Root Strategic Ltd
with LUMI, your financial co-pilot
Tell me exactly what to do with my money — in the right order — so I never have to guess again.
Want to see LUMI in action? Try the working prototype.
LUMI
I’m not here to judge where you are. I’m here to help you figure out what to do next — one step at a time.
The Problem
Most people know roughly what to do with money. No one has ever told them clearly what to do first.
The Product
Every layer works together. Every layer keeps you moving forward.
01
The sequencing engine. Clear ranked action plan. Minimum payments on all except one. Every spare pound toward your smallest debt first. A projected Date of Freedom — visible, real, and moving closer with every payment.
02
Predictive Empathy. When surplus exists LUMI reads the emotional context — not just the number. Three personalised options. You approve one or decline. Your choice, always.
03
Your living financial picture. Updated quarterly, when you add a new goal, or when life changes. LUMI never works from stale information.
04
AI chat, visual gallery, and three-minute audio episodes narrated by LUMI. Every completed lesson unlocks a named plant in your Living Garden. Financial literacy becomes visible.
05
Our digitalisation of the Hagbad, Ayuuto, Susu, Chit Fund, and ROSCA community savings tradition. Up to 12 members. One contribution each month. One person takes the full pot in turn. Transparent, tracked, and connected to your plan — so when your month arrives, LUMI is ready with exactly where that money should go.
Working prototype
Live
End-to-end LUMI flow you can try right now
Founder cohort
247+
On the waitlist for early access
UK market
£1.7T
Household debt sequencing problem addressable today
Revenue model
£6.99/mo
Subscription only — no commissions, no affiliate revenue
How It Works
One system that organises your money. One voice that keeps you moving.
ROOT sequences your money
ROOT is the sequencing engine. It ranks every debt, buffer, and goal into a clear order of attack — so you always know what to pay first, what to protect, and what to build next.
LUMI guides you through it
LUMI turns the plan into calm, human actions. A weekly nudge when surplus exists. A breath, not a push, when things are tight. And audio lessons that grow your Living Garden as you learn.
Together they grow your horizon
Every payment moves your Date of Freedom closer. Every lesson unlocks visible progress. ROOT provides the structure — LUMI provides the presence — so you never have to figure it out alone.
The Ethical Architecture
These are founding principles written before a single line of code.
Never
Revenue comes from subscription only. No affiliate deals. No sponsored placements disguised as advice.
Never
The Grace Nudge ensures every tight month receives a compassionate, honest response. Silence breeds shame.
Never
No crypto, no speculative assets until your financial foundations are in place. The logic engine enforces this.
Never
ROOT Circle is built to honour the Hagbad and ROSCA tradition — not to extract fees from it.
Early Access
ROOT is in development. Join the waitlist and be among the first to use it.
No spam. No selling your data. Just ROOT when it is ready.
247 people already waiting