dLayit is an AI-powered personal finance app that intercepts impulse purchases in real time, calculates the true cost in hours worked and investment opportunity lost, and gives users a single tap to invest the money instead.
Six integrated tools that work together to permanently change spending behaviour — not just track it.
User types a purchase (e.g. "AirPods $350"). dLayit instantly shows: hours of work it costs, goal delay in weeks, 10-year investment value if skipped. One tap: Invest Instead.
Core FeatureCamera scans any product barcode or label. AI returns lowest current price online, price history, and whether it's worth buying now — all before checkout.
Pro FeatureAI generates custom negotiation scripts for cable, internet, insurance, and subscriptions. User follows the script, saves money. dLayit earns a 15% success fee on the first year of savings.
Revenue DriverClaude-powered chat that answers any financial question with personalised context: net worth, spending history, and goals. Available 24/7 with no judgment.
Pro FeatureEvery purchase intervention shows the 10-year compound value of investing the money. One tap redirects that amount to the user's linked investment account or savings goal.
Core FeatureCustomisable real-time alerts for category overspend. Goal tracker shows progress visually. Weekly AI summary of wins and areas to improve — keeps users engaged.
Retention DriverUsers share financial wins with one tap — goal progress, monthly savings, impulse buys blocked, or streak days. All shares show percentages only, never dollar amounts. Every card is branded dLayit. Uses device's native share menu (iOS & Android).
Viral Growth DriverdLayit is a B2C product with a B2B layer. Sales goals span both consumer conversion and enterprise/partnership channels.
Zero paid advertising in Year 1. All growth through content, community, and earned media — because the product story sells itself.
Four revenue streams across consumer and enterprise channels. No advertising. No selling user data. Revenue is aligned with user outcomes.
| Revenue Stream | Rate / Structure | Year 1 Target | Notes |
|---|---|---|---|
| Pro Subscriptions (monthly) | $9.99/user/mo | $60K ARR | 500 paying subscribers by Month 12 at monthly rate |
| Pro Subscriptions (annual) | $89/user/year | $26K ARR | 300 annual subscribers — lower churn, higher upfront cash |
| Bill Negotiation Success Fee | 15% of Year 1 savings | $30K | 2,000 users × avg $100 saved × 15% = $30K. No savings = no fee. |
| B2B Employer Licensing | $3–$5/employee/mo | $54K ARR | 3 employers × 300 employees × $5 × 12 months |
| Affiliate / Invest Instead | CPA per funded account | $12K | Partner with brokers (eToro, Robinhood, etc.) — earn $20–$50 per user who opens an investment account through dLayit |
| Total Year 1 Target | — | ~$182K | Conservative. All figures based on realistic conversion benchmarks. |
dLayit's core value proposition is fighting bad spending. Showing ads would directly contradict that. No ad revenue — ever. User trust is the asset.
Every revenue stream is tied to user success. Bill negotiation fees only trigger when users save money. Affiliate fees only trigger when users invest. We win when they win.
CAC target: under $5 (organic-first). LTV of annual Pro: $178 (2-year avg). LTV:CAC ratio target: 35:1. Break-even projected at Month 14.
dLayit is currently available as a Progressive Web App (PWA) — installable on any iPhone or Android in under 30 seconds, no App Store required. A native app submission is in progress.
1. Open dLayit in Safari
2. Tap the Share button ⬆ at the bottom
3. Tap "Add to Home Screen"
4. Tap Add
dLayit appears on your home screen and runs full-screen like a native app. Works offline.
1. Open dLayit in Chrome
2. Tap the Menu ⋮ top right
3. Tap "Add to Home Screen" or "Install App"
4. Tap Install
Runs full-screen, loads instantly, works offline. Behaves identically to a native app.
Practical finance content that shows you exactly what bad spending costs — and what your money can become instead.
Most people track what they spend. Almost nobody tracks what that spending costs them in compound growth. We ran the numbers — and they're staggering.
One question before every purchase changes everything. Here's the exact framework dLayit uses to intercept bad spending in real time.
Compound growth doesn't care about your income. It cares about consistency. We show you exactly how $200 saved monthly becomes $100K+.
Cable, insurance, internet — most providers will cut your bill if you ask the right way. We give you the exact scripts.
Not every purchase is bad. Here's how dLayit's AI Coach uses your real numbers to give you advice that's actually personalised.
Emergency funds, down payments, early retirement. The gap between setting a goal and reaching it comes down to one behaviour dLayit is built around.