Why We Built an App That Only Does Subscriptions

Every Nigerian finance app is drifting towards the same shape. Wallet, transfers, airtime, savings, investing, a card, and somewhere in there, bill payments.

There is a reason for it. More features means more reasons to open the app. But it means subscriptions end up as a menu item that nobody owns, and it shows.

What gets lost

If subscriptions are one feature among fifteen, nobody is asking the questions that only matter to subscriptions.

Is the renewal date stored, or just the payment? Does it warn you before a charge, or tell you after? Can you see everything you are subscribed to in one view, or do you have to remember what to search for?

An app that also does savings and investing will get to those eventually. Probably.

What building for one job lets us do

• Every subscription's date, amount and status is tracked, because that is the product, not a side effect of a payment going through
• Reminders come before the debit and you confirm, so nothing moves without you
• The money is on the card ahead of the renewal date instead of depending on a charge clearing at the exact moment it is due
• Cancelling is one tap, with no retention screen

None of this is technically hard. It just requires the subscription to be the main object in the system rather than a label on a transaction.

What you give up

Being honest about it: Subsecute is not where you save, invest, or send money to a friend.

You keep your bank for banking. You use this for the recurring stuff that your bank was never going to organise for you.