Intelligence you candeploy.
Item Decisioning Platform
One governed decision. Every UPC. Every state.
Morse IDP converts fragmented, constantly-changing SNAP waiver rules into one governed, versioned eligibility record per UPC — delivered natively into the POS your team already runs, and backed by an insurance guarantee.
22
Waiver states covered
1,100+
FNA rules tracked live
3×
Insured to subscription value
Universal Wallet
Every benefit. One wallet.
A flexible restricted-payment platform that delivers health benefits and rewards on a single card — from unrestricted spend to UPC-level control, configured to your program's rules. Operated by Speak, the Currency of Care.
$1B+
Benefits redeemed
10M+
Benefit cards managed each year
UPC
Level restriction control
SNAPMinnesota SNAP
$238.00OTC BenefitsHealthCo
$50.00Transportation FundsCityRide
$21.66