Transaction Verification / Subscription Security Layer
Require user approval before subscriptions or merchants can charge an account.
Puts a confirmation step in front of recurring charges: a merchant tries to bill, the user approves or declines from their phone. v1 does this by issuing a virtual card that subscriptions are routed through, because intercepting charges on an existing card is not something software can do alone.
What a v1 does5 features
- A virtual card that subscriptions are routed through
- Approve or decline each charge from a push notification
- Per-merchant rules - always allow, always ask, never
- A hard stop on any amount above a set limit
- Every attempted charge logged, approved or not
The market
Rocket Money reports $880M saved for members, and Ibotta, the nearest public comparable, took $187M from consumers in FY2025. The incumbent here has a free tier, so $8 a month has to buy something it does not do.
Where these numbers come from
| Company | Earns | Reach | Source |
|---|---|---|---|
| Rocket Money | 2.5M subscriptions cancelled · $880M+ saved | 10M+ members | Company-stated, 2025 |
| Ibotta | $187M D2C revenue, FY2025 | 54M+ registered · 18.2M redeemers | Public filings, down 22% year on year |
| Ibotta | Not published | ~461k downloads a month | Apptopia |
Why this audience
This audience is unusually alert to being charged for things they did not intend - it is a running theme. They already treat merchants as adversarial. An approval step before a recurring charge is a control they have wished aloud for.
Before it can launch
- A card-issuing partner (Lithic, Marqeta) or an issuing bank - approving a charge means sitting in the authorisation flow, which no software company does alone; PCI DSS follows from that
How the pricing works
The long build is the licence problem in disguise. v1 issues a virtual card users route subscriptions through, because intercepting charges on a card somebody already has is not something we can be in the middle of.
What it earns
Drag me Every figure recalculates as you go.
0.0091% of 11M followers · capped at 50,000
Opens on the price this idea was costed at, $8.
1,000 paying — 0.0091% of 11M followers — × $8 a month = $8,000 a month
Fifty thousand paying users is the ceiling every one of these pages is drawn against, not a forecast. It opens at a thousand, the bottom of the range, so the first figures you see are the modest ones. What the cap buys is comparability: the same range on every app, and the percentage of the audience it takes as the number that moves.
Is this the one for your audience?
We fund it, build it, and run it. You bring the audience and take a share of the revenue. Nothing to pay and nothing to build.
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