Bon Credit Launches Free AI Financial Assistant for Credit and Personal Finance
San Francisco, CA, July 29th, 2026, FinanceWire
BON Credit today announced the continued expansion of its AI-powered financial platform, empowering consumers to take control of their credit, debt, and personal finances through intelligent automation and personalized guidance. Powered by its proprietary CredGPT technology, the platform helps users identify suitable credit products, optimize debt repayment strategies, improve credit scores, and build stronger financial habits through real-time AI-driven recommendations. Designed to make financial literacy more accessible, BON Credit is focused on helping individuals—particularly younger consumers—achieve long-term financial wellness with a smarter, more personalized credit management experience.
Backed by a $3.5M seed round, Bon Credit's free AI scans users' accounts with read-only access to surface money they're losing, money they're owed, and their next best financial move
Bon Credit today introduced its free AI financial assistant, a mobile app designed to help everyday people find money they're missing, keep more of what they earn, and build a stronger financial future at no cost. By connecting to a user's accounts with read-only access, the app continuously scans for money being lost, money that's owed, and better financial options, then translates what it finds into clear, actionable next steps.
The premise is simple and pointed: most people are quietly losing money without realizing it, and finding it shouldn't require an expensive advisor or hours of spreadsheet work. The app puts that capability in everyone's pocket, free to start, with the goal of turning overlooked dollars into real financial progress.
The problem: money slipping away unnoticed
For most households, money leaks in ways that are easy to miss and hard to track. Forgotten subscriptions renew month after month. Duplicate and hidden fees accumulate quietly across accounts. High credit-card interest drains balances in the background. At the same time, money people are genuinely owed unclaimed property, refunds, class-action settlements, tax credits, employer benefits, and government programs often goes unclaimed simply because no one knows to look for it.
Traditional budgeting tools can show people where their money went, but they stop there. They track the past rather than actively working to recover money or reduce what's being lost. The assistant is built to close that gap not just to report on a user's finances, but to actively find opportunities and tell them exactly what to do next.
What Bon Credit finds
The app organizes its work around three things people want from their money: to save it, to get it, and to grow their standing over time.
Save money. It scans for the everyday drains that add up: forgotten and unwanted subscriptions, duplicate and hidden fees, and high credit-card interest that quietly erodes balances each month. Surfacing these gives users a clear path to stop the leaks.
Get money. Beyond savings, it looks for money users may be owed but have never claimed — unclaimed property, refunds, class-action claims, tax credits, employer benefits, and government programs they may be eligible for. This is money that often sits unclaimed indefinitely, and the app's role is to help people discover and pursue it.
Build credit. It helps users understand the mechanics of their credit their score, their utilization, and their approval odds and see the next best move to strengthen it over time. Rather than leaving credit as a mystery, it makes each step clear.
Across all three, the throughline is action. The app doesn't just present information; it shows users what to do next, so insight consistently turns into outcomes.
Built on trust and read-only access
Because a financial assistant only works if people trust it with their accounts, the product was designed around security and user control from the start. Connections are read-only and protected with bank-level security. It never moves or spends a user's money — it surfaces what it finds and leaves every decision in the user's hands. Users decide what to act on and what to ignore.
That design reflects a deliberate stance: this is an assistant, not an intermediary. It has visibility to help, but no ability to transact, keeping users firmly in control of their own money at every step. For many people, that separation is what makes connecting their accounts feel safe in the first place — the app can see enough to be genuinely useful, but never enough to put their money at risk.
Founded by credit and fintech veterans
The company was built by Samder Khangarot, CEO and co-founder, and Darwin Tu, co-founder and a 30-year veteran of the credit and FICO industry. Their combined experience spans the credit systems that shape so much of people's financial lives — the same systems the company aims to make more transparent and navigable for ordinary users.
It is backed by a $3.5 million seed round led by VenturesLab, funding that supports a mission of making money-finding technology free and accessible to as many people as possible.
Free by design
A defining choice behind the product is that it is free to use, with no subscription required. Seeing what it finds costs nothing to start. That decision is central to the company's purpose: the people who most need help finding and keeping money are often the least able to pay for financial advice, and a tool that charges for access would exclude exactly the users it's meant to serve.
By making the product free, the company aims to democratize a kind of financial insight that has traditionally been reserved for those who can afford advisors — turning it into something available to anyone with a smartphone.
Available now on iOS and Android
The app is available today on both the Apple App Store and Google Play. New users can download it, connect their accounts with read-only access, and begin seeing what it finds at no cost. From there, it continuously works in the background, surfacing new opportunities to save money, claim money, and strengthen credit as they arise.
For people who have long suspected they're leaving money on the table but never had an easy way to find it, the app offers a straightforward starting point: connect, see what turns up, and decide what to act on.
A new category of financial help
Bon Credit positions itself not as another budgeting app that tracks spending, but as a money-finding AI that actively works on the user's behalf. The distinction matters. Where conventional tools describe the past, the app is built to change the future — recovering lost money, uncovering owed money, and guiding better financial decisions, continuously and for free.
It's an approach aimed squarely at a widespread and under-addressed problem: the ordinary, everyday money that slips away from people who never had the time, tools, or expertise to catch it. The goal is to make catching it effortless.
About Bon Credit
Bon Credit is a free AI financial assistant that helps people find money they're missing, keep more of what they earn, and build better financial futures. Connecting to users' accounts with read-only access and bank-level security, it continuously scans for money being lost, money that's owed, and better financial options, then shows users what to do next. Founded by Samder Khangarot (CEO and co-founder) and Darwin Tu (co-founder), and backed by a $3.5M seed round led by VenturesLab, the app is available on the App Store and Google Play. It is a product and registered DBA of Bhim Digital, Inc. User can learn more at https://boncredit.ai.
Bhim Digital, Inc. is a financial technology company — not a bank, lender, investment adviser, tax adviser, law firm, or credit-repair organization. Content is informational only and not financial, legal, tax, or credit advice. Financial results vary and are not guaranteed.
Contact
Samdersupport@boncredit.ai
Disclaimer. This is a paid press release.