Competitive landscape

Feature matrix

GuardRail today and planned, against every competitor and adjacent product the research pass profiled. Every Yes or Partial on a competitor is footnoted to a page that was actually read; Unverified means it could not be confirmed, not that it is absent. Generated 2026-09-07.

Yes Partial No Unverified

Feature	GuardRail today	GuardRail planned	Gamban	BetBlocker	GamStop	BetStop	Monzo gambling block	Covenant Eyes	Ever Accountable	Quit Gambling: Guardrail	StickK	Birches Health	Kindbridge	Carefull	Kalshi Inner Circle	Greenlight	Bark	Rocket Money
Detection and data
Reads the member's own bank transactions across any bank (aggregator, read-only) [1][2][3]	Yes	Yes	No	No	No	No	Partial	No	No	No	No	No	No	Yes	No	Unverified	No	Yes
Classifies confirmed gambling merchants (sportsbooks, casinos, lottery) [1]	Yes	Yes	No	No	No	No	Yes	No	No	No	No	No	No	Unverified	No	Unverified	No	Unverified
Separate tier for prediction markets (Kalshi, Polymarket, PredictIt)	Yes	Yes	Unverified	Unverified	No	No	Unverified	No	No	Unverified	No	No	No	Unverified	No	Unverified	No	Unverified
Surfaces peer-to-peer payments (Venmo, Zelle, Cash App) as a soft signal	Yes	Yes	No	No	No	No	Unverified	No	No	No	No	No	No	Unverified	No	Unverified	No	Unverified
Surfaces cash and ATM withdrawals as a soft signal	Yes	Yes	No	No	No	No	Unverified	No	No	No	No	No	No	Unverified	No	Unverified	No	Unverified
Crypto exchange funding as a signal (Coinbase, Kraken, self-custody hops)	Yes	Yes	No	No	No	No	Unverified	No	No	No	No	No	No	Unverified	No	Unverified	No	Unverified
Borrowing signals: BNPL, payday loans, cash advances, overdraft and NSF fees, new credit [1]	Yes	Yes	No	No	No	No	Unverified	No	No	No	No	No	No	Unverified	No	Unverified	No	Partial
Multi-account coverage score and hidden-account (went dark) detection	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	Unverified	No	Unverified	No	Unverified
Sees gambling across every operator and venue, not only one [1][2][3][4][5][6]	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	No	No	No	Unverified	No	Unverified	No	Unverified
Risk scoring
Deterministic multi-domain risk score with published domain names [1]	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	Unverified	Partial	No	No	No
Banded status (Stable, Elevated, High Concern, or equivalent severity levels) [1][2][3]	Yes	Yes	No	No	No	No	No	Partial	Yes	No	No	No	No	Unverified	Unverified	No	Partial	No
Escalation and chasing proxies (deposit velocity, same-counterparty bursts)	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	Unverified	Unverified	No	No	No
Episode memory (a recent episode keeps a floor under the score)	Yes	Yes	No	No	No	No	No	No	No	No	No	No	No	Unverified	Unverified	No	No	No
Time-of-day and payday-clustering signals	Yes	Yes	No	No	No	No	Unverified	No	No	No	No	No	No	Unverified	Unverified	No	No	Unverified
Plain-language explanation of why this band, shown to both people [1]	Yes	Yes	No	No	No	No	No	Unverified	Partial	No	No	No	No	Unverified	Unverified	No	Unverified	No
Self-set commitment or limit evaluated against real data [1][2][3]	Yes	Yes	No	No	No	No	Partial	No	No	No	Partial	No	No	No	Yes	Unverified	No	Unverified
Partner and sharing
Member invites a chosen partner (member-first consent, nothing shared until they choose) [1][2][3][4][5][6][7][8][9]	Yes	Yes	No	No	No	Partial	No	Yes	Yes	Partial	Yes	Partial	Partial	Yes	Yes	No	No	Unverified
