Each is an independent business with its own pricing, its own regulator and its own customers. We publish the shape of the portfolio rather than the list of it — naming every app tells a competitor exactly where we have been.
SafeQloud issues the identity and carries the consent record. Everything further down this page is a separate company that asks it for something.
Consumer apps a person uses directly, on an identity that belongs to them and costs them nothing.
The functions every business already has, each one working against a role that ends when the relationship does.
Where a sector has its own way of admitting people, the brand is built for that sector rather than adapted to it.
A payments brand carries payment regulation. A healthcare brand carries its own. Folding them into SafeQloud would pull every one of those obligations onto the identity layer — and an identity layer that is also a payments business is harder for a bank to trust.
Naming every app tells a competitor which sectors we have entered, which we are building for, and where we are not yet. The tiers above are the honest shape. The names come out in a conversation.