MyBetterRates KB Home
Section titled “MyBetterRates KB Home”[!Purpose] This knowledge base is the single source of truth for MyBetterRates (MBR) — its identity, strategy, operations, and active work. It is written for Talbot, future staff, and anyone who needs to understand what MBR is and how it operates.
The Business in 4 Lines
Section titled “The Business in 4 Lines”A Canadian survives Stage 4 cancer. The system spends $440,000 on his care. His total out-of-pocket: about $200 — mostly parking. He builds a platform to capture the wealth that banks extract from Canadian inertia — and pledges 50% of every dollar to the research that saved his life.
Mission & Vision
Section titled “Mission & Vision”Mission: Help Canadians capture the wealth that bank inertia silently extracts from their savings and debt accounts — by making the math visible, the action effortless, and the outcome automatic. Direct 50% of every dollar MBR earns toward the cancer research that gives people more time to use that wealth.
Vision: MBR is Canada’s most trusted financial wellness platform — the company that redirected hundreds of millions of dollars from bank inertia back to Canadian families, delivered a $10M cheque to cancer research, and proved that client-first business and philanthropic impact are the same thing.
New to This KB?
Section titled “New to This KB?”- Read the 4-line summary above — that’s the whole business.
- Read Executive-Summary — a complete overview of the business model, phases, and strategy.
- Read Mission and Vision for the deeper “why.”
- Skim Strategic Plan to understand the A→B→Z phase structure and key tech decisions.
- Check Active Tasks and MBR-Business-Dev Status to see what’s happening right now.
Strategy & Identity
Section titled “Strategy & Identity”| Document | What It Contains |
|---|---|
| Executive-Summary | Full business overview — model, phases, differentiation |
| Strategic Plan | A→B→Z phases, tech decisions, strategic bets |
| Filter+Focus | Ranked master list of all business rocks |
| Brand_What_Why | Brand identity and core messaging |
| Unique Selling Proposition | The USP — what makes MBR different |
| Core Value Propositions | Value props by audience |
| Key Success Factors | What must be true for MBR to win |
| Ideal Client Profile | Who MBR serves and why |
Roadmap
Section titled “Roadmap”- ROADMAP — KB-level roadmap (strategic phases and what exists)
- MBR-Business-Dev Project Roadmap — active project roadmap (Phase A→B)
Processes
Section titled “Processes”- Business Ideas Workflow — how ideas flow from brainstorm to evaluated rock to execution
- SMTM Task System — tasks live in
_WorkingOn/Tasks/, projects in_WorkingOn/Projects/; use/task-start,/task-continue,/task-completeskills to manage them
Internal View
Section titled “Internal View”Competitive position and SWOT analysis:
- Strengths
- Weaknesses (updated 2026-04-07)
- Threats (updated 2026-04-07)
- Competitive Analysis
Active Work
Section titled “Active Work”- Active Tasks — all open task files
- MBR-Business-Dev Status — Phase A→B business dev project
- Rate Scanner Status — daily rate pipeline (Phase 4 complete, running at 06:00 ET)
KB Structure
Section titled “KB Structure”| Folder | Contents |
|---|---|
00_KB Home/ | This homepage and the KB-level ROADMAP |
01_Identity/ | Mission, Vision, Internal View (Strengths, Weaknesses, Threats, Competitive Analysis) |
02_Strategy/ | All core strategy docs: Executive Summary, Strategic Plan, Brand, USP, ICP, etc. |
03_Processes/ | Operational process docs (Business Ideas Workflow, etc.) |
09_Logs/ | Session logs and AI chat archives |
_WorkingOn/ | Active work zone: Tasks/, Projects/, Brainstorming/ |
_WorkingOn/is the active work zone — tasks and projects live here, not in numbered folders.