01
Today
Banking partner infrastructure
tPay365 is payroll-layer infrastructure. Banking infrastructure is provided by FCA-regulated banking partners. Future regulated services may be added only with the appropriate permissions and approvals.
About tPay365
PAYE for bills.
Salary arrives as one balance, but life does not. tPay365 accounts for rent, bills, debt repayments and savings before everyday spending starts.
01
Payroll
02
Commitments
03
True pay
The sequence is the point: obligations are accounted for before money becomes everyday spending.
Company thesis
Better sequencing
PAYE automated tax before salary became spendable. tPay365 uses the same structural idea for essential commitments.
Pre-launch beta
We are building toward employer and partner pilots.
What we are building
Infrastructure for true disposable income.
tPay365 accounts for rent, bills, debt repayments and savings before everyday spending starts.
02
Today
No lending or wage advance
tPay365 does not offer loans, wage advance, credit or interest-bearing borrowing today. Our pre-launch product focuses on payroll-layer routing for essential commitments.
Who this serves
Three groups. One payroll layer.
The same routing logic creates different value for employers, employees and partners.
Employers
A practical financial wellbeing benefit that sits around payroll, without exposing personal employee financial detail.
Employees
A clearer payday where essentials are accounted for before money becomes everyday spending.
Partners
More predictable obligation-linked payment flows when committed payments are handled earlier.
Operating principles
Financial wellbeing should not create new pressure.
These principles separate tPay365 from lending, wage advance and generic budgeting products.
01 / Principle
Employee rules should be authorised by the employee.
02 / Principle
Employers should see aggregate insight, not personal financial detail.
03 / Principle
Financial wellbeing should reduce debt pressure, not create new credit.
04 / Principle
Payroll should become a calmer sequencing layer for essential commitments.
Next steps
Choose the next layer.
Continue into the product mechanics, or see the people building the company.
About tPay365
PAYE for bills, built around payroll.
tPay365 exists because payday is badly sequenced. Salary arrives as a single visible balance, while rent, bills, debt repayments and savings still compete with everyday spending.
What we are building
Infrastructure for true disposable income.
We are building around a simple idea: salary should account for essential commitments before it becomes everyday spending money.
The product category
Payroll-layer obligation infrastructure.
tPay365 helps account for rent, bills, debt repayments and savings before salary becomes everyday spending money. The employee sees a truer number: the money that actually matters after essentials are accounted for.
01
Operating boundary
Banking partner infrastructure
tPay365 is payroll-layer infrastructure. Banking infrastructure is provided by FCA-regulated banking partners. Future regulated services may be added only with the appropriate permissions and approvals.
02
Operating boundary
No lending or wage advance
tPay365 does not offer loans, wage advance, credit or interest-bearing borrowing today. Our pre-launch product focuses on payroll-layer routing for essential commitments.
Who this serves
One sequencing change, three audiences.
The same payroll-layer logic creates different value for employers, employees and partners.
Employers
A practical financial wellbeing benefit that sits around payroll, without exposing personal employee financial detail.
Employees
A clearer payday where essentials are accounted for before money becomes everyday spending.
Partners
More predictable obligation-linked payment flows when committed payments are handled earlier.
Operating principles
Financial wellbeing should not create new pressure.
These principles separate tPay365 from lending, wage advance and generic budgeting products.
01
Employee rules should be authorised by the employee.
02
Employers should see aggregate insight, not personal financial detail.
03
Financial wellbeing should reduce debt pressure, not create new credit.
04
Payroll should become a calmer sequencing layer for essential commitments.
Next steps
Choose the next layer.
Continue into the product mechanics, or see the people building the company.