01Pharoah Technology · fintechlive
Graft (GIG_PAY)
Graft is the UK account built for gig workers and zero-hours staff. Estimate your take-home tax and build a gig-native credit picture today. Same-day pay and a fee-free card are on the way.
Live · graft.pharoahtechnology.comFree5 parts · 5 probe-verified
Pharoah Technology Ltd (Craig Attoh and Phil Pereira, 50/50)graft.pharoahtechnology.com
02What it is
The facts, from the register.
| Product | Graft (GIG_PAY) — UK gig-worker neobank |
| Register key | graft-neobank |
| Owner | Pharoah Technology Ltd (Craig Attoh and Phil Pereira, 50/50) |
| Live at | graft.pharoahtechnology.com · HTTP 200 on 9 September 2026 |
| Price | Free |
| Built from | 5 register parts, 5 live, 5 probe-verified |
| Listed | 14 August 2026 |
What it does
A UK gig-worker neobank: Self Assessment take-home estimation and a gig-native credit score, with waitlist capture live.
Runs on
Illustrative gig-native credit score
UK Self Assessment take-home estimator
Insert-only Supabase waitlist capture
Graft consumer neobank landing (single-file, PE-hardened)
Source: estate register (products, product_parts, builder_blocks) · deploy probe 9 September 2026Evidence live
03The frameWhat this buyer's profession checks
We will measure it against the FCA Consumer Duty.
Three checks a buyer in this field applies, whether or not they name the standard. We use them as the frame for everything that follows.
Check 1
Products that deliver good outcomes
Check 2
Fair value shown, not asserted
Check 3
Customers able to understand what they bought
Frame chosen by BRG as a summary of the FCA Consumer Duty. Verify the wording with the body before external use.No accreditation is claimed
04Why it's better · 1 of 6Check 2 · fit for purpose
The job as the register describes it.
Gig workers are invisible to credit scoring and cannot tell what they will owe at Self Assessment until the bill lands.
Source: register pain_pointThe problem, stated plainly
05Why it's better · 2 of 6Check 2 · fit for purpose
What it does instead.
Graft is the UK account built for gig workers and zero-hours staff. Estimate your take-home tax and build a gig-native credit picture today. Same-day pay and a fee-free card are on the way.
A UK gig-worker neobank: Self Assessment take-home estimation and a gig-native credit score, with waitlist capture live.
The parts doing the work
Illustrative gig-native credit score verified
Client-side illustrative credit-picture model for gig workers: weights weekly income, tenure in months, platform diversification and on-time bill paym
UK Self Assessment take-home estimator verified
Client-side UK Self Assessment estimator: income minus expenses to taxable profit, income tax across 2025/26 England/Wales/NI bands (20/40/45 with tap
Insert-only Supabase waitlist capture verified
Client-side email waitlist that writes directly to Supabase with the publishable/anon key, protected by insert-only RLS (anon can INSERT, cannot SELEC
Graft consumer neobank landing (single-file, PE-hardened) verified
Self-contained dark-mode consumer fintech landing (no build step): asymmetric hero, animated score ring, live tools, honest pillar grid marking live-v
Source: register purpose, public_blurb, product_parts joined to builder_blocks4 of 5 parts shown
06Why it's better · 3 of 6Check 1 · controls
Proof it exists, not a roadmap.
200
HTTP status of graft.pharoahtechnology.com on 9 September 2026 · real-content-verified
5/5
register parts verified by probe
HTTP 404
functional surface probe
Open graft.pharoahtechnology.com during the talk. Anything the deck claims should be visible there.
Source: register deploy_probe_code, deploy_probed_at, product_parts.verified_by_probeProbed, not promised
07Why it's better · 4 of 6Against the market, honestly
Where we lead, and where we don't.
Category: banking for gig, shift and per-invoice earners. Nearest rivals: Monzo, Starling, Revolut, Wise, Coconut; strongest is Monzo on UK current-account share. Our edge: mainstream neobanks model a monthly salary — variable per-shift and per-invoice income breaks their budgeting, their affordability view and the income evidence a lender will accept. We treat irregular pay as the normal case: smooth the week, set tax aside per job, and produce income evidence a lender can read. How we beat them: we sell to the moment a gig worker is refused credit because the income does not fit the form, which is a rejection none of the incumbents address.
Evidence: accept. · read. · address.
Not independently sourced This verdict was written from an analysis whose only source was the model itself, not scraped competitors (analyst gtm-loop-worker). Treat the competitor names and positions as a working hypothesis until the market research is re-run; do not quote them to a buyer.
