What it sells
AI agent that helps consumers lower the cost of debt automatically
Business model breakdown
Buyer: who owns the budget?
UnverifiedIndividual consumers (self-serve app download).
Trigger: what makes them buy now?
UnverifiedHigh-interest card balances and wanting to raise credit score without calling lenders.
Workflow: what inputs become what output?
User connects accounts via Plaid; Gauss finds better card/loan options, negotiates terms, moves balances to a lower-APR revolving credit line, and auto-pays new balances.
Economics: what it saves and how it charges
Lends via a revolving line (initial APR 14%, falling to 12% in 12 months per its comparison table) with $0 origination fee; revenue is interest spread on the credit line.
Distribution: how it reaches customers
Consumer mobile app (App Store, Google Play) and web signup.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2022 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.