Norteapp.io's answer

Norte is the first Personal Coverage Intelligence Platform. Instead of pushing new policies or tracking budgets, it reveals the hidden value in what you already own — credit cards, insurance policies, and warranties. Norte focuses on the exact trigger moments (before a trip, purchase, or claim) when clarity matters most, combining an intelligent Wallet with AI-powered insights.

Split Fee's answer:

Split Fee is the first purpose-built platform for split fee recruitment in the UK. Instead of relying on LinkedIn groups, WhatsApp messages, and manual agreements, agencies upload their candidates and vacancies and the platform automatically matches them across agencies.

Candidate identities are revealed gradually; anonymised at first, then progressively disclosed as both sides accept, so agencies can collaborate without the risk of circumvention.

Norteapp.io's answer

Unlike finance apps that require bank logins or insurers that upsell new policies, Norte is coverage-first and source-agnostic. You don’t need to share sensitive bank data. Instead, Norte helps you:

• Instantly see overlaps, gaps, and hidden perks.
• Avoid wasting money on duplicate insurance (e.g., unnecessary rental CDW).
• Retrieve receipts, warranties, and policies in seconds with smart search.

It’s built for confidence at decision time.

Split Fee's answer:

Most "split fee networks" are just directories or social groups where agencies post and hope someone responds. Split Fee is an actual matching engine. It scores candidate-vacancy pairs, handles the legal agreements (non-circumvention, self-billing), automates invoicing and fee splits, and manages the entire placement lifecycle from match to payment. Everything that normally requires trust, phone calls, and spreadsheets is handled by the platform.

Norteapp.io's answer

• Frequent travelers renting cars or booking trips abroad.
• Expats juggling cards and policies across countries.
• Consumers who want to avoid duplicate coverage or missed claims.
• People who value privacy-first tools that simplify insurance and benefits.

Split Fee's answer:

UK recruitment agencies; from boutique firms with a handful of consultants to mid-sized agencies with specialist sector coverage. Any agency that has either strong candidates without the right vacancies, or client vacancies they can't fill from their own candidate pool. Split Fee turns those dormant assets into placements.

Norteapp.io's answer

Norte was born out of a personal pain point. As a Spaniard living in four different countries, I struggled to understand what my U.S. Amex Platinum and local policies actually covered, especially when renting cars in Europe. I often defaulted to buying the “peace of mind” bundle, overpaying simply because the fine print was confusing. After researching credit card benefits, insurance exclusions, and regional laws, I realized the real problem was coverage clarity.

Norte was built to eliminate that confusion and give travelers and consumers instant, plain-English answers to “Am I covered?”

Split Fee's answer:

Abbie, our founder, knew that although split fee arrangements have existed in recruitment for decades, the process has always been manual: find a partner agency, negotiate terms, trust them with your candidate data, chase invoices. Most agencies avoid it because the overhead and risk outweigh the reward. Abbie built Split Fee to remove that friction entirely, with automated matching, progressive identity disclosure, built-in legal agreements, and automated billing, making split placements as straightforward as direct ones.

Norteapp.io's answer

Currently in public beta, Norte is used by:

• Frequent travelers who rely on premium credit cards (Amex, Chase, Visa, Mastercard).
• Expats in Europe testing coverage intelligence for cross-border policies.
• Tech savvy early adopters from providing product feedback

Norteapp.io's answer

• Supabase (Postgres, RLS, Edge Functions)
• Next.js on Vercel
• TypeScript & React
• Stripe (subscriptions & payments)
• AI/LLMs (coverage assistant, document intelligence)

Split Fee's answer:

A next-generation serverless platform, built for AWS.