Moniv connects everyday payments, retailer tools and privacy-protected market intelligence—putting people in control of the value their financial behaviour creates.
Each surface reinforces the next: consumer consent creates data density, retailers fund engagement through loyalty and promotions, and aggregate transactional and behavioural data funds the consumer Money Pot.
Bank connections, Money Pot, receipt uploads, surveys, ratings, competitions and Moniv Pay.
Explore the app ↗ 02 · Connected commerceMoniv Pay, app-based receipts, verified transactions and automagical loyalty at the point of sale.
Explore EPOS ↗ 03 · Retailer growthCampaigns, loyalty offers, stock and sales signals, paid customer surveys and promotions.
Explore the portal ↗ 04 · Market intelligencePrivacy-safe report building, watchlists, paid intelligence and protected cohort thresholds.
Explore the platform ↗Privacy-led value exchange
Each product solves a clear problem on its own. Together, they create a powerful, privacy-led feedback loop between consumers, retailers and the wider market.
A consumer-controlled financial estate where people understand spending behaviour, manage preferences, and earn from approved data value.
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A point-of-sale surface for Moniv Pay, receipt-led acquisition, loyalty prompts, and first-party transaction capture.
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A retailer command centre for campaigns, loyalty, paid questions, and privacy-safe journey insight before and after a visit.
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Aggregated market intelligence sold as reports and signals, with thresholds that prevent raw user records being exposed.
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Moniv is designed to turn financial behaviour into useful intelligence without turning people into inventory.
Explore the data platform ↗Users control what they connect, what they answer, and which preferences stay active.
Personal data is pseudo-anonymised before becoming market-level intelligence.
Moniv never sells individual data rows, individual data sets, or user information for marketing purposes.
Retailers and analysts receive cohort-level signals, not private customer identities.
Explore the vision, commercial model and connected products behind a consumer-controlled financial data network.
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