03

Integration

Built to clear your security review.

REST API & JSON
Sandbox keys
Webhooks on re-settle
Versioned changes
You stay controller
SOC 2 compliant
1# Authenticate with your API key, then fetch a customer's cashflow.
2curl https://api.pouchlimited.com/v1/cashflow/cus_8f2a \
3 -H "Authorization: Bearer $POUCH_API_KEY"
4
5# Response: income and expenses, each with its detected cycle,
6# plus the free cashflow produced live from those cycles.
7{
8 "income": [{ "source": "Salary", "amount": 2100, "cycle": "Last business day" }],
9 "expenses": [{ "source": "Rent", "amount": 950, "cycle": "28th" }],
10 "freeCashflow": 1284
11}

One REST API, callable from any language

Sandbox keys, JSON responses, and versioned, backwards-compatible changes.

04

Outcomes

What it changes for you.

0×

the deposits of a primary-relationship customer.

0%+

day-30 retention on real cashflow intelligence.

good-outcome evidence for regulatory reporting.

05

Industries

Pouch across industries.

Retail banks & credit unionsBusiness & SME banksPersonal finance appsBusiness cashflow appsRetail bankingBusiness bankingSME cashflow lendersConsumer lenders & BNPLFractional CFOs & advisers

06

FAQ

What procurement asks.

Where does our customer data go?
You remain the data controller. We process it only on your instructions, as your data processor, and we never sell or share it.
Do we have to replace our categorisation model?
No. The layer sits on top of whatever you already run, yours or any open-banking provider's.
How long does integration take?
Integration is via our API. We agree the timeline with you before the pilot starts.
What is the commercial model?
Typically per-customer or licence-based. We scope pricing with you on the call.
Next step

See it run on your own customers' data.

The Three-Stage Pilot: your categorised transactions through the full engine, live.

Book a demo

Free cashflow

£0

Produced by the engine, calm and yours