San Francisco-based fintech startup BON Credit has launched an AI platform designed to help GenZ consumers manage credit, debt, and personal finances effortlessly. The platform, built on CredGPT, delivers personalized insights through interactive AI conversations and intelligent automation.
Through this launch, BON Credit aims to simplify financial management and enhance financial literacy among younger consumers. The platform allows users to track credit, manage debt, and build better financial habits with ease.
According to Samder Singh Khangarot, Co-founder and CEO of BON Credit, “Financial literacy among GenZ and Millennials is still low. Without better education and tools, many risk long-term debt. BON Credit combines AI personalization with a user-friendly design to redefine how young professionals manage their credit.”
The AI tool is gaining momentum and could reshape the $18 trillion U.S. consumer credit market. The company officially launched its app in October 2025, introducing automation in selecting credit cards, managing debt payments, optimizing budgets, and boosting credit scores over time.
Smart Credit Selection and Real-Time Insights
One of BON Credit’s standout features is its AI credit card finder. Users can type queries such as “best card for cash back,” and the system instantly searches over 14,000 credit options. It compares fees, rewards, eligibility, and expert reviews to offer unbiased recommendations. Users can also apply for cards directly through BON Credit or explore additional options.
Additionally, the company will soon introduce a feature that prioritizes credit payments. This tool will suggest which cards to pay first and how much to pay, optimizing both credit scores and cash flow.
The platform also plans to reward responsible financial behavior. Users who make recommended payments can earn gift cards redeemable through the BON Credit wallet, encouraging good financial habits.
Co-founder Darwin Tu said, “We designed BON Credit to make financial literacy engaging and accessible. It helps young consumers take control without feeling overwhelmed.”
Target the AI Native Generation
Khangarot and Tu built BON Credit for the AI GenZ audience, who are open to digital tools for financial decision-making. The founders highlight the importance of shaping smart financial habits early. They note that declining U.S. credit scores and rising debt levels show the urgent need for accessible financial education.
Recent data support their view. The national average credit score has fallen for two consecutive years, while total U.S. credit card balances hit $1.209 trillion in Q2 2025, marking a 30% rise from pre-pandemic levels, according to the Federal Reserve Bank of New York.
Experienced Founders and Secure Operations
The founders bring extensive experience to the fintech space. Khangarot, a global entrepreneur and former engineer, previously co-founded Absolute Foods and Growspace Crypto, one of India’s fastest-growing crypto startups. He also supported India’s Ministry of Finance in launching a $300 million fund for entrepreneurs.
Tu, a Silicon Valley entrepreneur and former FICO executive, played a key role in developing the industry-standard credit score model used by U.S. credit bureaus and led the creation of TransUnion’s first credit bureau score in Asia.
BON Credit is free to use and plans to introduce premium features in early 2026. The company partners with Plaid to ensure secure financial data integration and follows strict industry-standard security protocols. All user data is encrypted and remains private.
By merging advanced AI, personalized insights, and a user-first design, BON Credit aims to help GenZ achieve financial freedom while addressing the growing debt crisis in America.
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News Source: Gobenewswire.com
