Nosso (Formerly Hapi Plan)

Nosso, formerly known as Hapi Plan, was a London-based financial technology company established in 2020 by Youssef Darwich and Sigurjon Isaksson. The founders met at the talent investor Entrepreneur First and combined their previous startup experiences; Darwich was an early employee at the digital banking service Tide, and Isaksson was with Eigen Technologies. Their shared belief was that family finances were underserved by an industry dominated by single-user products.

The company's core offering was a mobile application designed to help parents invest and plan for their children's financial futures collaboratively. The app allowed two parents to open, manage, and contribute to investment accounts for their children, such as Junior ISAs and General Investment Accounts. A key feature was a unique contribution link that could be shared with family and friends, enabling them to add funds directly without needing to create their own Nosso account. Contributors could also attach personal messages and pictures to their gifts, blending financial planning with personal connection. The investment options included a range of ETFs managed by BlackRock.

Nosso's business model focused on addressing the lack of awareness and accessible tools for parents looking to save for their children's futures. In February 2022, the company secured $2.8 million in a seed funding round led by Octopus Ventures and Anthemis, with participation from Entrepreneur First and several angel investors. This capital was intended to expand the product offering, including the planned launch of a fully digital Junior Investment Account (Bare trust). Despite its initial traction and funding, Nosso announced in early 2024 that it would be winding down its business and closing all accounts.