Partner sees exactly what the member sees (symmetric view) [1]	Yes	Yes	No	No	No	No	No	Unverified	Unverified	No	Unverified	No	No	Partial	Unverified	No	No	Unverified
Partner sees flags and bands, never the raw feed (Bark pattern) [1][2][3][4]	Yes	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	Yes	Unverified	No	Yes	Unverified
Real-time alert to the partner on a status change or flagged event [1][2][3][4][5][6][7][8]	Yes	Yes	No	No	No	Partial	No	Yes	Yes	No	Partial	No	No	Yes	Yes	Yes	Yes	No
Weekly digest to the partner that reports even a quiet week [1][2]	Yes	Yes	No	No	No	No	No	Partial	Yes	No	No	No	No	Unverified	Unverified	Unverified	Unverified	No
Partner told when the member pauses sharing, removes the partner, or weakens a protection [1][2][3]	Yes	Yes	No	No	No	Yes	No	Yes	Yes	No	No	No	No	Unverified	Unverified	Unverified	Unverified	Unverified
Member-chosen delay before a change to sharing takes effect	Yes	Yes	No	No	No	No	No	Unverified	Unverified	No	Unverified	No	No	Unverified	Unverified	No	No	No
Multiple partners or supporters [1][2][3][4]	Partial	Yes	No	No	No	Yes	No	Unverified	Unverified	Partial	Unverified	No	No	Partial	Partial	No	No	Unverified
Conversation starters and a partner playbook keyed to the status [1][2]	Yes	Yes	No	No	No	No	No	Unverified	Unverified	No	No	Partial	Partial	Unverified	Unverified	Unverified	Unverified	No
Escalation ladder with a warm handoff to a helpline or treatment [1][2][3]	Yes	Yes	Partial	No	No	Unverified	Partial	Unverified	Unverified	No	No	No	No	Unverified	Yes	No	Unverified	No
Member can revoke the partner at any time [1][2][3][4]	Yes	Yes	No	No	No	Unverified	No	Unverified	Yes	Yes	Yes	No	No	Yes	Unverified	No	No	Unverified
Member tools
Note to future self shown when risk rises [1]	Yes	Yes	No	No	No	No	Yes	No	No	Unverified	Unverified	No	No	No	Unverified	No	No	No
Streaks or day counters [1]	Yes	Partial	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
In-the-moment urge tools (cooldown timer, calming prompt) [1]	No	No	No	No	No	No	No	No	No	Yes	No	Unverified	Unverified	No	No	No	No	No
Protections checklist and self-exclusion concierge across venues [1][2]	Yes	Yes	Partial	No	No	No	No	No	No	No	No	Unverified	Unverified	No	Partial	No	No	No
One-tap helpline or crisis line (988, national helpline) [1][2]	Yes	Yes	Partial	Unverified	Unverified	Unverified	Unverified	No	No	Unverified	No	Unverified	Unverified	No	Yes	No	Unverified	No
Blocking and controls
Blocks gambling sites and apps on the device [1][2][3]	No	No	Yes	Yes	No	No	No	No	No	Yes	No	No	No	No	No	No	Unverified	No
Declines gambling card transactions (MCC 7995 block) or issues a controlled card [1][2]	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	Partial	No	No
Operator-level self-exclusion [1][2][3][4]	No	No	Partial	No	Yes	Yes	No	No	No	No	No	Unverified	Unverified	No	Yes	No	No	No
Deposit or funding caps at the venue [1]	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Unverified	No	No
Cooling-off or delay before a protection can be weakened [1][2][3][4][5][6]	Yes	Yes	Unverified	Yes	Yes	Yes	Yes	Unverified	Unverified	Yes	Unverified	No	No	Unverified	Yes	Unverified	Unverified	No
Hard-to-remove design (uninstall protection, cannot shorten, third-party notified) [1][2][3][4][5][6][7][8][9]	No	No	Yes	Yes	Yes	Yes	Yes	Partial	Partial	Yes	Unverified	No	No	Unverified	Yes	Unverified	Unverified	No
Treatment and support
Licensed therapy, insurance billed [1][2][3]	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	Partial	No	No	No
