Scroll to watch the product assemble itself: start with the mess people deal with today, then turn on each capability and see what it takes underneath.
Begin ↓The UK gives every adult a £20,000 tax-free allowance across four ISA types. To use it well, you juggle separate accounts at separate providers — each with its own app, rules and statement.
OneISA collapses all of it into a single account — one balance, one deposit, one withdrawal. You never choose which wrapper a pound belongs in.
The four wrappers still exist; the platform just manages them behind the glass, routing money by your goals and tracking the allowance for you. The panel on the left now shows both: what you see, and what's happening underneath.
Investments normally settle in two business days, so every other app makes you sell and wait. OneISA pays you instantly and settles the sale behind the scenes.
But instant access to illiquid investments has to be funded by something. That something is the next stage.
An Innovative Finance ISA pool lights up underneath. Customers who opt in lend — short-term and secured — to customers who want their money now. The 2-day bridge that funds your instant withdrawal comes from here.
It runs three sleeves: a near-riskless liquidity bridge, medium-term capture loans, and a longer external book that earns most of the yield. We're honest about it: this money is lent out, locked, and not FSCS-protected.
It's late March, you've got allowance about to expire — it can't be carried forward — but no spare cash. The same pool can lend you the money to fill it now, repaid over months, across the tax-year line.
It's leverage, so we show the downside plainly: it only makes sense for long-horizon investing.
Go over the annual allowance and most providers simply reject the money. OneISA routes the excess into a General Investment Account — still invested, just outside the tax shield.
Its dividends and gains are taxable, and we show that drag openly — so the value of the ISA wrapper is never hidden, it's quantified.
One balance and two buttons for the customer. Five account types, a peer-funded liquidity engine, allowance tracking and tax-aware overflow doing the work below.
That's the whole idea: hide the complexity, not the money — and show the machinery to anyone who wants to look.
You've seen it assemble one capability at a time. Now explore the working version — play with the mechanics, the economics, and the tax comparison.