Salary Orchestration.
Not another app.
tPay365 doesn't sit on top of your bank. It sits between your employer and your bank — intercepting, separating, vaulting, and routing your salary before a single pound reaches your spending account.
One salary. Nine decisions.
Under 200 milliseconds.
Every salary that enters tPay365 is deterministically decomposed. No guessing. No manual budgeting. No hoping you remembered to move rent money.
Nine engines. One platform.
Each engine is a self-contained system. Together, they form the world's first Salary Orchestration Platform.
Your bank says
£2,400.00
Available balance
tPay365 says
£1,071.75
Safe-to-Spend
True discretionary income
Your bank shows you £2,400 and calls it your balance. But £1,265 of that is already committed to rent, bills, and loans. The Clean Paycheck Protocol subtracts every obligation at source — before the money reaches your account — so the number you see is the number you can spend. No mental maths. No spreadsheets. No anxiety at the checkout.
clean_paycheck = gross_pay - statutory_deductions - vault_allocations - safety_buffer Precision: Decimal(2) with ROUND_HALF_UP Buffer: 5% of total obligations (configurable)
Segregated. Not just categorised.
Budgeting apps put labels on your money. tPay365 puts it in separate, isolated sub-ledgers backed by safeguarded accounts at our FCA-regulated banking partner. Your rent money isn't tagged — it's cryptographically distinct from your spending money. It cannot be accidentally spent, accidentally swept, or accidentally mixed with anything else.
Architecture: 1 user -> N vaults -> N sub-ledger entries Isolation: Per-vault balance tracking, independent reconciliation Safeguarding: 100% held in Tier-1 regulated accounts Invariant: sum(all_vaults) == partner_bank_total (checked every 60s)
£722.50
of £850.00
£215.00
Due 1 Mar
LOCKED£200.00
Due 28 Feb
LOCKED£150.00
No due date
LOCKED£10.99 deferred — insufficient after essentials
Survival first. Always.
Life is unpredictable. Income dips. Zero-hour contracts fluctuate. Emergency expenses hit. The Routing Engine knows that rent outranks Netflix, and food outranks gym memberships. If your income can't cover everything, tPay365 executes a priority waterfall — protecting essentials first, deferring the rest, and explaining exactly what happened and why.
Priority waterfall (default): 1. Statutory (Tax, NI, Pension) — non-negotiable 2. Housing (Rent, Mortgage) — survival 3. Utilities (Energy, Water, Council Tax) — survival 4. Debt (Loans, Credit) — contractual 5. Subscriptions — discretionary 6. Savings — aspirational Execution: <200ms from BACS receipt to vault allocation Conflict: User-configurable priority overrides with guardrails
Your idle money earns while it waits
When rent sits in your bank for 20 days before the due date, your bank earns interest on it. You get nothing. tPay365 inverts this. Vaulted funds accrue yield daily at institutional rates. When your rent pays out on the 14th, the interest earned during those 20 days is credited back to you. It's small — roughly £1-2 per month on rent alone — but it's yours, and it compounds.
Accrual: daily_yield = vault_balance x (APY / 365) Current APY: Negotiated with banking partner (target 4.0%) Distribution: Credited at vault release or monthly (user choice) Precision: Internal Decimal(4), display Decimal(2) Forfeiture: Early withdrawal forfeits accrued yield
£850 × 20 days × 4.0% APY = £1.86 earned
BACS Standard 18
VOL1 HDR1A UHL1 0000000 000000 0206271234560087654321 0006271234560000025000000Alice EOF1 UTL100000025000000000001
Structured Output
{ "employee": "Alice Smith", "sort_code": "123456", "account": "****4321", "amount": "\u00A32,500.00", "status": "validated" }
Legacy compatible. Future ready.
BACS Standard 18 is a file format from the 1970s. It's also how 90% of UK employers still run payroll. tPay365 speaks it natively. HR uploads the same file they've always uploaded — no new software, no retraining, no migration. Our parser reads it, validates it, and triggers the entire orchestration pipeline. Drag. Drop. Done.
Format: BACS Standard 18 (fixed-width, 100-char records) Records: VOL, HDR1, HDR2, UHL1, debit/credit entries, EOF, UTL Validation: Modulus check on sort code + account number Idempotency: hash(file_content + employer_id + pay_period) Fallback: CSV upload for non-BACS payroll systems
Your financial address. For life.
Every tPay365 user receives a dedicated virtual IBAN — a unique account number that belongs to them, not their employer. If they change jobs, their vIBAN travels with them. Vaults, payment history, Reliability Index, and connected providers all persist. Financial infrastructure that survives career changes.
Format: GB00 TPAY XXXX XXXX XXXX (UK vIBAN) Issuer: Licensed banking partner (safeguarded) Portability: Persists across employer changes Provisioning: <600ms at employee activation Segregation: 1:1 mapping — no shared pools
Bills connect to income. Not to cards.
Traditional direct debits pull from your bank account — and fail when the account is empty. tPay365 inverts this. Service providers connect directly to your income stream via API or tPay_ID. Payments execute from the vault, not the wallet. No expired card numbers. No bounced direct debits. No service interruptions.
Connection methods: 1. tPay_ID (no-code) — provider shares ID, user links 2. API — provider embeds "Connect with tPay365" flow Payment source: Bills Vault (ring-fenced) Execution: Due date scheduler or provider webhook
Target the most expensive debt first
Most people pay minimums everywhere and make no progress. The Debt Crusher identifies the debt with the highest daily interest cost — the fastest “leak” — and directs surplus funds there first. When that debt is eliminated, the engine automatically redirects to the next highest. No spreadsheets. No decision fatigue.
Method: Avalanche (highest APR first) Formula: daily_leak = balance × (APR / 100) / 365 Rebalancing: Automatic when a debt is paid off Employer matching: Optional — employer contributes %
Even though the loan is 5× larger, the card costs more per day. The engine knows.
Can I afford this? Actually answered.
Before you commit to a purchase, the Affordability Pilot runs 10,000 Monte Carlo simulations against your real financial position — factoring in upcoming bills, historical spending volatility, and black swan events like car repairs. It doesn't guess. It calculates a probability of success and tells you plainly: GO, CAUTION, or NO.
Method: Monte Carlo simulation (10,000 iterations) Inputs: Balance, upcoming obligations, spending variance Black swan: 5% probability of £300-£1,000 emergency Output: Success probability, action, buffer remaining Thresholds: >90% → GO, 70-90% → CAUTION, <70% → NO
This isn't a bank. It isn't a budgeting app. It's a new layer.
Safer than a bank balance
Customer funds are never commingled with tPay365 operations. 100% safeguarded in Tier-1 regulated accounts. Even if tPay365 disappears tomorrow, your money is exactly where you left it.
See the engine live
Book a demo or join the waitlist. The architecture speaks for itself.
No integration required for the demo. No credit check for the waitlist.