TomoCredit
TomoCredit is a San Francisco-based fintech that uses an AI financial agent (TomoIQ) and proprietary cash-flow credit scoring (TomoScore) to provide credit cards, credit-building subscriptions, and B2B infrastructure to credit-invisible and underserved U.S. consumers, immigrants, and small businesses.
- Company typePrivate
- Founded2018
- HeadquartersSan Francisco, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What TomoCredit does
TomoCredit, Inc. is a San Francisco-based, venture-backed private fintech founded in 2018 by Korean immigrant Kristy Kim, headquartered in the SoMa / Financial District. The company operates an AI-native financial intelligence platform that combines a no-credit-history-required charge card (the Tomo Black Card) with TomoIQ, an autonomous AI financial agent, and TomoScore, a proprietary cash-flow-based credit score (range 300-850) that underwrites borrowers without relying on traditional bureau data. Underlying technology includes open-banking aggregator connections to 10,000+ financial institutions, with 15M+ linked bank accounts powering real-time cash-flow analysis; AI capabilities span conversational chat, structured financial-data processing, and multimodal credit-and-cash-flow assessment. The TomoBoost subscription suite ($14.99-$129.99/mo across Starter, Premium, and VIP tiers) layers credit monitoring, AI-driven dispute automation, bill-pay intelligence, and partner credit access up to $100K on top of the card; a Small Business Card variant extends the model to credit-invisible business owners.\n\nTomoCredit monetizes through a hybrid model: subscription recurring revenue from TomoBoost tiers, interchange and partner revenue from a charge-card program issued via partner banks (the company is not itself a bank or lender), affiliate and referral revenue share from matched credit card, loan, auto, mortgage, and insurance offers, and nascent B2B licensing of TomoScore to financial institutions. Total funding disclosed is approximately $132M, including a $10M Series A in 2021 (Kapor Capital, KB Investment) and a $122M round in August 2022 ($22M equity from Morgan Stanley and Mastercard, plus $100M debt from Silicon Valley Bank). The customer base is described as 4M+ people (4.5M per partner page), positioned as the "Cash-Rich, Credit-Poor" segment: immigrants, foreign nationals, students, young professionals, and the broader 120 million underserved Americans with thin or no credit files. The company's go-to-market is direct-to-consumer via tomocredit.com, the TomoCredit app on iOS and Android, and a dedicated tomoiq.com storefront, complemented by an Ambassador and B2B partner program; growth-stage marketing investment is visible through active hiring of marketing, product, and engineering personnel and consistent presence in top-tier earned media.\n\nThe company has strategically pivoted from a single-product credit-card issuer toward an integrated AI personal finance platform, with TomoIQ beta launched in 2025 reaching 400K members in under a year (53X growth in six months, 95% chat engagement, 79% repeat use), TomoScore commercialized as B2B infrastructure, and a stated mission expansion to serve 120 million underserved Americans. A March 2026 marketing repositioning shifted emphasis from credit-boosting to financial coaching, reportedly in response to Forbes scrutiny of prior claims. The company holds trademarked product brands (Tomo, TomoBoost, TomoIQ, TomoScore), is GDPR/CCPA/COPPA/TCPA/CAN-SPAM compliant, and has not disclosed parent, M&A, or going-concern events; cap-table composition and board structure remain undisclosed data gaps.
TomoCredit firmographics
Firmographics- Name
- TomoCredit
- Legal name
- TomoCredit, Inc.
- Website
- https://tomocredit.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- TomoCredit is a San Francisco-based fintech that uses an AI financial agent (TomoIQ) and proprietary cash-flow credit scoring (TomoScore) to provide credit cards, credit-building subscriptions, and B2B infrastructure to credit-invisible and underserved U.S. consumers, immigrants, and small businesses.
- Ownership category
- akta.pro rank
TomoCredit industry classification
Industry- Product category
- Consumer Credit Services
- NAICS
- Credit Bureaus (561450), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
- akta.pro secondary industries
- Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
Keywords
Where TomoCredit is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
TomoCredit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Others
Revenue model
- TomoBoost Subscription Tiers: Recurring monthly/annual subscription for TomoBoost product ($14.99/mo Starter, $69.99/mo Premium, $129.99/mo VIP; annual saves 20%); includes AI financial assistant, credit monitoring, dispute filing, and partner credit access.
