Syndic doesn't advise. It acts.

Every financial tool on the market delivers information and leaves you to execute. Syndic reverses that. It operates autonomously within strict constitutional constraints — executing sound financial common sense on your behalf, then explaining what it did when you want to know.

What happens when you get paid

This is the core loop. Every payday, Syndic performs the same sequence — the financial management you'd do yourself if your executive function never failed.

Income detected

Syndic monitors your account via Open Banking. When salary arrives, the sequence triggers automatically.

Committed expenditure calculated

Rent, utilities, subscriptions, debt repayments — everything due before the next payday is totalled.

Bill money protected

That total moves into a protected Space within your bank account. It's ring-fenced. You can't accidentally spend your rent money during a hyperfocus episode because it's no longer in your available balance.

Sinking fund contributions allocated

Monthly amounts for predictable future expenses — MOT, boiler service, white goods replacement, technology — are moved into dedicated Spaces.

Bills paid at optimal timing

Committed expenditure is executed via Open Banking payment initiation. Not when you remember. Not when they want to take your money through direct debit or card payment mandate. It goes when it needs to happen, your intent enacted by your agent.

You're told what happened

A brief, plain-language summary of what was allocated, what was paid, and what's genuinely available for the rest of the month. Post-execution explanation, not pre-action approval.

Example post-execution explanation

Salary of £2,180 received. Allocated £847 to bills (rent, council tax, utilities, phone). Allocated £156 across sinking funds (£43 vehicle maintenance, £23 boiler replacement, £35 white goods, £30 technology, £25 furniture). Available balance: £1,177. Next bill due: council tax, 1 March.

The money you see in your account is genuinely available. No mental arithmetic. No anxiety about whether you've forgotten something.

Predictable expenses funded before they arrive

The washing machine doesn't break unexpectedly. It breaks after ten years, which is entirely predictable. The MOT isn't a surprise — it's the same month every year. Emergency borrowing for foreseeable expenses is one of the largest components of the ADHD tax, and it's entirely preventable.

Syndic maintains sinking funds — small monthly contributions toward known future costs. When the expense arrives, the money is already there.

Sinking fund example

Vehicle MOT and service: £480 expected September 2026.

Monthly contribution from February: £60.

By September: £480 sitting in a dedicated Space. No emergency borrowing. No credit card. No panic.

The system tracks multiple sinking funds simultaneously — vehicle maintenance, white goods replacement, boiler service, technology, furniture. Each has its own Space, its own target, its own timeline. You don't manage any of it.

Friction before harm, not judgement after

Hyperfocus spending is one of the most damaging ADHD tax patterns. You enter a state of intense absorption — a new hobby, a research rabbit hole, a sudden conviction that you need specific equipment — and spend rapidly before the executive function catches up.

Syndic monitors transaction patterns in real time. When spending behaviour matches hyperfocus indicators — rapid sequential purchases in a single category, escalating transaction values, unusual time-of-day patterns — it introduces graduated friction.

Level 1 — Context

A brief pause with information

You've spent £85 on electronics in the last two hours. Your bills are covered. Your available balance after this would be £340 for the next 18 days. Just information. No judgement.

Level 2 — Friction

A delay before the next transaction

Spending has continued. Syndic introduces a brief cooling period — not a block, a pause. Enough time for the prefrontal cortex to catch up with the dopamine system. Most hyperfocus spending episodes end when interrupted, even briefly.

Level 3 — Conversation

A direct question about priorities

Continuing this spending would leave you below your safety threshold. Syndic asks whether you want to proceed, with a clear view of the consequences. Your decision. Full information. No shame.

At every level, you can override. Syndic is a prosthetic, not a cage. The override is always available, always respected, never requires justification. The system tracks override frequency as a health metric — if you're overriding constantly, the constraints may need recalibrating, not tightening.

Two pillars. Every decision traces to both.

Syndic doesn't generate novel financial strategy. It doesn't provide investment advice. It doesn't do anything clever. It executes what is already known to work, within regulatory boundaries that already exist. The constraints aren't limitations — they're what make autonomous execution safe enough to trust.

Pillar one

Sound financial common sense

What would a sensible financial manager tell you to do? Pay your bills on time. Build a replacement fund before the washing machine breaks. Don't spend your rent money during a hyperfocus episode. Provision for predictable expenses monthly rather than from emergency borrowing. These are not novel insights. They are established principles that require consistent execution — which is exactly what executive dysfunction prevents.

Pillar two

Established consumer protection principles

FCA Consumer Duty. Vulnerable customer frameworks. The AI cannot generate investment advice or novel financial recommendations. It can only automate established principles within regulatory boundaries. Every action is auditable. Every decision traces to a specific constraint. The system can explain why it did anything, in plain language, at any time.

The constitutional framework isn't a safety layer bolted onto a financial product. The constitutional framework is the product. The same constraints that make autonomous execution safe are the constraints that make it effective.

The user can override any action. They rarely do.

What Syndic deliberately doesn't do

Every feature we didn't build is a decision, not an oversight.

No spending categories

Categorising your spending creates cognitive load — more data to process, more dashboards to check, more things to forget about. Syndic handles the bills. What's left is yours.

No insights or analytics

You don't need to know you spent too much on takeaways. You already know that. What you need is for the bills to be paid regardless.

No gamification

Streaks, badges, and points exploit the ADHD dopamine system rather than protecting it. Financial management shouldn't need to be entertaining. It should be invisible.

No investment advice

Syndic executes established principles within constitutional constraints. Novel financial strategy is outside the system's mandate and outside its regulatory authorisation.

Your money stays in your account

Syndic operates through Open Banking — the same regulated infrastructure behind Monzo, Starling, and every major UK bank. FLI never holds your money. We never see your card details. We never have custody of your funds.

Open Banking provides two capabilities under FCA regulation. Account Information Services (AISP) lets Syndic see your transactions and balances — to know when you're paid and what's due. Payment Initiation Services (PISP) lets Syndic move money between your own accounts and pay bills on your behalf — with your prior consent and within your defined boundaries.

Both require FCA authorisation. Both are subject to ongoing regulatory oversight. Both can be revoked by you at any time, instantly, with no notice period.

Join the waitlist

We're building this with the ADHD community, not for them. Your experience shapes the system.

Join the research waitlist

No cost. No commitment. Beta access subject to FCA authorisation.