tPay365 - Cohort I Founder Spotlight

Who is Abraham?

Abraham Orherhe is a Master's student at City, University of London, a working Biomedical Scientist, and a software engineer who has spent years building complex backend systems.

He is not a first-time builder. Abraham came into the programme with a working product, strong technical depth, and the discipline of someone used to solving serious problems in both healthcare and software.

Why is Abraham building it?

Every month, millions of people get paid and see one big number in their bank account. The problem is that the full number is not really theirs to spend.

Rent still needs to come out. Bills still need to be paid. Loan repayments, subscriptions, savings goals, and direct debits may all be waiting in the background. People often spend from the number they can see, then realise later that some of that money was already needed for something else.

That is how overdrafts happen. That is how bills get missed. That is how payday turns into stress. Abraham calls this the Illusion Problem. Your gross pay can make you feel richer than you really are, because it hides how much is already committed before the month has even started.

What did Abraham build?

tPay365 helps people stop guessing how much of their payday money is really theirs.

When someone gets paid, tPay365 helps sort the money first. Rent, bills, savings, and debt payments are handled before the person starts spending. What is left is their Clean Paycheck: the amount they can actually use without worrying that a bill will take it later.

It is like PAYE, but for everyday bills. Tax already comes out before your wages reach you. tPay365 applies that same simple idea to the payments people cannot afford to miss.

No spreadsheets. No mental maths. No end-of-month panic about bills.

The platform is built and preparing for employer pilots. Its banking layer is planned around Griffin, a UK bank regulated by the FCA with FSCS protection for eligible deposits held through Griffin.

Abraham also did something few founders do well: he used the process. He pitched at a Canopy Community demo night, took the feedback seriously, rebuilt his deck, refined his pitch, and arrived at Revolut HQ with a much clearer story than he started with.

Where is Abraham taking it?

tPay365 is currently at pre-seed stage. The next step is to move from built product to live pilots with employers and early users.

Abraham is focused on proving that tPay365 can help employees feel clearer and calmer after payday, while giving employers a practical financial wellbeing benefit that is not a loan, not a wage advance, and not another budgeting app.

Money stress is one of the most common problems people face. tPay365 is building a simpler way for people to get paid, cover what matters, and know what is truly safe to spend.

What did Abraham say about the programme?

"Canopy helped me turn tPay365 from a technical product into a much clearer founder story. I came in with something I had built, but the programme pushed me to explain the problem in a way people could feel straight away. Pitching at the demo night, taking feedback, rebuilding the deck, and then presenting at Revolut HQ made the whole story sharper. The biggest lesson was simple: once people see how misleading their salary or income can be, they understand why tPay365 needs to exist."