Source: register vs_competitionNamed competitors are the register's, not the presenter's
08Why it's better · 5 of 6Check 2 · fit for purpose
Built for one kind of buyer.
Not in the register yet an audience. This slide stays blank until the register carries it; nothing here is invented.
Source: register audience, serves_nichesOne buyer, not everyone
09Why it's better · 6 of 6Price is part of the scope
What it costs, in one line.
Free
Buying route
Payment on enquiry
skinned-premium
Scope named on the next slides, so the price has a boundary
Source: register price_gbp, billing_interval, pricing_basis, payment_link_activeNo hidden rate card
10What's inside
The parts, with their verification state.
| Part | Category | State | Verified |
|---|
| Illustrative gig-native credit score | ui | live_wired | |
| UK Self Assessment take-home estimator | ui | live_wired | |
| Insert-only Supabase waitlist capture | full-stack | live_wired | |
| Graft consumer neobank landing (single-file, PE-hardened) | ui | live_wired | |
| Supabase + RLS | integration | live_wired | |
Source: product_parts joined to builder_blocks · 5 of 5 shown probe-verified not yet
11Why packaging matters
Bought as a price.
Delivered as a scope.
What the buyer hears
Free
A number to compare with the last number.
the gap
disputes · churn
unpaid work
What the provider means
A scope
5 parts, some verified, some not, plus everything that is excluded.
Packaging is the instrument that makes the scope as visible as the price.Thesis
12Why packaging matters
Five things a package does that a price cannot.
1Scope becomes visible. The parts are named, so nothing is assumed.
2Boundaries are explicit. What is outside is written down before the first invoice.
3It is auditable. A package is a documented process, which is what the FCA Consumer Duty looks for.
4Buyers compare like for like. A referral needs a defined thing to refer.
5Switching fear drops. The move is inside the package, not a project bolted on the front.
Source: BRG packaging doctrine; frame from slide 3Packaging = a compliance instrument
13This packageCut by what each part does
Graft (GIG_PAY), as a package.
ui
Illustrative gig-native credit score
Client-side illustrative credit-picture model for gig workers: weights weekly income, tenure in months, platfo
verifiedUK Self Assessment take-home estimator
Client-side UK Self Assessment estimator: income minus expenses to taxable profit, income tax across 2025/26 E
verifiedGraft consumer neobank landing (single-file, PE-hardened)
Self-contained dark-mode consumer fintech landing (no build step): asymmetric hero, animated score ring, live
verifiedfull-stack
Insert-only Supabase waitlist capture
Client-side email waitlist that writes directly to Supabase with the publishable/anon key, protected by insert
verifiedintegration
Supabase + RLS
Multi-tenant Postgres rail with forced RLS, policy-derived least privilege, born-safe DDL and reviewed client
verifiedSource: product_parts grouped by builder_blocks.category3 groups
14Anatomy of the packageOn one page · 2 items of work left, filed
A package reads like a control document.
Inside the scope
- Illustrative gig-native credit score
- UK Self Assessment take-home estimator
- Insert-only Supabase waitlist capture
- Graft consumer neobank landing (single-file, PE-hardened)
- Supabase + RLS
Evidenced, and how
- Live URL probed: HTTP 200 on 9 September 2026
- 5 parts probe-verified, latest 9 July 2026
- Functional surface: HTTP 404
- Register row updated with every probe
Outside the scope today · work left
- No build gap recorded in the register
- 2 register fields to fill (vs_competition_unsourced, audience)
Who signs, and where the work sits
- Pharoah Technology Ltd owns the product and the data layer
- 0 build packets proposed · 2 management items pending
- Change log kept in the register
Source: product_parts (inside), deploy and part probes (evidenced), v_deck_work_left (work left; filed to manager_work and build_packets by deck_work_left_sync)One page
15Across the family
Where it hands over.
Anaïs AIgateway.pharoahtechnology.com
Anaïs AI (LLM router / reseller)anaisai.co.uk
Anaïs AI (working app)anaisai.co.uk
Pharoah TechnologyGraft (GIG_PAY)graft.pharoahtechnology.com
ATS Résumé Scanner (free)ats.pharoahtechnology.com
Aurora AIauroraai.pharoahtechnology.com
Aurora Guardauroraguard.co.uk
Source: register rows sharing client_key pharoahOne house, many doors
16Close
Three things to take back to your desk.
One
Open the URL on slide 6. Test it before you trust it.
Two
The parts and their verification state are on slide 10.
Three
A package is a compliance instrument, not a price list.
See it live
graft.pharoahtechnology.com
Talk to us
via graft.pharoahtechnology.com
Pharoah Technology Ltd (Craig Attoh and Phil Pereira, 50/50)Pharoah Technology