A browser extension

Stop paying for things that are already yours.

At checkout, it quietly checks your library card, phone plan, card perks, work benefits and your own past orders. If you already have it, you hear about it before you pay.

0 tapsIt wakes up on any checkout page

5 sourcesLibrary, plan, cards, work, orders

1 minTo fill your perks wallet

The ebook is free at your library.Most city libraries lend ebooks and audiobooks. Almost nobody checks before buying.

Your phone plan includes that add-on.Streaming and cloud extras hide inside plans you already pay for.

You bought that charger in March.Your own order history, matched on this device, catches the double buy.

"I wish one thing just told me at checkout that I already have this somewhere."Paraphrased from a feature request on a subscription tracker's feedback board. It was never built.

Step 1 of 3: add it to your browser

Whose perks are we loading?

Pick a sample shopper. Everything is editable on the next screen.

Step 2 of 3: your perks wallet

Ji-woo's wallet5 perks

Add more perks you have

Names, never numbers. You type "Travel Platinum card", not a card number. Your order history stays on this device and is never uploaded.

Step 3 of 3: learning what you already have

Building your perks map

An ordinary checkout.Ji-woo is about to pay $14.99. She never opened the extension.

brightcart.shop/checkout

BrightcartCart . Pay . Done

The Salt RoadEbook by Imani Osei, instant download

$11.99YOURS

Jazz & Soul add-onReelbox streaming, 1 month

$3.00YOURS

Subtotal$14.99

Tax$0.00

Total$14.99

Saved card ending 0000 (sample)

Wait. 2 of these are already yours.

Checked on this device. No card numbers stored.

Okay, quiet for this order. Tap the tag icon any time to see it again.

Cart total

$0.00

You kept $14.99 for something you already had.

Saved this year$212.4017 catches since January

A week later, another shop.Ji-woo's charger seems lost. She is about to buy a new one.

voltagoods.store/chargers/65w

Volta GoodsHome / Chargers

GaN 65W USB-C charger, white

1,204 reviews $34.00 Model GaN65-W. Ships in 2 days.

You bought this charger in March.

The grand mission

Every benefit you have, actually used.

People pay for things they already have access to every single day: library books, plan extras, card insurance, work stipends, duplicate gadgets. Already Yours becomes the quiet layer between you and every checkout, so nothing you are entitled to goes to waste.

The checkout check
Browser extension on desktop and mobile browsers. Libraries in 300 cities, 800 phone plans, 1,500 card benefit guides, your past orders matched locally.
Beyond the browser
A share sheet on phones for app stores and in-store receipts by photo. Household wallets so a family shares one library card and one plan.
Your benefits, working for you
It files the warranty claim, triggers price protection, and reminds you before a perk expires. Employers and libraries publish perks straight into wallets.

The north star: one shared number on the home page, "dollars not spent twice", counted across every user, in every currency, from Lagos to Seoul to Toronto.

Already Yours blueprint

The mission

People pay twice for things they already have access to: an ebook their library lends, a streaming add-on their phone plan includes, a charger they bought in March. Already Yours is a browser extension that checks every checkout against your library card, phone plan, card perks, work benefits and your own past orders, and tells you before you pay.

Why people can't resist it

Found money: "this is free for you" feels like a gift, and it arrives exactly when you are about to spend.

Zero effort: you never open it. It rides along on ordinary shopping and only speaks when it has a catch.

A number that grows: the "saved this year" total and a perks wallet that fills up give a quiet sense of being smart with money.

Closest existing products and what is new

BundleUp: tracks subscription bundles you pay for. It does not watch checkouts or know your library or past orders.

CardPointers: finds card offers and the best card to use. It does not tell you that you already own the item or can get it free.

Library Extension: shows library availability on book pages. Books only, and nothing about plans, cards, work or orders.

What is new: one checkout-time check across all your perks plus your own order history. A BundleUp user asked for exactly this in public feedback, and it was never built.

How it works for real

Extension: a Manifest V3 browser extension (Chromium browsers, Firefox, Safari on Mac and iPhone). A content script wakes only on pages that look like a cart or checkout (URL patterns plus page structure).

Cart reading: known shops use hand-written parsers. Unknown shops send the visible cart text (no payment fields, ever) to a fast cheap model through OpenRouter, such as Gemini Flash or DeepSeek, which returns clean JSON: title, ISBN or model number, brand, price.

Library check: ISBN lookup against public library catalogues and ebook lending platforms for the library the user named, with a fallback title and author search. Availability and holds come back live.

Plans, cards and work perks: a curated benefits database. A frontier LLM (Claude or GPT) extracts inclusions from public plan pages and card benefit guides into structured rules; a human reviews each one before it ships. Users only store product names.

Past orders: the user imports order emails (read-only, receipts only) or a shop's order export. Parsing and matching run on the device with a small embedding model and model-number rules; results live in the browser's local storage, never on a server.

The banner: matches above a confidence bar are explained in one plain sentence by the fast model, with a one-tap action (borrow, activate, remove from cart).

Cost per use

Checkout detection and known-shop parsing

$0.00

Unknown-shop cart extraction (fast model)

$0.0005

Library and benefits lookup

$0.0001

Past orders matching (on device)

$0.00

Benefits database upkeep, per user a month

$0.01

Free: library check, past orders, up to 5 perks in the wallet. Plus ($2.99 a month or $24 a year): unlimited perks, household wallet, warranty and price protection reminders, the Sunday note. No shop commissions, so it never has a reason to push you to buy.

Growth loop

Every catch ends with a "saved this year" card people love to post. Household wallets invite a partner or flatmate, who installs it to share the library card and plan. Each perk anyone adds ("my plan includes X") enriches the shared benefits database for everyone on the same plan, and public pages like "What your phone plan already includes" bring in search traffic.

Risks and guardrails

No card numbers: the wallet takes product names only and rejects anything that looks like a card or account number.

Order history privacy: parsed and stored on the device, encrypted, deletable in one tap. Never used for ads, never sold.

Page access: reads cart pages only, never payment fields, and the user can pause it per site.

Wrong matches: shows its reason and confidence, defaults to suggest, never removes items without a tap.

Terms of plans and cards change: every rule has a "last checked" date and a link to the source.

MVP build order

Chrome extension that detects checkout on 5 big shops and reads the cart.

Library check by ISBN for 20 city libraries, with the banner and "borrow instead".

Past orders from an order export file, matched locally by model number.

Perks wallet with 50 hand-curated phone plans and cards.

Saved-this-year counter, share card and the Sunday note.

Stop paying for things that are already yours.

Whose perks are we loading?

Building your perks map

Wait. 2 of these are already yours.

GaN 65W USB-C charger, white

You bought this charger in March.

Show off, nicely.

I almost paid twice. $261.39 saved this year.

Every benefit you have, actually used.