Step 1 · Link It
Link your credit cards
Read-only. Checking is optional — it helps reminders fit your paycheck and balance.
Early access
All your cards. One place to look.
Know exactly what to pay, before it counts.
Stop opening a different app for every card. sentientFi shows them together and tells you how much to pay down, and by when, so your statement closes under the utilization you choose.
- Bank-grade encryption
- No payment decisions by AI
You know you should pay it down before utilization creeps up.
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.
How it works
Three steps, then it runs itself
Spend on credit for groceries, gas, and everyday life. sentientFi tells you what to pay down before utilization creeps up — so rewards stay available without carrying a growing balance.
Step 2 · Set It
Pick a credit usage target
Set it once — 10%, 20%, whatever you want. We watch every card against it.
Step 3 · Forget It
Get a heads-up
Pay $38 on Chase by Oct 14. You pay in your card’s own app. sentientFi never moves money.
The amount comes from your target. AI only explains it.
Why it matters
Everything good about credit. None of the bad.
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.
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.
Product
Spend on credit. Sleep like debit.
Use your cards every day for the rewards. sentientFi keeps them in one place and tells you what to pay, and by when, so you are not watching balances or doing the math before statement close.
Your cards, in one place
Balances, limits, and statement dates on one screen. Stop opening a different app for every card just to see where you stand.
Everyday spend, rewards as usual
Groceries, gas, subscriptions — swipe the card you already use. Rewards stay with the issuer. We only tell you what to pay before the statement closes.
All your cards, one target
One target for every card. When any card drifts above it, you get the amount and the date.
A reminder before it counts
Pay $38 on Chase by Oct 14. The amount comes from your target. You pay it in that card’s own app.
Optional paycheck timing
Add payday, and a checking account if you want. Reminders can split across paydays before the statement closes. Both are optional.
Notifications that explain
Reminders timed to statement close, including why the number changed — up 3 points since your last check.
FAQ
Common questions
Does sentientFi move my money?
No. It’s read-only and never moves money. You pay in your card’s own app.
How does sentientFi access my accounts?
We connect your credit cards for read-only balances, limits, and statement dates. Linking checking is optional and only used to time reminders around your paycheck.
Why statement close?
Issuers usually report the closing balance to the credit bureaus. Paying before that date is what keeps the reported utilization under your target.
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 tells you what to pay so balances do not sit above your target.
Does AI pick the amount?
No. The engine calculates the amount. AI only explains it.
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.
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Email only — no card details asked here. Bank-grade encryption.