卖什么
AI agent that helps consumers lower the cost of debt automatically
商业模式拆解
买家：谁掌握预算？
未核实Individual consumers (self-serve app download).
触发点：什么让他们现在购买？
未核实High-interest card balances and wanting to raise credit score without calling lenders.
工作流：什么输入变成什么输出？
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.
经济账：省了什么，怎么收费？
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.
渠道：怎么接触到客户？
Consumer mobile app (App Store, Google Play) and web signup.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2022 冬季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.