Cache Money

Inspiration

Millions of pounds in UK benefits go unclaimed every year, and the people missing out are the ones with the least time and energy to fight forms: single parents, carers, people on low incomes, people new to the UK. When the rules change, nobody rings them up to tell them.

A real example: the Universal Credit two-child limit was removed from 6 April 2026. A single mum with three children whose award still only pays for two could be missing about £300 a month, and she'd have to know the rule changed, find the right form and write to DWP herself.

Banks see the warning signs, like rent due two days before Universal Credit lands, but they rarely say anything until the payment has already bounced. We wanted to build the friend who knows the rules, spots the problem early and helps you fix it, and who you can just talk to.

What it does

Fola is a voice-first AI money coach. You press one big button and talk.

Finds money you're owed. A rules engine checks your situation against real UK rules, each with a gov.uk source: the Universal Credit child element, Council Tax single person discount, Healthy Start and free school meals. Warns you before a bill bounces ("financial time travel"). Fola works out your current-account balance day by day from your regular payments and your usual daily spending, and flags the first bill you can't cover, e.g. "Your rent is due on Thursday the 12th and you may be about £80 short." Spots money leaking away. It flags new subscriptions that don't fit your history, like a YouTube Music charge you never meant to sign up for. Asks only what it needs. It never asks for something your profile already says, and anything you tell it is saved so it never asks twice. Acts, but only with your permission. It drafts the UC journal message, the cancellation email, a reminder or a small top-up from your savings. It tells you in one sentence who it goes to and what it asks for, and does nothing without a clear "yes". If you say no, it stops. Keeps evidence. Every approved action is saved as a dated report you can show the council, the Jobcentre, your landlord or a solicitor. Knows its limits. For debt, legal problems or a crisis, it says so honestly and points you to Citizens Advice, StepChange, Shelter, MoneyHelper or Samaritans