- TomoCredit Card Program (Charge Card): Charge card with $0 fees and 0% APR; cardholder pays full balance each cycle. Program generates interchange/partner revenue via partner banks and card-issuance arrangements; advertiser disclosure: 'TomoCredit is not a bank or a lender.'
- Partner Credit & Affiliate Referrals: Revenue share/affiliate economics from matching users to partner offers (credit cards $150–$100,000, personal loans, auto loans, insurance, mortgage) via TomoBoost tiers; partner-offer access grows with subscription tier.
- TomoScore B2B Licensing: B2B data/decisioning infrastructure licensing of TomoScore to select financial institutions, fintechs, and platforms for segmentation, underwriting, and personalized offers based on real-time cash-flow intelligence.
- Partnership Program (Referral/Affiliate): B2B partner/ambassador program enables fintech platforms, employers, creators, and community organizations to refer users; supports revenue share across the partner ecosystem.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter — $14.99/mo: core credit monitoring + TomoIQ access |
| Subscription | Monthly | Premium — $69.99/mo: cash-flow monitoring + budgeting + TomoScore |
| Subscription | Monthly | VIP — $129.99/mo: full AI money management + dispute automation + earn features |
| Subscription | Annual | Annual billing — saves 20% across all tiers |
| Other | Monthly | TomoCredit Charge Card — $0 fees / 0% APR |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels9 records
TomoCredit product offering
Product offeringCore offering
TomoCredit operates an AI-native financial wellness platform that combines a no-credit-history credit card, a tiered subscription credit-building service (TomoBoost), an autonomous AI financial agent (TomoIQ), and a proprietary cash-flow-based credit score (TomoScore). It targets credit-invisible consumers—immigrants, students, young professionals, and small business owners without established credit—by using real-time bank cash-flow data (linked via an open-banking aggregator to 10,000+ institutions) for underwriting, spending-power assignment, automated bill pay, credit dispute automation, and personalized financial guidance. TomoScore is additionally licensed to B2B financial institutions and fintechs as cash-flow-based decisioning infrastructure.
Product overview
TomoCredit operates as a single integrated AI-native financial intelligence platform built around three core product modules: (1) the Tomo credit card (the original "Black Card" / TomoBoost product) which is a 7-day autopay charge card that requires no credit history for application, offered in both consumer and small business variants; (2) TomoIQ, the AI financial agent that monitors, analyzes, and optimizes personal financial behavior in real time; and (3) TomoScore, the proprietary cash-flow-based credit score that powers both internal underwriting and B2B partner infrastructure. The TomoBoost subscription tiers (Starter, Premium, VIP) layer credit-building tools, AI automation, and TomoIQ access on top of the card. TomoCredit also offers 1:1 credit counseling, credit dispute automation, and B2B TomoScore infrastructure as add-on services, all positioned as a unified "AI financial intelligence" company rather than a single-product issuer.
Differentiator
Problem solved
Functional benefit
Brands
- TomoBoost: Subscription-based credit-building product suite from TomoCredit, featuring AI-driven dispute, budgeting, cash flow monitoring, and credit score tools.
- TomoIQ
- TomoScore
Products and services
- Tomo Black Card (Tomo Credit Card)
Companies that use TomoCredit
Customer profileSegments6 records
Ideal customer profiles5 records
TomoCredit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature7 records
TomoCredit partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Twilio, Inc.core infrastructure vendorTwilio provides SMS communications infrastructure for TomoCredit — used to send verification codes to help verify identity and deter fraud. TomoCredit's legal page explicitly references Twilio's Privacy Policy and Terms of Service for users.
Scale indicators14 records
Recent moves8 records
Expansion highlights7 records
TomoCredit competitors and assessment
Company assessmentDirect peers
- Self Financial: Self Financial is a credit-building fintech offering a secured credit card and credit-builder loans targeted at people with no or poor credit — directly comparable to TomoCredit's core card + TomoBoost credit-building subscription model.
