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AllAble

Roadmap and ecosystem

Every euro, order, receipt, and kilogram of CO₂e is a ledger event.

The ALLABLE ecosystem connects four flows — money, service, data, and carbon — across nine actors around a single wallet core. This page shows how it is built, what ships first, and what comes next.

Now shipping

MVP · six engines, one app.

The MVP is deliberately focused: 16 categories, 244 services, and 160 prepaid cards inside a single AI-powered app, wrapped in six engines that turn every booking into money saved, impact measured, and work created. No hardware, no capex.

  • F1

    Tax Engine

    State-backed savings, automated per order.

  • F2

    Sustainability (SDG) Engine

    Every purchase, measured against impact.

  • F3

    Fast-Track Onboarding

    Hire any person, any skill.

  • F4

    AI Super App

    Every home service, one account.

  • F5

    Gamification Engine

    Reward the behaviour that compounds value.

  • F6

    Prepaid Cards

    160 cards. Every channel.

Deferred to a later phase: the ALLABLE IoT locker network (steel banks, in-lobby kiosks, cluster logistics). This stage runs doorstep pickup and return. Carbon-credit monetisation (PoA/VER trading) is also post-MVP; the impact display is in.

Ecosystem business architecture

How value moves between the elements.

Four flow types connect nine actors around the ALLABLE wallet core. Every euro, order, receipt, and kilogram of CO₂e is a ledger event.

  • Money
  • Service / physical
  • Data · receipts · reporting
  • Carbon · rewards
1234567891011121314Consumers & recipientsCorporatesHR · Fin · ESGHousing costaloyhtiö · BRFRetailcard distributionALLABLE PLATFORMALLABLE wallet core · ledgerOMS & routing · tax enginecarbon MRV · rewards · panels25–30% gross · ~17.5% net · providers 70–75%Provider networkVero / SkatteverketCarbon market (VCM)Workforce pipelineALLABLE Locker Networksteel banks · kiosks · clustersCOMING SOON
Show as list →
  • 01 · Money
    Top-ups · gifts · card buys — Households pay into the ALLABLE wallet — topping up, buying a prepaid card, or gifting one. Every euro lands as a ledger event before any service is dispatched.
  • 02 · Money
    Bulk card allocation — Employers and corporate buyers purchase cards in bulk for benefits, rewards, and campaigns. Allocation is tracked per recipient so ESG and finance teams can report on it.
  • 03 · Money
    Lockers hosted free — Housing companies host locker banks at no cost in exchange for resident convenience — ALLABLE carries the hardware, they carry the lobby space. Phase 2.
  • 04 · Money
    Card stock out · sales in — Retail partners receive card stock and return the sales revenue. The card is the frictionless key: buyable off a shelf, activated in the app.
  • 05 · Money
    Payouts 70–75% — Providers are paid 70–75% of the order value on completion. ALLABLE keeps a 25–30% gross commission, roughly 17.5% net after payment, insurance, and support cost.
  • 06 · Service / physical
    Service delivery ← dispatch — The platform dispatches the order to a vetted provider and holds the outcome liability. The customer buys from ALLABLE, not from the individual worker.
  • 07 · Data · receipts · reporting
    Labour / material receipts → MyTax · RUT@POS — Each completed order emits a receipt split into labour and materials. Finland exports MyTax-ready documentation; Sweden applies RUT at point of sale.
  • 08 · Data · receipts · reporting
    Carbon data → ESRS / CSRD (no sale) — Corporate buyers receive Scope-3 avoided-emissions data from the same ledger feed for CSRD/ESRS reporting. It is reporting data, not a traded product.
  • 09 · Service / physical
    Providers join (2 tracks) — Fast-track onboarding brings in two tracks: individuals and freelancers building toward their own toiminimi, and established small companies. One application, one SLA score.
  • 10 · Money
    Reservations · routing — The platform reserves a compartment and routes the job — the locker slot is booked and priced before the customer leaves the app. Phase 2.
  • 11 · Data · receipts · reporting
    IoT events → CP + MRV — Locker hardware emits NB-IoT events — door opened, item dropped, item collected. Those events award Carbon Points and feed the MRV (measurement, reporting, verification) trail. Phase 2.
  • 12 · Service / physical
    Drop-off · pickup — The customer drops off and later collects at the locker bank, 24/7, with NFC or QR. In the current MVP this is doorstep pickup and return instead.
  • 13 · Service / physical
    Cluster runs — Couriers run scheduled cluster collections between locker banks and processing hubs, so no single order pays for a single trip.
  • 14 · Carbon · rewards
    TreeCoins · CP · tax exports — Verified reductions and rewards leave the ledger as TreeCoins and Carbon Points for households, and as auditable exports. Carbon-credit monetisation stays post-MVP.

Compartments 07 (unit economics) and 08 (financial projections) build on this ledger — every flow above is a real event we can count, price, and audit.

The physical-to-digital loop (locker order lifecycle)

How a customer order flows through the ecosystem — from reservation to closed loop.

  1. 01

    Reserve

    4h slot locked in app

  2. 02

    Drop-off

    NFC/QR opens compartment

  3. 03

    Instant award

    Carbon Points credited

  4. 04

    Courier

    Scheduled cluster run

  5. 05

    Execution

    Industrial CBW processing

  6. 06

    Return

    Items in return slot, wallet updated

  7. 07

    Pickup

    Within 48h

  8. 08

    Data gen

    Carbon calc, FI receipt / SE RUT −50% invoice

This is the phase 2 experience with the locker network. The current MVP runs doorstep pickup and return with the same underlying ledger and receipt logic.

The flywheel

Four layers, each feeds the next.

  • Convenience · card

    Drives demand

    One key to 160+ services. Giftable, retail-ready, always in your wallet.

  • Money · tax engine

    Drops CAC to near-zero

    Automated kotitalousvähennys and RUT deductions make each service financially irresistible.

  • Impact · TreeCoins

    Maximises LTV and retention

    Carbon rewards lock in long-term loyalty — a reason to book the next one.

  • Social · workforce

    Solves supply

    The onboarding pipeline guarantees quality capacity matched to demand.

“These are not isolated features. Each layer feeds the next; the ALLABLE Card is the frictionless key that justifies the operational complexity — and the reason competitors would have to rebuild all four layers at once to follow.”

Roadmap

What is shipped, what is shipping, and what is coming.

  1. 01✓ ShippedAug 2026

    MVP

    Six engines live in Finland: F1 Tax, F2 SDG, F3 Onboarding, F4 App, F5 Gamification, F6 Cards.

  2. 02In progressQ4 2026

    Sweden expansion

    RUT at point-of-sale, Swedish-language app, first Stockholm partners onboarded.

  3. 03Q1 2027Q1 2027

    Corporate SaaS

    Bulk card allocation for HR/Fin/ESG teams, CSRD/ESRS Scope-3 reporting, tax-exempt benefit path.

  4. 04Phase 22027+

    IoT Locker Network

    24/7 drop-off/pickup, kiosk card issuance, NB-IoT, industrial CBW hubs. Capex-heavy — separate funding round.

Data integrity

Emission and water factors need independent LCA validation (VTT/Aalto) before published figures. The current MVP shows ranges labelled “estimated”. Rates, caps, and deductibles for the Tax Engine live as versioned per-country-year config, never hard-coded. The Finnish free-time statistic previously used in some materials has been removed pending a citable source (Statistics Finland Time Use Survey).

Ready to see it work?

Book a real service. See the tax, SDG, and impact engines run on a live order.

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