Grace offers a payment services app to consumers that gives them freedom and control over their income. Users of the Grace service can ‘flex’ their finances by being paid their future income, instead of e.g. recieving the income by the end of the month. With our services, we hope to eliminate the the need for people taking small payday loans or overdrafts with often high interest rates and hidden fees, by instead give our users access to a share of their money when they actually need them.