- Credit Karma: Credit Karma (Intuit) offers free credit monitoring, credit-score education, and affiliate-driven product recommendations to credit-curious consumers — directly overlapping TomoBoost's credit-monitoring + partner-offer revenue model.
- Chime: Chime is a neobank serving underbanked and credit-invisible consumers with fee-free banking and a secured credit card (Credit Builder) — same target customer and similar mission as TomoCredit, though Chime is much larger and broader in scope.
- Current: Current is a consumer fintech targeting underbanked Americans with mobile banking, early paycheck access, and credit-building features — overlapping TomoCredit's mission and credit-invisible customer base.
- Albert: Albert is an AI-powered personal finance assistant offering budgeting, bill tracking, cash advances, and financial coaching — the most direct competitor to TomoIQ's AI financial agent positioning.
- Petal: Petal is a credit card company that uses cash-flow underwriting to approve applicants without traditional credit scores — historically the closest analog to Tomo's TomoScore-based card issuance model.
Broad incumbents
- SoFi: SoFi is a broad consumer-finance platform offering credit cards, personal loans, and AI-driven financial planning — overlapping Tomo's credit-card and financial-coaching products but with a chartered bank and materially larger scale.
- Experian Boost: Experian Boost is an established credit-bureau product that incorporates utility/telecom payment data into FICO scores — competing with TomoBoost's alternative-data credit-improvement value proposition for the same credit-invisible consumer.
Others
- Plaid: Plaid is the dominant open-banking data-aggregation infrastructure that TomoCredit relies on (via a third-party aggregator) to connect to 10,000+ financial institutions — an upstream enabler of TomoScore and TomoIQ's data inputs.
Emerging players
- Extra (debit card): Extra is a debit-card platform that rewards users for paying on time and helps them build credit — an emerging niche player in the credit-building-for-underbanked space where TomoCredit competes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
TomoCredit social profiles
Digital presenceTomoCredit compliance and trust
Trust signalCompliance5 records
TomoCredit financial estimates
Financial estimateRevenue estimate
Valuation estimate
TomoCredit leadership team
Management profileNumber of profiles
Profiles5 records
TomoCredit funding detail
Funding detailFunding overview
Funding rounds6 records
Investors20 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TomoCredit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TomoCredit
What does TomoCredit do?
TomoCredit operates an AI-native financial wellness platform that combines a no-credit-history credit card, a tiered subscription credit-building service (TomoBoost), an autonomous AI financial agent (TomoIQ), and a proprietary cash-flow-based credit score (TomoScore). It targets credit-invisible consumers—immigrants, students, young professionals, and small business owners without established credit—by using real-time bank cash-flow data (linked via an open-banking aggregator to 10,000+ institutions) for underwriting, spending-power assignment, automated bill pay, credit dispute automation, and personalized financial guidance. TomoScore is additionally licensed to B2B financial institutions and fintechs as cash-flow-based decisioning infrastructure.
Is TomoCredit a public or private company?
TomoCredit is a private company. It is classified as venture growth investor backed and is currently operating.
When was TomoCredit founded?
TomoCredit was founded in 2018. It employs 51 to 100 people.
Where is TomoCredit based?
TomoCredit is headquartered in San Francisco, United States, in the North America region.
How does TomoCredit make money?
Five revenue lines are on record. TomoBoost Subscription Tiers are the primary driver. The others are tomoCredit Card Program (Charge Card), partner Credit & Affiliate Referrals, tomoScore B2B Licensing and partnership Program (Referral/Affiliate).
Who are TomoCredit's main competitors?
Direct peers on record are Self Financial, Credit Karma, Chime, Current, Albert and Petal. Broad incumbents are SoFi and Experian Boost. Plaid is listed as an others. Extra (debit card) is listed as an emerging player.
Does TomoCredit have an API?
No public API is recorded for TomoCredit.
What industry is TomoCredit in?
TomoCredit's product category is Consumer Credit Services. Its primary akta.pro industry code is FSAGADAE, Credit Score Monitoring & Credit Building, with a secondary code of FSAGADAF, Net Worth & Personal Balance Sheet Tracking. Its NAICS code is 561450 and its SIC code is 7320.