KOHO growth playbook

Have Compliance confirm the current member figure and the review source, then rewrite the English and French homepage descriptions around it (members, rating, what KOHO does) without rate, fee or approval claims. Do the same for the top 20 landing pages by search traffic, add one shared "proof" source so numbers update everywhere at once, and check the new preview in Google, Facebook and messaging apps.

Social proof in the search result is the cheapest lift in click-through there is, and a single source of truth stops the web and app from drifting apart again.

[ ] Member figure confirmed and dated by Compliance
[ ] Review rating and source named
[ ] English meta, OG and Twitter descriptions updated
[ ] French versions updated
[ ] Top 20 landing pages checked
[ ] One CMS field feeds every page
[ ] Previews checked in Google and messaging apps

• Figure changes often

  Use a rounded, dated figure approved by Compliance.

• Review rating rules

  Name the review source and date as the homepage does.

• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source
• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source

Add hreflang (en-CA, fr-CA, x-default) to every page that has a twin, in the HTML head and the sitemap, generated from the shared path. Check in Search Console by language.

Quebec is a large share of KOHO's market; showing each searcher the right language raises click-through and conversion with no new content.

• Pages without twins

  Tag only real pairs.

• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source

Run a review of every borrowing headline, title and meta description (cash advance, Cover, line of credit, Pay Later, payday comparison pages) with Compliance and Legal, so each headline is accurate on its own and the bundle requirement is stated where the offer is made. Put the approved phrasing in a shared copy library the growth team must use.

Clear, consistent claims protect trust and reduce complaints and regulatory risk, and a pre-approved library lets the growth team test faster, not slower.

• Lower click-through on plainer headlines

  Test plain phrasing variants within the approved library.

• Your websiteBorrowing copy: the homepage cash advance block says "up to $500 interest-free with no approvals required³", while footnote ³ says "Subscription to Cover Bundle required" and "Credit limits are subject to approval and limits are not guaranteed"; /payday-loans is titled "Payday Loans Online - No Credit Check" with the footnote "Credit limits not guaranteed and subject to approval"; /line-of-credit offers a "$1,000-$15,000 KOHO Line of Credit provided by Fora".Source
• HiringSenior Product Designer (remote Canada, open since June 26, 2026): works with product managers on strategy and will "Collaborate with cross-functional teams to influence all aspects of the product from copywriting to lifecycle marketing". Every KOHO post describes the mission as "no hidden fees, no predatory interest rates" and says KOHO is "entering its next chapter - leaner, smarter, more AI-integrated".Source
• HiringSenior Product Manager, Collections & Recoveries (posted October 22, 2026): "KOHO is building toward becoming a full-service bank"; the role builds "a Collections Hub in-app", "Hardship and Settlement loans, to give delinquent users a structured payment plan", tests "pay-date-aligned due dates", and works with Compliance and Legal on "cost of borrowing disclosure, FCAC and OSFI expectations".Source
• HiringRegulatory build-out: a Director of the Privacy Office (Deputy Chief Privacy Officer) and a Director of the Financial Crime Office (Deputy AML Officer; Head of Regulatory Relations and Testing), both posted September 8, 2026, plus an Engineering Manager, Platform (October 15, 2026).Source

Confirm with Product whether Essential is still offered. If not, redirect /essential to /accounts with a note for existing Essential members in the help center. Update /coming-soon to show only unreleased features, and set a quarterly review of plan and product pages.

Searchers who land on an old plan or a stale roadmap get mixed messages about what KOHO offers and costs.

• Legacy members confused

  Explain in the app and help center first.

• Your website/essential describes an "Essential" plan ("$0 monthly fee" when you set up direct deposit or add $1,000 a month) and is self-canonical and in the sitemap, but it is not among the plans on the homepage FAQ or /accounts and no other page checked links to it. /coming-soon still lists the KOHO Line of Credit and crypto as coming soon, while both have live product pages.Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source

Rename the item to "Learn", link it to a Learn hub organized by goal (save, build credit, borrow responsibly, newcomers), and feature the newest articles and the member story videos.

Visible, useful content builds trust before signup and keeps search visitors on the site.

• None material

  Keep the hub current.

• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source
• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source
• Your websiteReferral page: "Refer a friend to KOHO and we'll give you both $20, or three months free on our Extra plan". The homepage shows three member story videos ("The bride with a vision & a budget", "The self-taught credit queen", "The recovering chaotic spender"); KOHO's YouTube channel has 109 videos and about 4,050 subscribers.Source

Decide which tool owns each question (product analytics, session replay, attribution) and remove the duplicates from the marketing site, route the rest through Segment, load replay and ad tags after interaction, and set a third-party budget per page with an owner for each tag.

A quicker, more responsive page lifts signup conversion on mobile and makes experiment data cleaner.

• Teams lose a favourite tool

  Keep it in the app where it is used, not on every web page.