Peer support groups or peer mentors [1][2]	No	Partial	No	No	No	No	No	No	No	Unverified	No	Yes	Yes	No	No	No	No	No
Family or couples therapy [1][2]	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Financial counselling or financial wellness coaching [1]	No	Partial	No	No	No	No	No	No	No	No	No	Yes	Unverified	Unverified	No	No	No	Unverified
Referral to clinical care from inside the product [1][2][3]	Partial	Yes	Yes	No	No	Unverified	Partial	Unverified	Unverified	Unverified	No	No	No	Unverified	Yes	No	Unverified	No
Validated screening tool (BBGS, Lie/Bet, or equivalent) [1][2]	Yes	Partial	No	No	No	No	No	No	No	No	No	Unverified	Yes	No	Partial	No	No	No
Institutional and program
Campus or university program [1]	Yes	Yes	Unverified	Unverified	No	No	No	No	No	No	No	Yes	Unverified	No	No	No	Unverified	No
Employer or EAP channel [1][2]	No	Yes	Unverified	No	No	No	No	Unverified	Unverified	No	No	Yes	Yes	Unverified	No	No	Unverified	No
Distributed or sold through institutions (banks, operators, regulators, charities) [1][2][3][4][5][6][7]	No	Yes	Yes	Yes	Yes	Yes	No	Unverified	Unverified	No	No	Yes	Yes	Yes	No	Unverified	Unverified	No
Aggregate, anonymised reporting for a program administrator	No	Yes	Unverified	Unverified	Unverified	Unverified	No	Unverified	Unverified	No	No	Unverified	Unverified	Unverified	No	No	Unverified	No
Government or regulator partnership [1][2][3][4][5][6]	No	No	Yes	Partial	Yes	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Publishes research or evaluation data [1][2][3][4][5]	Partial	Partial	Unverified	Unverified	Yes	Yes	Yes	No	No	No	Partial	Unverified	Yes	No	Unverified	No	No	No
Community and education
Member community or forum [1][2]	Yes	Partial	No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	No	No	No
Resource hub with sourced statistics and explainers [1][2][3]	Yes	Yes	Unverified	Unverified	Unverified	Unverified	Unverified	Unverified	Unverified	No	No	Yes	Yes	Unverified	Partial	Unverified	Unverified	Unverified
How-to-talk-about-it content for families	Yes	Yes	No	No	No	No	No	Unverified	Unverified	No	No	Unverified	Unverified	Unverified	No	Unverified	Unverified	No
Platform and security
Web app in the browser [1][2][3][4][5][6][7]	Yes	Yes	Unverified	No	Yes	Yes	Unverified	Unverified	Unverified	No	Yes	Yes	Yes	Yes	Yes	Unverified	Unverified	Unverified
Native mobile apps (iOS and Android) [1][2][3][4][5][6][7]	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Partial	Unverified	Unverified	Unverified	Unverified	Unverified	Unverified	Yes	Unverified
Consent screen that states exactly what the partner will and will not see [1][2]	Yes	Yes	No	No	No	Unverified	No	Unverified	Yes	No	Unverified	No	No	Yes	Unverified	No	Unverified	Unverified
Pricing and business model
Free tier or free access [1][2][3][4][5][6][7][8][9][10][11][12]	Yes	Partial	Partial	Yes	Yes	Yes	Yes	No	Unverified	Yes	Yes	Partial	Partial	Partial	Yes	No	No	Yes
Consumer subscription [1][2][3][4][5][6][7]	Partial	Yes	Yes	No	No	No	No	Yes	Yes	No	No	No	No	Yes	No	Yes	Yes	Yes
One plan covers the member and the partner (partner pays nothing) [1][2][3][4][5]	Yes	Yes	No	No	No	No	No	Yes	Unverified	No	Yes	No	No	Yes	Yes	Yes	Unverified	Unverified
Funding or scale disclosed publicly [1][2][3][4][5][6][7][8][9][10][11][12][13][14]	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Partial	Yes	Yes	Unverified	Yes	Yes	Unverified	Yes	Yes

Source: the competitor and feature study in guardrail-competitors-and-features.md. Cells reflect what could be read on each product's own pages on the date generated.