You are entitled to more than you can see.8 keeps the list, and tells you before any of it runs out.
Every discount, benefit, credit and voucher attached to your life sits in a different app, portal or PDF. Nobody has the whole picture, so things quietly expire. 8 holds that picture in one place, with the terms attached and the dates live.
Four ordinary examples. Each one is a date somebody is going to miss.
Utility, visibility, sharing
- Utility
Worth opening on an ordinary Tuesday. Warnings before something lapses, and your loyalty barcodes ready at the till.
- Visibility
Everything you hold in one list, with the terms attached and an honest label on every figure.
- Sharing
Most perks can be shared and almost none are, because nobody knows what anyone else has.
Behind it
The order matters and it changed. The product originally led with visibility, on the theory that seeing everything is the value. Stress-testing it by deletion said otherwise: delete the register and keep the warnings and the product still works, delete the warnings and keep the register and you have a spreadsheet nobody opens.
So utility leads, and the register exists to feed it. In one sentence: 8 holds a dated register of everything you are entitled to, warns you before any of it lapses, and lets you add your own perks and share them with people close to you.
Six things, in the order you meet them
There is no setup wizard to survive and nothing to connect. You tell it what you have, and it starts doing the work.
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1 You tell it what you hold
Tap your cards, your bank account, where you shop, what you do and anything true about you: student, NHS, over 60, union member. Three questions is enough to show you something real. Nothing is linked and nothing is scraped. 8 does not ask for a bank login because it never needs one.
Behind it
This is the decision everything else hangs off. Not holding credentials means no credential breach, no third-party terms to violate, no consent renewals, and no expensive data pipeline. The trade is that live balances are unavailable, which is a real cost and worth paying.
It also fixes the cold start. A person who ticks four things has a useful register immediately, because their entitlements come from a shared database rather than from their own transaction history.
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2 You add the things no database would know
20% off at your gym through the football club. Member rates at your building society. The code on the noticeboard at work. Type it, photograph it, forward the email, or just name your employer. It becomes a real dated entry and behaves like everything else, warnings included.
Behind it
The odd ones are the valuable ones. No scraper will ever find a discount arranged between a gym and a five-a-side team, and those are exactly the perks people feel clever about having.
It is also the cheapest way to grow coverage. Users describing their own long tail is a data source competitors cannot buy, and it turns the weakest part of a database into the most personal part of a register.
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3 It warns you before something lapses
Quarterly credits close. Voucher boosts end. Railcards expire. Benefit windows open and shut. Those dates are knowable and nobody tells you about them, so 8 does. At most two warnings a week, and only when something is genuinely worth the interruption.
Behind it
This is the engine. The money in this category does not leak at the till, it leaks at renewal, and renewal dates are perfectly predictable from terms alone with no bank access at all.
The two-a-week cap is a deliberate constraint. Chasing a small geo-triggered nudge is a losing behavioural bet and trains people to ignore the app, so an alert has to clear a value floor to earn a send.
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4 You ask before you buy
Tell it what you are about to spend on and it lays out what each card and perk you already hold gives you for it: rewards, protections, portals, codes. It is a comparison, not a recommendation. On a £2,000 laptop one card might earn more while another carries Section 75 protection. Which of those you want is your call.
Behind it
Comparison rather than ranking is a deliberate line. Recommending a regulated product moves a company into advice territory, with the permissions and liability that follow. Laying out published terms side by side does not.
It is also more honest. The best card for rewards is frequently not the best card for protection, and a single "use this one" hides the trade-off that actually matters on a large purchase.
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5 It finds what you are paying for twice
Spotify while your phone plan already includes a music service. Phone insurance your packaged account already covers. Travel cover in two places. 8 shows both sides, the limits and the exclusions, and the questions to ask. Then you decide, and you tell it what you did.
Behind it
8 never says cancel. It shows a duplication as a duplication and hands over the questions, because telling someone to drop insurance cover is advice, and getting it wrong on an insurance product is the kind of mistake a small company does not survive.
Government figures put unwanted UK subscriptions at roughly 10 million, costing about £1.6bn a year. It is the most concrete, most immediate value in the product.
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6 You share with the people close to you
Your dad's staff discount reaches his household. Your friend has two unused guest lounge passes. Your gym gives you four guest passes a year. Each perk is switched on deliberately by whoever holds it, and asking sends them a request they can decline. Nothing is transferred and no credential ever changes hands.
Behind it
This is the part nobody else does, and the part a bank cannot copy, because your bank cannot show you what your mother is entitled to.
It is also where the sharpest risk sits. Staff discounts are usually personal and non-transferable, and misuse is a disciplinary matter for the employee. So 8 shows the scheme's own clause and never asserts that anyone qualifies. In the current database 41 entitlements are marked household-shareable and no staff or blue-light scheme is among them.