• Google PageSpeedMobile test of the homepage: performance 46/100, main content appears in 7.4 s (target 2.5 s), 2.1 MB downloaded, 1.4 MB of it from 22 third-party services. Real visitors fail Core Web Vitals on interaction delay (INP 222 ms; the limit is 200 ms). Five analytics tools load (Segment, Amplitude, Heap, Hotjar, Microsoft Clarity) next to Google Tag Manager, TikTok and Facebook tags; the largest fix is 575 KB of unused JavaScript.Source
• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source

Rank the English articles without a French twin by traffic and signups, translate and adapt the top 100 with native writers (Quebec rules and examples where they differ), and link them with hreflang.

Each translated top article is a proven page opening a second audience.

• Literal translation

  Adapt, do not translate word for word.

• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source

Find the first-week actions that best predict staying after the trial (for example card activation, direct deposit, first cash back), design onboarding around reaching one of them, and show progress in the app. Test with a holdout group.

Activation inside the trial is the strongest retention lever for subscription finance apps.

• Pushes members to products they do not need

  Pick moments tied to everyday value, not borrowing.

• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source
• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source

Build a newcomer kit (first-month checklist, how Canadian credit works, how to open an account) in the most common newcomer languages, offer it to settlement agencies and community organizations, and track signups with partner codes.

Trusted guides in a newcomer's first month create long-lasting primary relationships.

• Agencies avoid commercial partners

  Offer the education kit free and unbranded first.

• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source
• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source

Trigger an in-app referral prompt after three value moments, with a share message members can edit. Measure referral rate by trigger and keep the reward unchanged.

Timing lifts referral response without raising rewards.

• Prompt fatigue

  Cap at one prompt a month.

• Your websiteReferral page: "Refer a friend to KOHO and we'll give you both $20, or three months free on our Extra plan". The homepage shows three member story videos ("The bride with a vision & a budget", "The self-taught credit queen", "The recovering chaotic spender"); KOHO's YouTube channel has 109 videos and about 4,050 subscribers.Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source

Bring the website onto the design system's tokens and components, with shared content fields (plans, member counts, ratings) so web and app always show the same thing.

Consistency builds trust in a finance brand and speeds up web experiments.

• Slow migration

  Start with the highest-traffic pages.

• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source
• Your website/essential describes an "Essential" plan ("$0 monthly fee" when you set up direct deposit or add $1,000 a month) and is self-canonical and in the sitemap, but it is not among the plans on the homepage FAQ or /accounts and no other page checked links to it. /coming-soon still lists the KOHO Line of Credit and crypto as coming soon, while both have live product pages.Source

Publish a plain, calm page (English and French) explaining what to do if you are behind on a KOHO credit product, how to reach the hub, and what support exists, reviewed by Compliance. Link it from borrowing pages and help center.

Early contact improves recovery and keeps the relationship, and it shows the mission in practice.

• Seen as promising relief

  Describe options without guaranteeing them.

• HiringSenior Product Manager, Collections & Recoveries (posted October 22, 2026): "KOHO is building toward becoming a full-service bank"; the role builds "a Collections Hub in-app", "Hardship and Settlement loans, to give delinquent users a structured payment plan", tests "pay-date-aligned due dates", and works with Compliance and Legal on "cost of borrowing disclosure, FCAC and OSFI expectations".Source
• HiringSenior Product Designer (remote Canada, open since June 26, 2026): works with product managers on strategy and will "Collaborate with cross-functional teams to influence all aspects of the product from copywriting to lifecycle marketing". Every KOHO post describes the mission as "no hidden fees, no predatory interest rates" and says KOHO is "entering its next chapter - leaner, smarter, more AI-integrated".Source
• Your websiteBorrowing copy: the homepage cash advance block says "up to $500 interest-free with no approvals required³", while footnote ³ says "Subscription to Cover Bundle required" and "Credit limits are subject to approval and limits are not guaranteed"; /payday-loans is titled "Payday Loans Online - No Credit Check" with the footnote "Credit limits not guaranteed and subject to approval"; /line-of-credit offers a "$1,000-$15,000 KOHO Line of Credit provided by Fora".Source

Publish one member story a month (with consent and compliance review), embed each in the matching Learn article, cut short versions for social, and add a subscribe prompt.

Stories carry trust that product ads cannot.

• Implied results

  Add clear "results vary" notes.

• Your websiteReferral page: "Refer a friend to KOHO and we'll give you both $20, or three months free on our Extra plan". The homepage shows three member story videos ("The bride with a vision & a budget", "The self-taught credit queen", "The recovering chaotic spender"); KOHO's YouTube channel has 109 videos and about 4,050 subscribers.Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source

Design an in-app pay-switch flow with a pre-filled direct deposit form, employer instructions and a CRA guide; prompt it at signup and after the first week.

Primary-account members are the most valuable and least likely to leave.

• Members hesitant to switch pay

  Offer a partial deposit option.

• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source
• Your website/essential describes an "Essential" plan ("$0 monthly fee" when you set up direct deposit or add $1,000 a month) and is self-canonical and in the sitemap, but it is not among the plans on the homepage FAQ or /accounts and no other page checked links to it. /coming-soon still lists the KOHO Line of Credit and crypto as coming soon, while both have live product pages.Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source

Write a short page and in-app note explaining the change in plain language (reviewed by Compliance for any speed or reliability claims), and update the e-Transfer page and help center.

