Save Now. Enjoy Later.
LayawayGo helps you save smarter and unlock exclusive deals from your favorite local places – debt-free

What is SNBL?
Unlike Buy Now Pay Later, our platform encourages you to save money in advance and unlock exclusive discounts
AI MatchBuy
Use natural language to find the best offers and match your savings goals with local discounts.
Social Sharing & AR
Share your savings journey and preview upcoming rewards with immersive AR experiences.
Goal-Based Saving Pots
Create saving pots linked to merchant rewards and exclusive offers from your favorite businesses.
Group Saving Circles
Save together with friends and achieve your goals faster through shared commitment and motivation.
Gamified Challenges
Earn rewards through streaks, badges, and exciting spin-the-wheel bonuses as you save.
Local Experiences
Access exclusive deals from partnered venues, gyms, and travel experiences in your area.
P2P Saving & Payments
How LayawayGo Stands Out
See why we're revolutionizing student financial wellness
Feature | HyperJar Families, adults (UK) | Hubble Indian savers | LayawayGo Students & Gen Z (UK-focused) |
---|---|---|---|
Core Model | Save-to-spend jars | Rewards-based saving | Save Now Buy Later (SNBL) |
Discount Mechanism | Brand jar cashback | Vouchers & cashback | AI-matched local discounts |
AI Personalization | ❌ | ❌ | ✅Smart prompts & behavior-driven |
Gamified Features | ❌ | ❌ | ✅AR, quests, streaks, missions |
Location-Based Offers | ❌ | ❌ | ✅Time & place-based deals |
Community Challenges | ❌ | ❌ | ✅Group goals & social proof |
Voice/Prompt Purchase Matching | ❌ | ❌ | ✅AI MatchBuy™ engine |
How It Works
Start your financial wellness journey in three simple steps

Create Smart Saving Jars
Set up personalized savings goals for the things you care about, from coffee to concert tickets.

Complete Daily Quests
Engage with fun financial challenges, location-based missions, and savings streaks to level up.

Unlock Exclusive Rewards
As you save, unlock personalized discounts from local businesses and campus favorites.
🛍️ Marketplace / Partner Spotlight
Discover exclusive experiences and rewards from the UK's finest local merchants
Discover a curated collection of the UK's most exciting local experiences, lifestyle brands, and hidden gems—all available exclusively through LayawayGo's Save Now Buy Later platform. Whether you're planning a weekend escape to the Cotswolds, saving up for your favourite DJ set at Printworks, or eyeing a wellness package from your local indie spa, LayawayGo connects you directly to local merchants offering reward-based saving plans. These aren't just deals—they're personalised pre-pay journeys that unlock extras when you plan ahead.
Our partners span across vibrant London markets, boutique fitness studios in Manchester, rooftop cinemas in Bristol, and student-friendly food hotspots in Leeds. Each listing comes with its own unique saving incentive—think 10% bonus credits, VIP upgrades, or exclusive merch—designed for young professionals and Gen Z users who love experiences but want to spend smart. We're not just supporting your financial goals—we're empowering UK businesses by driving committed, intentional spending from future-focused customers.
LayawayGo Airdrop
About Us
Redefining Smart Spending For the Next Generation
At LayawayGo, we believe that financial empowerment starts with saving—not spending on credit. That's why we're pioneering a new model we call Save Now Buy Later (SNBL), designed specifically for students and Gen Z.
Our app turns everyday savings into real-world discounts, combining goal-based savings jars with AI-powered deal matching, gamified quests, and location-based rewards. Whether you're saving for coffee, concerts, or your next date night, LayawayGo helps you get more value from your money—without debt.
Unlike traditional Buy Now Pay Later apps, we flip the model: Users save first, earn exclusive discounts from local partners, and enjoy a sense of achievement, not obligation.
📱 Quick Access to Our Pitch Deck
Scan the QR code with your phone camera to instantly access our comprehensive investor pitch deck. Get detailed insights into our business model, market opportunity, financial projections, and growth strategy.
Perfect for investors, partners, and stakeholders who want to dive deeper into LayawayGo's vision and potential.

Scan to view pitch deck
📌 A Note for Investors
LayawayGo isn't just a FinTech app — it's a behavioral finance engine for the next generation. We're pioneering a Save Now, Buy Later (SNBL) model that transforms everyday spending into goal-driven, gamified experiences, rooted in real-world actions and community engagement.
This is an AI-unique prompt shopping, reward-centric gateway where Gen Z manages money with purpose, not pressure. Our platform unlocks a powerful flywheel:
High engagement from Gen Z users through quests, streaks, and location-based rewards
Value for local merchants through pre-committed spending, foot traffic, and promotional tools
Defensible product mechanics via gamification IP, design rights, and behavioral nudges
A clear path to scalable, recurring revenue through B2B merchant partnerships and in-app features
We're not just shaping financial habits — we're reshaping the retail experience for a generation that wants control, creativity, and community in how they save and spend.
💡 LayawayGo is where fintech meets fun — and where savings become social, smart, and scalable.
Meet Our Team

Milad Armani D.
Founder
Founder & Concept Architect
A FinTech innovator and IP strategist with global research and commercialization experience. As the founder and creator of LayawayGo, Milad developed the concept from the ground up—blending behavioral insights, gamification, and AI to reimagine how digital payments work for the next generation. His work bridges academic research, practical innovation, and user-centric design to build smarter, more responsible financial tools.

