Keep utilization low
Healthier credit
Every card stays under your target, so the number lenders look at stays low — even when you spend a lot.
Early access
Run every purchase through your cards. Maximize your rewards, Skip the interest, never carry a balance.
The autopilot for managing credit card balances.
Link your cards and a bank. We pay them back down automatically so utilization stays at your target, with limits you control.
Connected via Plaid (read-only) 
Payments via Stripe - Bank-grade encryption
- No payment decisions by AI
You know you should pay it down before interest kicks in.
But between tracking which card has what balance, remembering when statements close, checking before a big purchase, and doing the math on payday — it's a lot to keep up with.
Whether you carry one card or five, sentientFi handles it automatically — so you keep the rewards and stop carrying the stress.
Why it matters
Everything good about credit. None of the bad.
Never pay interest
Balances cleared in time
Cards get paid down before interest can accrue. You carry the convenience of credit, not the cost of it.
Still earn every point
Spend exactly like today
Same cards, same rewards, same bonus categories. sentientFi never changes how you swipe — only how fast it gets paid back.
How it works
Three steps, then it runs itself
Spend on credit for groceries, gas, and everyday life. sentientFi pays cards down before utilization creeps up — so rewards stay available without carrying a growing balance.
Step 1
Link your cards and bank
Read-only card monitoring via Plaid, plus one bank account to pay from.
Step 2
Pick a credit usage target
Most people aim under 10%. We watch every card against it.
Step 3
We pay cards down automatically
sentientFi pays each card back down before utilization creeps up — no reminders, no math. It's automatic, but you're always in control.
Protected by a checking-balance buffer you set — and big payments always ask you first.
Product
Spend on credit. Sleep like debit.
Built for people who want to use their cards every day for rewards, without watching balances or missing due dates.
Everyday spend, rewards as usual
Groceries, gas, subscriptions — swipe the card you already use. We pay it back down so the balance does not linger and utilization stays at your target.
All your cards, one target
Track utilization across every linked card. When any card drifts above your target, sentientFi pays it back down.
Progress you can see
Days under target, paydown velocity, and interest saved estimates — grounded in your actual ledger, never invented.
Manual override, always
Make a payment anytime. Pause autopay per card. Adjust your target whenever you need to.
Notifications that explain
Get a heads-up before scheduled paydowns and alerts when utilization crosses your target — with clear, factual copy.
Transparency
AI that explains, not decides
The sentientFi engine decides when and how much to pay — with deterministic logic and full test coverage. The agent turns those facts into notification copy and answers your questions in chat.
No LLM ever touches payment amounts or triggers. If the agent cannot validate its copy against engine facts, it falls back to templates. You always know what happened and why.
Safety rails
Automatic, not reckless
This is a payments product. It's automatic, but you're always in control — every autopay run is bounded by limits you configure.
- Checking balance buffer Autopay never drains below your minimum checking buffer.
- Payment caps Set max per payment and max daily total — defaults included, fully adjustable.
- Approval threshold Large autopay amounts can require your explicit approval before they run.
- Per-card pause Pause autopay on any card without turning off the rest of your portfolio.
FAQ
Common questions
Does sentientFi move money without asking?
Autopay runs on a schedule you enable, within limits you set. You can pause per card, pay manually anytime, and require approval for payments above a threshold.
How does sentientFi access my accounts?
We use Plaid to connect your credit cards (read-only monitoring) and one bank account to pay from. Payments are processed via Stripe.
Will this hurt my credit score?
Keeping utilization low is generally good for credit health. sentientFi helps you stay under your target — we do not guarantee specific score outcomes.
Do I still earn card rewards?
Yes. You spend on your cards the way you do today. sentientFi does not change how issuers post rewards — it pays balances down so they do not sit above your target.
Does AI decide how much to pay?
No. Payment amounts and triggers come from a deterministic engine with full test coverage. AI only narrates notifications and answers questions — it never makes payment decisions.
Is there a fee?
sentientFi is in early access. Join the waitlist for launch details.
Early access
Join the waitlist
Be first to try sentientFi when we open the beta. We'll reach out with TestFlight and Play Store access.
You're on the list — we'll be in touch.
Couldn't join right now — try again in a moment.
Email only — no card details asked here. Bank-grade encryption.