Infrastructure milestones become trust signals when members understand them.

• Overclaiming speed

  Only state what Compliance approves.

• News coverageKOHO raised C$130 million at a C$1.33 billion valuation on June 11, 2026 to fund growth and continue pursuing a bank licence; in May 2026 it connected directly to Interac e-Transfer as a participant.Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source

Publish an annual, aggregated, privacy-reviewed report on how Canadians save, spend and build credit, by province and age band, in English and French, and launch it with press.

Original data earns press and links and positions KOHO as the authority on everyday money in Canada.

• Privacy

  Aggregate and suppress small groups.

• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source
• Your websiteHomepage (checked October 22, 2026): the page says "2.5M+ Canadians getting ahead with KOHO" and "4.8/5 Rating from 82K+ reviews", but the meta description, Open Graph and Twitter descriptions, which search results and link previews show, still say "Join over 1.5M Canadians"; the French homepage description says "plus de 1,5 M de Canadiens". The FAQ lists three plans (Core, Extra, Everything), each with a free 30-day trial. The menu shows "Blog" labelled "Coming Soon".Source
• HiringRegulatory build-out: a Director of the Privacy Office (Deputy Chief Privacy Officer) and a Director of the Financial Crime Office (Deputy AML Officer; Head of Regulatory Relations and Testing), both posted September 8, 2026, plus an Engineering Manager, Platform (October 15, 2026).Source

Prepare, without announcing anything early, the research, messaging and onboarding changes a licence would allow: what members would want to know, how to explain protection, and which members would move more of their banking. Keep it ready for Compliance to release.

Being ready turns a regulatory milestone into a growth moment.

• Premature claims

  Nothing is published before approval.

• News coverageKOHO raised C$130 million at a C$1.33 billion valuation on June 11, 2026 to fund growth and continue pursuing a bank licence; in May 2026 it connected directly to Interac e-Transfer as a participant.Source
• HiringSenior Product Manager, Collections & Recoveries (posted October 22, 2026): "KOHO is building toward becoming a full-service bank"; the role builds "a Collections Hub in-app", "Hardship and Settlement loans, to give delinquent users a structured payment plan", tests "pay-date-aligned due dates", and works with Compliance and Legal on "cost of borrowing disclosure, FCAC and OSFI expectations".Source
• HiringSenior Product Design Manager, Growth (remote Canada, posted September 23, 2026): leads designers "across zero-to-one, growth, onboarding" and the KOHO Design System "across app and web"; will "Coach teams through experimentation", "Balance growth velocity and unit economics with customer value, craft quality, trust, accessibility", and treat "growth as a product and design problem, not simply a funnel or conversion problem", toward KOHO's mission "to be the bank of choice for all Canadians".Source

Link score pages into a learning path (understand, check, improve), add a free score check entry point and progress milestones, and translate the path to French. No promises of score outcomes.

A structured path converts one-off searches into members with an ongoing goal.

• Implied guarantees

  Use the site's existing "results vary" language.

• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source
• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source

Refresh the page with real upcoming features, ask voters for an email to join a research panel, and feed results into growth experiments.

Voters are motivated users; a panel speeds research.

• Expectations

  Say voting guides, not decides.

• Your websiteSince October 2025 the homepage headline changed from "Canada's app for making money progress" to "The smart way to spend, save, and borrow"; the site added Heap and dropped Intercom. KOHO has pages for newcomers (/new-to-canada), CRA direct deposit (/cra-direct-deposit) and a feature-voting page (/coming-soon: "vote for new features that matter to you").Source
• Your website/essential describes an "Essential" plan ("$0 monthly fee" when you set up direct deposit or add $1,000 a month) and is self-canonical and in the sitemap, but it is not among the plans on the homepage FAQ or /accounts and no other page checked links to it. /coming-soon still lists the KOHO Line of Credit and crypto as coming soon, while both have live product pages.Source

Remove template URLs and retired pages from the sitemap, mark thin author pages noindex if they add no value, and regenerate the sitemap automatically on release.

A clean sitemap focuses search crawling on pages that convert.

• Removing useful pages

  Check traffic before removing.

• Your websiteSitemap (1,761 URLs, checked October 22, 2026): 815 English /learn articles but 324 French ones; 164 English /credit-building articles but 76 French. French pages reuse the English paths under /fr/ with lang="fr", but neither the homepage, /core nor learn article pairs carry hreflang tags linking the two languages. The sitemap also lists two template URLs with an unfilled "[requestCode]" placeholder.Source
• Your website/essential describes an "Essential" plan ("$0 monthly fee" when you set up direct deposit or add $1,000 a month) and is self-canonical and in the sitemap, but it is not among the plans on the homepage FAQ or /accounts and no other page checked links to it. /coming-soon still lists the KOHO Line of Credit and crypto as coming soon, while both have live product pages.Source