An Open Comparison Platform

Comparison hasn't failed because consumers don't want choice.
It has failed because comparison has been built as brands, brokers, and one-off businesses, rather than as infrastructure.

Most comparison platforms today are:

• Closed and brand-locked
• Capital-intensive to scale
• Built market-by-market from scratch
• Optimised for distribution power, not outcomes

Even with Open Banking and other Open Data frameworks, the industry still relies on:

• Manual forms
• Static rule engines
• Broker handoffs
• One-time transactions

Data became open — but comparison did not become programmable.

Access to data is only the first step.

Open Banking, Open Insurance, and similar initiatives solved permissioned access to information, but they did not solve:

• Personalisation
• Matching accuracy
• Lifecycle monetisation
• Scalable global distribution

Without an action layer, Open Data remains passive.
The missing piece is infrastructure that turns data into decisions.

We believe comparison should function like modern financial infrastructure:

• API-first
• Distribution-agnostic
• Embedded wherever users already are
• Built once, reused everywhere

Just as payment infrastructure sits beneath commerce,
comparison infrastructure should sit beneath product distribution.

This means:

• Partners should not need to build comparison logic themselves
• Providers should not rely on brand-led traffic monopolies
• Developers should integrate once and scale across markets
• Comparison should be a layer, not a destination

RateMatch is building open comparison infrastructure.

At its core, RateMatch provides:

• A proprietary matching engine that translates user intent and eligibility into outcomes
• An API-driven platform that connects partners, providers, and Open Data
• A distribution model that works across brands, products, and geographies

RateMatch does not replace partners or providers.
It enables them.

We sit between:

• User intent
• Open Data sources
• Provider products

…and close the loop by returning relevant, personalised offers in real time.

The most valuable part of comparison is not the interface — it is the logic.

RateMatch's matching engine:

• Filters based on eligibility, not just price
• Routes requests to the right Open Data APIs dynamically
• Improves as data density increases
• Creates better outcomes with scale, not worse

As more partners participate and more providers connect:

• Matching accuracy improves
• Conversion increases
• Acquisition becomes more efficient
• The platform becomes more defensible

This is where infrastructure value compounds.

Traditional comparison businesses scale by replication.
RateMatch scales by extension.

Because RateMatch is:

• Platform-first
• API-driven
• Compliance-aware
• Product-agnostic

New markets and new verticals plug into existing infrastructure rather than requiring reinvention.

This allows us to:

• Launch credit, insurance, and utilities on the same core platform
• Expand from Australia to the US and beyond without rebuilding
• Support multiple brands and distribution models simultaneously

Scale becomes a systems problem, not a marketing problem.

Three forces are converging:

• Open Data is becoming standardised
• Partners want to embed, not build
• Providers need more efficient distribution

The next generation of comparison will not be won by louder brands —
it will be won by better infrastructure.

If RateMatch succeeds:

• Comparison becomes open, not controlled
• Providers access demand through a single global layer
• Partners launch new product experiences without heavy lift
• Consumers receive outcomes tailored to their real profiles

We are building the infrastructure layer that makes this possible.