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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

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

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.

[[Mission]] — full mission statement
[[Vision]] — full vision statement

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 [[../WorkingOn/Tasks/_active|Active Tasks]] and [[../WorkingOn/Projects/MBR-Business-Dev/STATUS|MBR-Business-Dev Status]] to see what’s happening right now.

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

[[ROADMAP]] — KB-level roadmap (strategic phases and what exists)
[[../WorkingOn/Projects/MBR-Business-Dev/ROADMAP|MBR-Business-Dev Project Roadmap]] — active project roadmap (Phase A→B)

Processes

[[../03_Processes/Business-Ideas-Workflow|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-complete skills to manage them

Internal View

Competitive position and SWOT analysis:

[[Internal View/Strengths|Strengths]]
[[Internal View/Weaknesses|Weaknesses]] (updated 2026-04-07)
[[Internal View/Threats|Threats]] (updated 2026-04-07)
[[Internal View/Competitive Analysis|Competitive Analysis]]

Active Work

[[../WorkingOn/Tasks/_active|Active Tasks]] — all open task files
[[../WorkingOn/Projects/MBR-Business-Dev/STATUS|MBR-Business-Dev Status]] — Phase A→B business dev project
[[../WorkingOn/Projects/rate-scanner/STATUS|Rate Scanner Status]] — daily rate pipeline (Phase 4 complete, running at 06:00 ET)

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.