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Invest in Credi.Fi

A credit card that builds wealth instead of debt

EARLY BIRD TERMS: $150,000 LEFT

$0

reserved of a $50,000 goal
INVESTMENT TERMS
Future Equity
 $5M  $4.5M valuation cap
Early Bird Bonus: The first $150K of investments will be in a SAFE with a $4.5M valuation cap and 5% discount
$250, $500, $1K, $10K

Highlights

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Founder previously exited 1 company
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26k Waitlist subscribers
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Secured University Partner Distribution
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We are Angel Backed

Our Founder

Making wealth more accessible to college students

College students need to shift their focus from obsessing over credit scores to prioritizing wealth building. By investing in financial knowledge, developing valuable skills, and exploring entrepreneurial opportunities, they can secure long-term financial well-being, independence, and leave a lasting impact on their future. Let's encourage a paradigm shift towards building wealth for a prosperous future. #StopCreditBuilding

Old way of issuing credit cards as a fintech:

  • Partner with an issuing bank with a baseline APR of 10% - 19% + Prime Rate
  • Open a $2M debt facility with an APR up to 11% + Prime Rate
  • Take all the risk & issue a 33% APR credit card

What makes us different:

  • Partner with multiple Credit Unions for credit card funding
  • Costs as low as 5.24% APR + Prime Rate
  • More credit union partners = Higher approval rates
  • Direct partnerships with over 8,000 merchants for stock rewards cashback funding
  • Strong use of Machine Learning (ML) & Artificial Intelligence (AI) for 24/7 customer support
  • University partners for distribution to our target niche, College students.

By leveraging a vast community of Credit Unions, Carat is able to increase approval rates, lower APR, and provide access to unsecured credit backed by our Credit Union partners. In turn, this increases Credit Union loan book value and mitigates our risk of defaults which allows us to keep costs low while staying competitive to big retail banks.

Overview