No landing-spot institution for the debanked, de-platformed and digitally excluded

Losing a bank account, a platform account or a digital identity in the UK increasingly means losing the ability to work, rent, trade or organise, with no due process and no institution whose job is restoration. Debanking of individuals, charities and small businesses proceeds under de-risking logic with ombudsman appeals that take months. Platform de-platforming has no appeal outside the platform, and digital-ID exclusion errors will scale with One Login. Advice agencies handle fragments, and nobody provides the composite: emergency payment rails, identity re-establishment, communications continuity and casework against the excluding institution.

A person cut off from payments and identity is functionally rightless whatever their legal rights say, the domestic form of Arendt's right to have rights. As access to essentials becomes conditional on accounts, exclusion errors become livelihood-destroying events, and they persist because they stay invisible.

A landing-spot service: rapid casework for the debanked and excluded, guaranteed-access payment arrangements through credit-union partnerships and cash-capable rails, identity re-establishment support, and published data on exclusion volumes and causes, with policy work towards statutory due-process duties on account closure.

// Build now: First artefact: rapid casework service plus published exclusion-volumes tracker; credit-union partnerships are voluntary, not gatekeeping.

Debanking and digital-ID exclusion strip livelihoods with no restoration institution, the composite service is buildable and unowned, and One Login will scale exclusion errors.