Not at this stage. We are currently in our build and testing phase. Once our systems are approved, audited, and fully licensed, we will invite early users to open accounts in a controlled rollout. You can register your interest now and we will keep you informed throughout our launch timeline.

We aim to begin phased access starting in late 2026, subject to regulatory approval. You can join our early access list to receive updates, pre-release invitations, and behind-the-scenes insights as we build. Everything will be released only when it meets our quality standards and the requirements of our regulators.

Move-to-Earn is our way of recognising effort. Our mobile app can track physical activity, such as walking or intentional movement, and reward it with points that we call Qaledon tokens. These tokens can be used within the Caledonia ecosystem for access to services, account enhancements, or fee reductions. The system is designed to encourage well-being without excluding people based on mobility. We are committed to ensuring that people with different levels of physical ability have meaningful ways to participate and benefit.

Qaledon tokens can be used to unlock practical rewards within the Caledonia platform. These might include discounted services, priority support, or enhancements to your account experience. The tokens are a way of recognising positive engagement, and they remain within our closed ecosystem. They are not designed or marketed for external exchange, trading, or speculative use.

Because financial and personal well-being are connected. We believe that effort, not just spending, should be recognised. Whether someone walks daily, uses adaptive physiotherapy, or takes on consistent activity in other forms, we want to create incentives that encourage consistency and care. Our systems are designed to include a broad range of mobility levels and are being developed with accessibility in mind from the start.

Most rewards programs are built around credit card usage or large transactions. Caledonia takes a different view. We reward engagement, consistency, and progress, not consumption. Our system does not rely on how much you spend but rather on how actively you participate. That participation is not defined solely by steps or speed. Inclusion is part of the design.

No. Qaledon tokens are not a form of currency and are not intended for resale or exchange. They are non-transferable, non-speculative utility tokens that are only usable within the Caledonia ecosystem. This approach is aligned with regulatory guidance and avoids the risks associated with unregulated digital assets. We are committed to remaining compliant with all relevant UK financial regulations.

Caledonia is being built for the way people actually work today, especially the self-employed, freelancers, and those with unpredictable income. Our technology is modern, our systems are designed to adapt, and we are focused on people often underserved by traditional banking. Inclusion, transparency, and personalisation are not features; they are the foundation.

Yes, but only where necessary and always clearly explained. We believe in plain-language pricing with no hidden charges. Our goal is to offer value without confusion and to let users offset some fees through participation and rewards. Every fee will be visible, fair, and tied to something useful.

Not immediatelyl, but soon. We are focused on launching in the United Kingdom first, where we are building our infrastructure in line with UK financial regulation. Expansion to other regions will be considered once we are operating securely and successfully under the UK regulatory framework.

Caledonia is being built with modern security principles from the ground up. We use strong encryption, behavioural fraud monitoring, and robust compliance checks. Our infrastructure is supported by cloud-native technology, AI-based controls, and future-ready architecture. We are also prioritising accessibility and inclusive design, ensuring our systems are easy to use and safe for everyone.

Yes. The Caledonia mobile app will be your central hub for managing accounts, tracking activity, earning rewards, and accessing tools that support your financial life. We are building it with accessibility in mind and will include support for a range of devices and interaction styles. It will not just look good; it will work well for everyone.

We are designing our services for flexibility and context. That means support for variable income, faster verification without heavy paperwork, and tools that help track earnings across multiple sources. Our experience will adapt to how freelancers work, including those with fluctuating hours or non-traditional employment histories.

We are currently pursuing authorisation as an Electronic Money Institution from the UK Financial Conduct Authority. This allows us to hold client funds, issue e-money, and provide account-based services. If and when we choose to expand into regulated lending or banking, additional permissions will be sought in full consultation with the appropriate authorities.

That is part of our long-term plan, but only once we are fully licensed and ready to do so responsibly. We will expand into these areas in stages, in line with regulation and only after proving the reliability of our core services. Our approach is always compliance first.

Yes, if you are a freelancer operating through a limited company or a sole trader, Caledonia is being designed with you in mind. Our initial rollout focuses on individuals, including those who work through their own business structures. Support for larger or multi-user company accounts will come later, but if you are incorporated and working independently, you will be able to use Caledonia from the start.

No. There will be no minimum balance requirements to keep your account active. We are here to support people at every stage, including those starting fresh or navigating a financial reset. Our tools are built to be useful regardless of your current income level or savings balance.

We are building for people who are often excluded from traditional banking due to income irregularity, unconventional work, or accessibility needs. Innovation is not just a buzzword; it is how we close those gaps. Every feature we develop is tested for usability, transparency, and relevance to people who are typically underserved.

The easiest way is to join our early access list. We send occasional updates, behind-the-scenes notes, and invitations to try early features. You will not get spammed, just honest, useful updates from the people building it.