Yes, a member built this, published it publicly, and is asking why it doesn't exist yet. That's deliberate — the fastest way to find out if an idea holds up is to put it where the people who'd have to build it can actually read it. This page is for the people who'd have to say yes: product, strategy, legal.
Of the licences and integrations this requires, a super fund already holds almost all of them — built for other products, reusable here.
Required to administer a financial arrangement and distribute funds. Already held.
AML/CTF obligations for moving money between parties. Already registered.
Direct debit rails for the monthly distribution. Already in place.
The Single Touch Payroll link this runs on. Already built for other purposes.
In 1987, compulsory superannuation didn't exist. By 1992, the Superannuation Guarantee changed that permanently. The path from voluntary to mandatory was infrastructure built, trust established, and data accumulated until the case became unanswerable.
"ForBothOfUs follows the same logic. Build the voluntary infrastructure now. Let the data make the case for policy."
A 20-page discussion document: the problem, the mechanism, real after-tax numbers, the business case, and what it takes to build. Written for a board or product team to actually evaluate.
Read the document →