MBR Business Development — Plan
Section titled “MBR Business Development — Plan”Framework: A → B → Z (James Clear) Know the long-term vision (Z). Identify current state (A). Focus on the highest-leverage next step (B). Repeat.
Phase Z — The Long-Term Vision
Section titled “Phase Z — The Long-Term Vision”- $10M Cancer 50 Pledge cheque delivered to cancer research
- MBR is Canada’s most trusted consumer financial wellness platform
- WealthCare 50 Alliance has 500+ employer, charity, and association partners
- Cancer50Pledge.ca hosts 200+ business pledgers; movement is national
- Open Banking fully integrated — Invisible Guardian operating on live bank data
- Canadian Financial Health Index cited in parliamentary hearings
- SDC (Rung 5) active and generating the highest-yield user conversions in the portfolio
Phase A — Rate Intelligence (COMPLETE)
Section titled “Phase A — Rate Intelligence (COMPLETE)”Goal: Prove the core claim with live, automated data.
Deliverables: rate scanner (8 sources, daily cron), Benefit Snapshot widget, Cancer50Pledge.ca scaffold.
Status: Complete as of 2026-04-03. See Projects/rate-scanner/STATUS.md.
Phase A→B — Pre-Launch (NOW)
Section titled “Phase A→B — Pre-Launch (NOW)”Goal: Launch mybetterrates.com with the widget. Build the alert engine. Establish first partnerships.
| # | Deliverable | Notes |
|---|---|---|
| 1 | mybetterrates.com | SvelteKit + adapter-static + Cloudflare Pages |
| 2 | Hassle Threshold Engine | Core algorithm: rate_changes → user threshold → alert payload |
| 3 | Cancer50Pledge.ca Phase B | Custom domain, pledge form, email capture, analytics |
| 4 | Custom domains | snapshot.mybetterrates.com, cancer50pledge.ca |
| 5 | David Chilton outreach | Founding Signatory + podcast ask + equity conversation |
| 6 | Wealthsimple affiliate | Formalize referral link; use origin story |
Phase B — Notification Delivery + Basic Transfer Flow
Section titled “Phase B — Notification Delivery + Basic Transfer Flow”Goal: Close the loop from alert to action.
- Email delivery of rate-change alerts (SendGrid or Resend)
- Push notifications — web push for opted-in users (Invisible Guardian)
- 1-Click Transfer v1 — KYC storage, form auto-generation, DocuSign integration
- Split-Cart tax receipt — CanadaHelps + Stripe API
- WealthCare 50 Alliance Corporate track — HR portal, CSR dashboard, Employee Wellness Score
- Media Engine Phase 1 — 3–5 podcast appearances, 1 national PR pitch
Phase C — Financial Intelligence
Section titled “Phase C — Financial Intelligence”- Financial IQ Score — monthly optimization score (0–100)
- Net Worth Thermometer — cumulative MBR-generated delta per user
- Debt Map Dashboard — visual debt instrument map with after-tax overlay
- Mortgage Broker Referral Network MVP (5–10 Client-First certified brokers)
Architecture Decisions (Locked)
Section titled “Architecture Decisions (Locked)”| Layer | Choice |
|---|---|
| Rate scraping | Python + curl_cffi + Playwright (fallback) |
| Storage | SQLite insert-only (audit trail) |
| Package manager | uv (Python), pnpm (Node) |
| Web framework | SvelteKit + adapter-static |
| Hosting | Cloudflare Pages |
| Analytics | Fathom or Plausible (privacy-first) |
Key References
Section titled “Key References”02_Strategy/Filter+Focus.md— master ranked list of all 53 rocks02_Strategy/Executive-Summary.md— investor-ready pitch02_Strategy/Strategic Plan.md— detailed technical phase roadmapProjects/rate-scanner/STATUS.md— operational Phase A project