The same eight screens, in a phone, right here
Press a stage and the phone changes screen. Everything in it works: add a perk, open a warning, play the comparison, confirm a saving. It is the real app markup, not a picture of it.
Best on a wider screen. Nothing here is connected to anything. Open the walkthrough on its own
Four things 8 will never do
Each of these is a decision rather than a missing feature, and together they are the reason a register can be trusted with the knowing.
No bank logins, no card credentials, no loyalty passwords, no employer portal sign-in. Not now and not later.
It will tell you six offers expire on Friday and open the right screen in the right app. You tap.
It shows what you hold, what the terms actually say, and where two things overlap. You decide.
If you tell it you used something, it records that you told it, and says so on the face of the number.
You decide and you act. 8 makes sure you know what you have got.
Behind it
These read like modesty and are actually strategy. Automated offer activation breaches the published terms of at least one major card issuer, and users of tools that do it have had accounts frozen. Recommending someone cancel insurance walks into regulated advice. And a self-reported savings total is a number the company invents about itself, which survives contact with exactly nobody.
Removing all three removes the most likely ways this dies, at the cost of some magic. There is no "one tap and every offer is live". That demo is seductive and each version of it is a lawsuit, a support queue or a frozen card.
Every figure carries its provenance
A perk in 8 never appears as a bare number. It arrives with how sure the app is, where the fact came from, and when it was last checked.
| Label | What it means when you see it |
|---|---|
| Confirmed | A source page was actually read and it says this. The only kind of fact used for anything sent to you. |
| Likely | Well established, but the authoritative page is not public or the detail shifts between product generations. Worth checking yourself. |
| Varies | Genuinely depends on your plan, or it is promotional and being withdrawn. Often the most useful line on the screen, because it tells you to go and look. |
| You entered this | A balance or perk you typed in, stamped with the date. Honest and slightly stale beats invented and fresh. |
Behind it
The current database holds 162 entitlements across 52 issuers: cards, bank tiers, supermarket loyalty, telco bundles, memberships, employer schemes, life-status entitlements, and the statutory protections that apply to everyone.
The model only works if confirmed is expensive to earn. A record without a retrieved source cannot be confirmed, no matter how confident anyone feels. The moment that slips, the labels stop meaning anything and the interface starts making promises it cannot keep.
Balances are the honest weak spot. 8 cannot see a Clubcard or Nectar balance, so it asks you, and only when a date makes the answer matter. The alternative, nagging people for data maintenance, is how a register turns into homework and homework is how apps get deleted.
Two numbers, kept separate on purpose
8 tracks what is available to you and what you have told it you used. It never blurs the two, and it never counts something because you tapped a button.
Everything currently in your register. Rises when you add a perk or update a balance, falls when you use something.
Moves when you say you used something. Opening a link, reading a warning or approving a share does not touch it.
A weaker signal, kept separate: 8 showed you something and you opened it. Never mixed into the pounds.
Behind it
Most apps in this category count a saving the moment a user taps something, which inflates the number with substitution, induced spend and good intentions. 8 counts nothing until a person says they did it, which produces a smaller and defensible figure.
The honest cost: almost nobody returns to press "I did this", so the confirmed number will read low and look like failure when it is really unobservable success. That is why the passive signal exists alongside it, clearly labelled as weaker.
The north star is not pounds at all. It is entitlement coverage: how much of what a person actually holds the register knows about. Pounds are the marketing number and coverage is the real one.
An honest status
This is a prototype, not a product
There is no account, no login and no backend behind the app. Every figure in it describes one illustrative person. Nothing is connected to any bank or scheme, and the app itself says so on its home screen.
The database is real and sourced, and it has thin spots: employer schemes and life-status entitlements are the least covered, and they are exactly where the surprises live. Forty-seven records are marked high volatility and none has been re-verified since it was written.
Nothing here has been tested on a single person outside the people who built it. That is the next step and it is deliberately small: thirty people, four weeks, real dated warnings sent by hand, and a pass bar written down in advance where only behaviour counts and enthusiasm scores zero.
Behind it
The test answers the only question that matters yet: does a correctly timed warning about something real change what a person does? Not "would you use an app like this", which everyone answers politely and untruthfully.
A qualifying action has to be described with a detail only someone who did it would know, and everyone who acts is asked whether they would have done it anyway. If they would, it does not count. Strong pass is ten of thirty acting with at least three acting more than once. Under five is a fail, however warm the replies.
A fail means stop rather than add features. Finding that out from thirty emails costs a month. Finding it out from a finished product costs a year.