Founding team · Canada · Pre-seed

Two seats.
One fight.

India's 1% Club proved a generation will pay to be taught money by people who aren't banks. Nobody has built it for Canada. I've built the product half — I'm looking for the CMO and CTO who build the other half with me.

Start a conversation → Let the product argue first

Canadian banks post record profits.
It was partly your money.

The gap nobody in Canada is filling
Why now

Three facts stacked
on top of each other.

01 · The incentive gap

Every neobank wants to hold your money.

KOHO, Neo, EQ, Wealthsimple — all monetize deposits, interchange or AUM. None of them can build a product whose economics improve when you pay institutions less. That's structural, not competitive.

02 · The timing

Open banking is finally moving in Canada.

Whoever owns the consumer trust layer before the rails open gets the distribution when they do. That window is measured in months.

03 · The generation

Gen Z knows they're being taken.

They have no tool that says it out loud, in their language, with their own numbers. Education, community and a product — not another dashboard with charts.

The position

Looni isn't a bank.
Looni is the referee.

Neobanks are teams. We score them all — including the ones we recommend. In Canada, that's a category of one.

Already built

Not a deck.
Running code.

I left my job and shipped the hard part first. Every claim below is tested, not planned.

✓
On-device statement engineDrop a PDF — parsed entirely in the browser, never uploaded. Reconciled to the penny against a real bank's own printed totals.
✓
The AI that gives ordersOne imperative card: "Do this next." Biggest dollars first. It learns — dismissals reweight the feed, forecasts score their own error monthly.
✓
Deterministic leak scanFees, NSF, ghost subscriptions, interest, idle cash — named, priced per year, with the fix. Explainable, never a black box.
✓
The Rate FightPooled mortgage renewals by region. Collective bargaining as a feature — and a growth loop, because scale is the product.
✓
Seven Canadian money toolsIRD break-penalty trap, credit-card minimum trap, 50/30/20 on real take-home, rent vs buy, true car cost, TFSA growth.
✓
Shipped plumbingOpt-in Plaid (read-only), local history, installable PWA, iOS build ready, press kit, in-product share cards.

What doesn't exist yet:
users.

You should know that before call one, not after
The model

Free proof → paid intelligence
→ collective power.

Free tool

Statement scan, leaks, all seven calculators. No signup wall, no bank login. Nobody believes "your bank takes $400/yr" until they see their number.

Membership

$4.99/mo. Month-over-month intelligence, new-charge alerts, priority features. Cheap enough that closing one leak pays for a year.

Community

The Rate Fight. Regional pool counters, collective negotiation. Members recruit members because the promise requires scale.

Education

Canadian-specific and unglamorous: TFSA/RRSP/FHSA, IRD penalties, HISA rates, credit. Acquisition and retention in one motion.

Aligned revenue

Referral splits with the $0-fee institutions our scan already recommends. Deterministic ranking, never pay-to-play — and we say so in-product.

The two seats

Co-founders.
Not employees, not advisors.

Seat 01

CMO — Growth

You believe distribution is a product, not a budget line. You've built an audience or a movement — Canadian personal finance, fintech, or creator-led growth.

  • Own the story: "Canadians are unionizing their mortgage renewals" is a headline waiting for a journalist
  • Own the channels: r/PersonalFinanceCanada, TikTok, Reels, founding-member cohort
  • Own the Rate Fight as a campaign, not a feature

Why it's real: the product already manufactures shareable moments — every user's leak number renders to a branded card in one tap. You amplify a number, not hype.

Seat 02

CTO — Engineering

You care that the privacy claim is architectural, not a policy page. You'd own the engine, the rails, and the learning loop.

  • Parser robustness across every Canadian institution — the hardest, most defensible work here
  • Plaid rails and open-banking readiness as the framework lands
  • The ML that makes the CFO sharper each month; mobile; security posture

Why it's real: the hard part is already proven solvable — penny accuracy on real statements. You're scaling a working engine, not gambling that one can exist.

The honest part

  • Equity and conviction, not salary — until we raise or revenue covers it. Meaningful co-founder equity, vesting, real title, real decision rights.
  • Zero users today. Everything above is conviction plus working code, not traction.
  • Canadian consumer fintech is a brutal CAC market and incumbents have infinite money.
  • Plaid production access, App Store approval and affiliate agreements are pending, not secured.
  • The product has one person's fingerprints on it. It needs two people genuinely better than me at their half.

If that filters you out, the filter worked. If it reads as "solvable, and early is the only time it's cheap" — let's talk.

I'd rather own a third
of something that works.

One email. No deck required — the product is live and it argues better than I do.

makingcentsai@gmail.com
Looni · Built in Canada 🇨🇦 · loonifinancial.com · Press kit
Product claims describe tested behaviour on real statements. No user, revenue or savings totals are claimed — there aren't any yet, and we don't invent them. Looni is an educational tool, not a licensed advisor, and not a bank.