The education layer
Financial literacy that builds verifiable credentials.
Five to eight minutes a day. Applied learning across five layers of the UK financial system. Each completed layer issues a W3C Verifiable Credential. Alongside the credentials, the app tracks three behavioural signals — saving consistency, payment compliance and financial literacy. No aggregate score. Each signal is a separate attribute the lender can interrogate.
Product preview
Explore the preview. Tap any screen.
Alex
Layer 3 · Practice
Good morning, Alex
SAVING
Active
PAYMENTS
Verified
LITERACY
Layer 3
3 signals · no score · tap to see evidence →
YOUR 5-LAYER JOURNEY
How UK lenders read a credit record, in 3 minutes
Consistent saving
Mark if you transferred to savings
Payment on time
Bills up to date · Open Banking confirmed
Learning · in progress
Lesson recommended · tap Start
£7.42
Open Banking · read-only · informational only
Lesson 10
Layer 3 · Practice
3 of 5 · 60% complete
How UK lenders read a credit record, in 3 minutes
Which of these do lenders generally see as a positive sign?
My Financial Behaviour
ⓘ Evidence only — no score
Each signal is a separate attribute. No aggregate number. The lender sees the evidence directly.
Open Banking · 12 months of recurring transfers
Open Banking · 18 months · bills on time
Layer 3 · 3 of 5 lessons complete · W3C VC issued at Layers 1 & 2
Private by default
Your behaviour signals are yours. Tap to manage what you share and with whom.
Manage preferences →
Round-up
£7.42
across 12 purchases
£29 / month
£348 / year
Feeds your Consistent saving category
ⓘ Informational only
CashKi connects via Open Banking in read-only mode. We do not move your money. Zero custody. Powered by OBIE UK standards.
Vouch Network
3 vouches received
María T.
LATAM UK · 12 days ago
"Reliable with payments, always on time."
Ahmad K.
MENA UK · 21 days ago
"Punctual with monthly transfers."
Sara W.
Bootcamp peer · 34 days ago
"Committed to the learning path."
2 vouches given
Sam K.
EU UK · 5 days ago
Noor B.
LATAM UK · 18 days ago
User-initiated: Verify your mortgage application cross-border.
Institution-initiated: When a lender queries your profile (transparent notification to you).
Verifiable across borders
Credentials Wallet
🏆
4 credentials issued
1 more to unlock formal certification
UK Financial Fundamentals
Layer 1 · Orientation · Completed
Issued May 2026 · did:cashki:app · W3C VC 2.0
UK Credit Products
Layer 2 · Learning · Completed
Issued Jun 2026 · W3C VC 2.0
Systematic Saving
Layer 2 · Behaviour · Completed
Issued Jul 2026 · W3C VC 2.0
Budgeting Mastery
Layer 2 · Learning · Completed
Issued Jul 2026 · W3C VC 2.0
Applied Financial Practice
Layer 3 · Practice · 60% complete
Financial history · Romania 6 years · bank-verified Identity: confirmed Approx. translation: labelled
W3C Verifiable Credentials 2.0
Share preferences
🔒
Private by default
Choose what to share and with whom. Granular. Revocable at any time.
Total record
Everything on your record
Full breakdown
Behaviour categories
90-day history
Rolling window
Educational Credentials
4 VCs · W3C 2.0
Vouches received
3 peer vouches
No authorised party yet
Your rights
• Revoke access at any time
• Notified of every query
• Full access history in Settings
GDPR
The connection
What the app generates is what the infrastructure layer emits.
From the credentials wallet
BEHAVIOURAL EVIDENCE · UK Payment compliance 18 months · Open Banking Consistent saving active · 12 months Financial literacy Layer 3 · W3C VC Cross-border history Romania · 6 years ───────────────────────────── No score. Evidence only.
In the mechanism animation (Step 04 · Emit)
FINANCIAL EVIDENCE · Romania History 6 years · verified Source Open Banking · bank-direct Identity Confirmed Translation Approximate · labelled ───────────────────────────── No score. The decision stays with the lender.
The same evidence. The app is where the applicant's financial history is verified and packaged. The infrastructure layer ties it to their identity, records where it came from and how it was checked, and makes it readable to a lender in another country. The lender receives evidence — not a verdict.
Designed around published standards