Mehmet Sahiner
Founding Team Member
Chief Financial Officer (CFO)
Mehmet leads the financial strategy and planning for this early-stage FinTech startup. He plays a key role in shaping the company's financial roadmap, including budgeting, forecasting, and capital management. Mehmet also supports our fundraising efforts—focusing on both equity investment and securing non-dilutive funding such as innovation grants. He works closely with the founder to develop scalable revenue models, manage investor relations, and ensure sound financial governance as LayawayGo moves toward product launch.

Jakkrit Thavorn
Partnership Development Manager
Founding Team Member
As Partnership Development Manager at LayawayGo, Jakkrit leads efforts to identify and build strategic relationships with local and international partners. His role focuses on creating meaningful collaborations with merchants, educational institutions, and ecosystem stakeholders to expand the platform's reach and impact. He also contributes to shaping culturally relevant user experiences and supports LayawayGo's global expansion by offering insight into regional market dynamics, user behavior, and partnership models that align with our mission of promoting smart, debt-free spending for students and young consumers.
❓ Frequently Asked Questions
Everything you need to know about LayawayGo
🔐 What is LayawayGo and how is it different from Buy Now, Pay Later (BNPL) apps?
LayawayGo is a Save Now Buy Later (SNBL) app designed for Gen Z and young professionals. Unlike BNPL apps that encourage spending with delayed debt, LayawayGo helps you save gradually for future purchases—and rewards you for your patience. No credit checks, no interest, and no surprises. Just smarter spending.
🎯 How does the Save Now Buy Later model work?
Set a goal—like £120 for festival tickets or £200 for a weekend trip. Save in flexible amounts over time. Once you hit your target, unlock bonus perks, discounts, or upgrades from our local merchant partners. You get the product or experience without debt, and often with extra value just for being financially mindful.
What is AI Prompt Shopping and how does it work?
AI Prompt Shopping is LayawayGo's smart feature that helps you find and save for local deals with a simple text prompt. Just type what you're looking for—like "Save for concert tickets" or "Find lunch deals near me"—and our AI will suggest personalized savings plans and local offers. It tailors recommendations based on your preferences and location, making shopping and saving easier, faster, and more rewarding.
Why save in a time of inflation? Won't my money lose value?
Great question. With LayawayGo, you're not just saving — you're locking in value. Our partner merchants offer price guarantees and bonus rewards (like save £100, spend £115), so your savings go further, not backwards. Think of it as securing tomorrow's experiences at today's prices — even if prices rise, your goal is safe and rewarded.
Why should I wait instead of buying now?
We get it — waiting isn't fun. But with LayawayGo, the journey is part of the reward, and the wait is never too long — just up to 4 months max. During that time, you'll unlock quests, rewards, and even location-based perks around your city. It's a fun, rewarding way to save — no debt, no stress. And when you hit your goal, you get better value and a real sense of achievement. Instant gratification is cool — but smart gratification wins.
What if a new version comes out before I finish saving?
Don't stress. LayawayGo is designed to be flexible. If you're saving for a product (like tech or fashion), you can easily switch or update your goal within the same merchant or category. Or, focus on experiences — things like travel, dining, and events that don't go out of date. Memories don't get replaced by a "new model."
🎮 What kind of rewards or perks can I get?
From free coffees and class passes to VIP upgrades and bonus credits, our partners offer real, tangible incentives for saving with them. These rewards are often exclusive to LayawayGo users and vary based on your location, merchant, and savings goal. The longer you save, the better the perks.
🛍️ Who are your local partners?
We partner with a growing list of UK-based merchants in sectors like entertainment, fitness, food, travel, and retail—think rooftop cinemas, yoga studios, pop-up events, and boutique stores. Our merchant spotlight is updated regularly with limited-time experiences tailored for LayawayGo users.
📱 Is my money held securely?
Yes, your money is always safe. LayawayGo does not hold your funds directly. Instead, we use trusted third-party payment platforms such as PayPal and Stripe to securely manage your savings. These regulated providers offer bank-level security and encryption, ensuring your money is protected at all times and never at risk.
💬 I'm a business owner. How can I partner with LayawayGo?
We love collaborating with local merchants. If you're a business looking to attract loyal, value-driven customers, reach out via our Partner With Us page. We'll help you design save-to-unlock deals that drive commitment and boost your brand's visibility among Gen Z customers.
Ready to Transform Your Finances?
Join the waitlist to be among the first to experience LayawayGo's innovative Save Now Buy Later platform. Get early access, exclusive perks, and help shape the future of smart financial wellness.